FRAF
Franklin Financial Services Corporation
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Buy
+42/100
Last price
63.41
▼ 0.14 (0.22%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
64.15
Prev close
63.55
Day high
63.41
Day low
62.10
Volume
26.69K
Market cap
$285.32M
P/E (TTM)
11.57
52W range
43.47 – 65.41
Day trading desk
Gap from prior close
+0.94%
Prior close 63.55
VWAP
62.84
+0.90% from price
Relative volume
0.72×
Normal
Session range
3.31%
62.10 – 64.15
Position in range
64%
Mid range
ATR (14D)
1.62
2.56% of price
Prior day high
63.76
PDH
Prior day low
62.81
PDL
Bid / ask spread
—
Quote not published
Session volume
26.57K
Avg 36.87K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+2.57%
+0.6%
1M
+0.46%
-1.0%
3M
+3.48%
+0.1%
6M
+15.84%
+0.9%
YTD
+26.31%
+12.3%
1Y
+39.58%
+23.8%
3Y
+122.57%
+40.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FRAF open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+10.67K
Net buying
Buy transactions
27
12.07K shares
Sell transactions
1
1.40K shares
Net transactions
+28
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
292.56K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 28, 26 | CRAIG KEVIN W. Director |
STOCK | 172 | $10.78K | Direct |
| Sep 28, 26 | SNOOK GREGORY I. Director |
STOCK | 103 | $6.45K | Direct |
| Sep 28, 26 | ELLIOTT G WARREN Director |
STOCK | 39 | $2.44K | Direct |
| Sep 28, 26 | KERLIN STANLEY J Director |
STOCK | 125 | $7.83K | Direct |
| Sep 28, 26 | FISHER DANIEL J Director |
STOCK | 78 | $4.89K | Direct |
| Sep 28, 26 | DUFFEY GREGORY A Director |
STOCK | 51 | $3.19K | Direct |
| Aug 26, 26 | DUFFEY GREGORY A Director |
BUY | 16 | $993 | Direct |
| Jul 31, 26 | WEAVER MATTHEW D Officer |
CONVERSION | 2.25K | $67.50K | Direct |
| Jul 29, 26 | DUFFEY GREGORY A Director |
BUY | 16 | $1.02K | Direct |
| Jul 29, 26 | CARMACK KAREN K Officer |
CONVERSION | 4.50K | $144.22K | Direct |
| Jul 29, 26 | HECKMAN LORIE M Officer |
CONVERSION | 2.50K | $85.25K | Direct |
| Jun 29, 26 | CRAIG KEVIN W. Director |
STOCK | 174 | $11.00K | Direct |
| Jun 29, 26 | SNOOK GREGORY I. Director |
STOCK | 102 | $6.45K | Direct |
| Jun 29, 26 | ELLIOTT G WARREN Director |
STOCK | 39 | $2.46K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BEST CRAIG W |
Chief Executive Officer | 17.56K | Stock Award(Grant) |
CRAIG KEVIN W. |
Director | 27.94K | Stock Award(Grant) |
DUFFEY GREGORY A |
Director | 24.08K | Stock Award(Grant) |
ELLIOTT G WARREN |
Director | 18.62K | Stock Award(Grant) |
FISHER DANIEL J |
Director | 30.40K | Stock Award(Grant) |
HENRY TIMOTHY G |
Chief Executive Officer | 23.37K | Conversion of Exercise of derivative security |
HOLLAR MARK R |
Chief Financial Officer | 17.30K | Stock Award(Grant) |
JENNINGS ALLAN E JR |
Director | 31.18K | Stock Award(Grant) |
KERLIN STANLEY J |
Director | 27.45K | Stock Award(Grant) |
MOWERY DONALD H |
Director | 45.07K | Stock Award(Grant) |
Fundamentals
Market cap$285.32M
Enterprise value$474.17M
Revenue (TTM)$91.35M
Gross profit$91.35M
EBITDA—
Net income$24.64M
EPS (TTM)$5.48
Free cash flow—
Total cash$26.88M
Total debt$215.11M
Book value / share$40.91
Shares outstanding4.50M
Float4.18M
Short % of float5.04%
Dividend yield2.15%
Beta (5Y)-0.02
Valuation & profitability ratios
Trailing P/E11.57
Forward P/E9.62
PEG ratio1.03
Price / sales—
Price / book1.55
EV / revenue5.19
EV / EBITDA—
Gross margin0.00%
Operating margin37.69%
Profit margin26.98%
