FRANKLIN FINANCIAL SERVICES CORP /PA/(FRAF)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
FRAF Stock Analysis & AI Quality Score
AI stock analysis and institutional research for FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF), a Financials sector company. FRAF is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), FRANKLIN FINANCIAL SERVICES CORP /PA/ reports quarterly revenue of $23.9M, net income of $6.6M, free cash flow of $24.1M. Top institutional holders of FRAF by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, GEODE CAPITAL MANAGEMENT,, based on the most recent SEC filings. FRAF trades on the Nasdaq exchange and files with the SEC under CIK 723646. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FRAF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FRANKLIN FINANCIAL SERVICES CORP /PA/ directly from SEC EDGAR.
Revenue
Q1 2026
$23.9M
Net Income
Q1 2026
$6.6M
Free Cash Flow
Q1 2026
$24.1M
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
Net Income
+91.2% YoYEPS (Diluted)
+88.8% YoYTotal Assets
+1.9% YoYOp. Cash Flow
+16.9% YoY| Metric | FY 2025 | FY 2024 | FY 2022 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | $195.0K | — | — |
| Net Income | $21.2M +91.2% | $11.1M -25.7% | $14.9M -7.3% | $16.1M +163.1% | $6.1M +181.5% | $2.2M |
| EPS (Diluted) | $4.74 +88.8% | $2.51 -25.3% | $3.36 -8.4% | $3.67 +164.0% | $1.39 +178.0% | $0.50 |
| Total Assets | $2.24B +1.9% | $2.20B +29.3% | $1.70B +33.9% | $1.27B +4.9% | $1.21B +2.5% | $1.18B |
| Operating Cash Flow | $25.4M +16.9% | $21.8M -13.8% | $25.2M +33.1% | $19.0M +103.9% | $9.3M -42.8% | $16.3M |
AI Insight: FRAF Financial Trends
FRAF equity base expanded 31% from $137M to $179M over eight quarters while net income recovered sharply from a near-zero Q4 2024 to $7M in Q1 2026.
• Net income rebounded from $0M in Q4 2024 to $7M in Q1 2026, the highest level in the observed period.
• Equity grew steadily from $137M in Q2 2024 to $179M in Q1 2026, a $42M or ~31% cumulative increase.
• Operating cash flow surged to $24M in Q1 2026, well above the prior seven-quarter range of $2M–$9M.
⚠ Q4 2024 net income collapsed to $0M — the cause of that one-quarter earnings dip warrants monitoring for recurrence.
⚠ Operating cash flow is highly volatile ($2M–$24M range); sustainability of the Q1 2026 spike is unconfirmed.
⚠ Revenue and total debt data are absent throughout, limiting full assessment of leverage and top-line trends.
AI Insight: FRAF Ratio Trends
FRAF's return profile has rebounded sharply, with Q1 2026 ROA hitting 1.2% and ROIC reaching 18.6% — levels not seen since at least Q2 2024.
• ROA improved from a Q4 2024 trough of 0.1% to 1.2% in Q1 2026, the highest reading in the dataset.
• ROIC recovered from 1.5% in Q4 2024 to 18.6% in Q1 2026, matching the Q2 2025 peak.
• ROE climbed from 1.4% in Q4 2024 to 14.8% in Q1 2026, suggesting Q4 2024 weakness was a one-off.
⚠ Q4 2024 saw ROE collapse to 1.4% and ROIC to 1.5% — the cause of that one-off hit warrants monitoring for recurrence.
⚠ OpMargin, NPM, and D/E are entirely absent across all periods, limiting leverage and profitability trend visibility.
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Available Research
13F Pro tracks comprehensive data for FRANKLIN FINANCIAL SERVICES CORP /PA/ including:
Top Institutional Holders of FRAF
BlackRock, Inc.
$13.6M265,472 shVANGUARD CAPITAL MANAGEMENT LLC
$9.4M183,415 shGEODE CAPITAL MANAGEMENT, LLC
$5.1M99,850 shARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$3.9M75,439 shSTATE STREET CORP
$3.7M71,939 shElizabeth Park Capital Advisors, Ltd.
$3.3M63,910 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$3.0M59,075 shGOLDMAN SACHS GROUP INC
$2.6M50,841 shDIMENSIONAL FUND ADVISORS LP
$2.5M49,391 shAMERICAN CENTURY COMPANIES INC
$2.5M48,823 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $13.6M | 265,472 |
| VANGUARD CAPITAL MANAGEMENT LLC | $9.4M | 183,415 |
| GEODE CAPITAL MANAGEMENT, LLC | $5.1M | 99,850 |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3.9M | 75,439 |
| STATE STREET CORP | $3.7M | 71,939 |
| Elizabeth Park Capital Advisors, Ltd. | $3.3M | 63,910 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.0M | 59,075 |
| GOLDMAN SACHS GROUP INC | $2.6M | 50,841 |
| DIMENSIONAL FUND ADVISORS LP | $2.5M | 49,391 |
| AMERICAN CENTURY COMPANIES INC | $2.5M | 48,823 |
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Popular Research
Is FRAF a good stock to buy?
13F Pro's AI-powered analysis of FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FRAF are available on the FRAF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own FRAF?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FRAF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FRANKLIN FINANCIAL SERVICES CORP /PA/'s investment landscape.