FRANKLIN FINANCIAL SERVICES CORP /PA/(FRAF)Stock Analysis
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Rank #945 of 2,960 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
FRAF Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF), a Financials sector company. 13F Pro's AI-powered ranking engine scores FRAF at 59.1/100 on a 32-signal composite quality model, placing it at rank #945 of 2,960 stocks — the top half of the AI-ranked universe. FRAF scores in the top quartile across free cash flow (93.0), profitability (89.2). Areas of concern include revenue scale (14.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), FRANKLIN FINANCIAL SERVICES CORP /PA/ reports quarterly revenue of $24.5M, net income of $6.6M. 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. FRANKLIN FINANCIAL SERVICES CORP /PA/'s 13F Pro composite quality score has ranged between 33 and 59 since 2026, currently 59.1 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.
Revenue
Q2 2026
$24.5M
Net Income
Q2 2026
$6.6M
ROIC
Q2 2026
17.9%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+24.8% YoYNet Income
+91.2% YoYEPS (Diluted)
+88.8% YoYTotal Assets
+1.9% YoYTotal Debt
Op. Cash Flow
+16.9% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $88.8M +24.8% | $71.2M +3.9% | $68.5M +2.5% | $66.8M +4.2% | $64.2M +12.5% | $57.0M |
| Net Income | $21.2M +91.2% | $11.1M -18.4% | $13.6M -9.0% | $14.9M -23.8% | $19.6M +53.3% | $12.8M |
| EPS (Diluted) | $4.74 +88.8% | $2.51 -19.0% | $3.10 -7.7% | $3.36 -24.0% | $4.42 +50.9% | $2.93 |
| Total Assets | $2.24B +1.9% | $2.20B +19.7% | $1.84B +8.0% | $1.70B -4.2% | $1.77B +15.6% | $1.54B |
| Total Debt | — | — | — | — | $0.00 | $0.00 |
| Operating Cash Flow | $25.4M +16.9% | $21.8M -18.1% | $26.6M +5.2% | $25.2M -4.2% | $26.3M +309.5% | $6.4M |
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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.
$18.3M292,503 shVANGUARD CAPITAL MANAGEMENT LLC
$11.7M186,382 shGEODE CAPITAL MANAGEMENT, LLC
$7.1M112,891 shAMERICAN CENTURY COMPANIES INC
$5.4M86,341 shARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$4.7M75,439 shSTATE STREET CORP
$4.5M71,690 shElizabeth Park Capital Advisors, Ltd.
$4.0M63,910 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$3.9M62,785 shDIMENSIONAL FUND ADVISORS LP
$3.1M49,398 shLOGAN CAPITAL MANAGEMENT INC
$2.5M40,550 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $18.3M | 292,503 |
| VANGUARD CAPITAL MANAGEMENT LLC | $11.7M | 186,382 |
| GEODE CAPITAL MANAGEMENT, LLC | $7.1M | 112,891 |
| AMERICAN CENTURY COMPANIES INC | $5.4M | 86,341 |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4.7M | 75,439 |
| STATE STREET CORP | $4.5M | 71,690 |
| Elizabeth Park Capital Advisors, Ltd. | $4.0M | 63,910 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.9M | 62,785 |
| DIMENSIONAL FUND ADVISORS LP | $3.1M | 49,398 |
| LOGAN CAPITAL MANAGEMENT INC | $2.5M | 40,550 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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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. FRAF is classified as a small company.
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.