Return on equity14.45%
Return on assets1.07%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $87.44M | $69.89M | $67.25M | $65.41M | +25.1% |
| Operating revenue | $87.44M | $69.89M | $67.25M | $65.41M | +25.1% |
| Selling, general & admin | $39.03M | $36.35M | $31.73M | $30.75M | +7.4% |
| Pre-tax income | $26.27M | $13.31M | $15.75M | $17.50M | +97.3% |
| Tax provision | $5.04M | $2.22M | $2.15M | $2.56M | +127.5% |
| Net income | $21.23M | $11.10M | $13.60M | $14.94M | +91.2% |
| Net income to common | $21.23M | $11.10M | $13.60M | $14.94M | +91.2% |
| Basic EPS | 4.74 | 2.51 | 3.11 | 3.38 | +88.9% |
| Diluted EPS | 4.74 | 2.51 | 3.10 | 3.36 | +88.9% |
| Basic shares | 4.48M | 4.43M | 4.37M | 4.42M | +1.2% |
| Diluted shares | 4.48M | 4.43M | 4.38M | 4.45M | +1.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $128.72M | $205.11M | $29.37M | $78.87M | -37.2% |
| Property, plant & equipment | $30.79M | $33.15M | $33.22M | $36.04M | -7.1% |
| Goodwill & intangibles | $9.02M | $9.02M | $9.02M | $9.02M | 0.0% |
| Total assets | $2.24B | $2.20B | $1.84B | $1.70B | +1.9% |
| Current debt | — | $0 | $130.00M | — | — |
| Long-term debt | $210.84M | $219.70M | $19.66M | $19.62M | -4.0% |
| Total debt | $214.69M | $223.96M | $154.48M | $25.77M | -4.1% |
| Total liabilities | $2.06B | $2.05B | $1.70B | $1.59B | +0.5% |
| Retained earnings | $154.84M | $139.46M | $133.99M | $125.89M | +11.0% |
| Shareholder equity | $175.24M | $144.72M | $132.14M | $114.20M | +21.1% |
| Net tangible assets | $166.23M | $135.70M | $123.12M | $105.18M | +22.5% |
| Shares issued | 4.71M | 4.71M | 4.71M | 4.71M | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $21.23M | $11.10M | $13.60M | $14.94M | +91.2% |
| Depreciation & amortisation | $2.15M | $2.09M | $2.02M | $1.44M | +2.7% |
| Stock-based compensation | $819.00K | $634.00K | $483.00K | $462.00K | +29.2% |
| Change in working capital | $352.00K | $1.69M | $2.93M | -$313.00K | -79.2% |
| Operating cash flow | $25.44M | $21.75M | $26.57M | $25.24M | +16.9% |
| Capital expenditure | -$866.00K | -$2.57M | -$499.00K | -$12.22M | +66.3% |
| Investing cash flow | -$107.02M | -$184.37M | -$178.27M | -$95.06M | +42.0% |
| Share buybacks | -$1.10M | -$827.00K | -$2.39M | -$3.33M | -33.5% |
| Dividends paid | -$5.84M | -$5.63M | -$5.59M | -$5.66M | -3.8% |
| Financing cash flow | $5.69M | $343.08M | $109.94M | -$40.44M | -98.3% |
| Free cash flow | $24.58M | $19.19M | $26.07M | $13.03M | +28.1% |
| End cash position | $127.72M | $203.61M | $23.14M | $64.90M | -37.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $24.11M | $23.50M | $22.95M | $22.66M | $22.00M | +2.6% |
| Operating revenue | $24.11M | $23.50M | $22.95M | $22.66M | $22.00M | +2.6% |
| Selling, general & admin | $9.34M | $9.93M | $9.86M | $10.07M | $9.63M | -5.9% |
| Pre-tax income | $8.25M | $8.31M | $7.48M | $6.66M | $7.32M | -0.7% |
| Tax provision | $1.64M | $1.67M | $1.44M | $1.30M | $1.41M | -2.0% |
| Net income | $6.61M | $6.64M | $6.04M | $5.35M | $5.91M | -0.4% |
| Net income to common | $6.61M | $6.64M | $6.04M | $5.35M | $5.91M | -0.4% |
| Basic EPS | 1.47 | 1.48 | 1.35 | 1.20 | 1.32 | -0.7% |
| Diluted EPS | 1.47 | 1.48 | 1.35 | 1.19 | 1.32 | -0.7% |
| Basic shares | 4.50M | 4.48M | 4.48M | 4.48M | 4.47M | +0.3% |
| Diluted shares | 4.50M | 4.48M | 4.48M | 4.50M | 4.48M | +0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $195.78M | $211.53M | $128.72M | $189.14M | $208.79M | -7.4% |
| Property, plant & equipment | $30.31M | $30.94M | $30.79M | $32.17M | $32.38M | -2.0% |
| Goodwill & intangibles | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | 0.0% |
| Total assets | $2.34B | $2.30B | $2.24B | $2.30B | $2.29B | +1.6% |
| Long-term debt | $210.85M | $210.85M | $210.84M | $210.84M | $219.72M | +0.0% |
| Total debt | $215.11M | $215.24M | $214.69M | $214.81M | $223.83M | -0.1% |
| Total liabilities | $2.15B | $2.12B | $2.06B | $2.13B | $2.13B | +1.5% |
| Retained earnings | $165.09M | $160.00M | $154.84M | $150.28M | $146.40M | +3.2% |
| Shareholder equity | $183.84M | $178.74M | $175.24M | $166.34M | $157.36M | +2.9% |
| Net tangible assets | $174.83M | $169.73M | $166.23M | $157.33M | $148.35M | +3.0% |
| Shares issued | 4.49M | 4.71M | 4.71M | 4.71M | 4.71M | -4.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $6.61M | $6.64M | $6.04M | $5.35M | $5.91M | — | -0.4% |
| Depreciation & amortisation | $516.00K | $513.00K | $538.00K | $537.00K | $534.00K | — | +0.6% |
| Stock-based compensation | $218.00K | $156.00K | $186.00K | $158.00K | $281.00K | — | +39.7% |
| Change in working capital | -$1.58M | -$244.00K | -$465.00K | $823.00K | -$2.63M | — | -546.3% |
| Operating cash flow | $6.69M | $24.09M | $3.19M | $8.30M | $5.14M | — | -72.2% |
| Capital expenditure | -$702.00K | -$116.00K | — | -$449.00K | -$187.00K | -$246.00K | -505.2% |
| Investing cash flow | -$55.78M | $6.64M | $5.06M | -$26.86M | -$46.91M | — | -940.3% |
| Share buybacks | -$350.00K | -$405.00K | -$366.00K | -$300.00K | -$296.00K | — | +13.6% |
| Dividends paid | -$1.53M | -$1.48M | -$1.48M | -$1.48M | -$1.47M | — | -3.2% |
| Financing cash flow | $33.34M | $52.32M | -$68.67M | -$1.09M | $24.61M | — | -36.3% |
| Free cash flow | $5.99M | $23.98M | $3.20M | $7.85M | $4.95M | — | -75.0% |
| End cash position | $195.03M | $210.78M | $127.72M | $188.14M | $207.79M | — | -7.5% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.44 | 1.47 | +2.1% |
| Mar 2026 | 1.34 | 1.48 | +10.4% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.45 | 1 | $24.90M | — |
| Next quarter | 1.46 | 1 | $25.40M | — |
| Current year | 5.79 | 1 | $98.80M | — |
| Next year | 6.59 | 1 | $105.30M | +6.6% |
Analyst targets & ownership
Mean target$68.00
High target$68.00
Low target$68.00
Implied upside7.24%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders6.50%
Held by institutions38.20%
Institutions holding141
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
62.73
+1.08% from price
SMA 20
62.97
+0.70% from price
SMA 50
62.91
+0.80% from price
SMA 100
61.76
+2.68% from price
SMA 200
57.01
+11.22% from price
EMA 12
62.91
+0.79% from price
EMA 26
62.86
+0.88% from price
EMA 50
62.59
+1.31% from price
RSI (14)
54.0
Neutral
MACD (12,26,9)
0.06
Hist 0.08
ATR (14)
1.62
2.56% of price
Realised vol 30D
18.0%
Annualised
Bollinger upper
64.35
20, 2σ
Bollinger lower
61.58
20, 2σ
50 / 200 cross
Golden
62.91 vs 57.01
Trend bias
Above 200
+11.22%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.41
Less volatile than market
Correlation to SPY
0.18
Largely independent
Realised vol 30D
18.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-16.3%
Peak to trough
Max drawdown 5Y
-32.5%
Peak to trough
ATR 14
1.62
2.56% of price
Beta (reported)
-0.02
5Y monthly, from filing
Short interest
Shares short
215.65K
Prior 164.00K
Change vs prior
+31.5%
Shorts adding
% of float
5.04%
Normal
% of shares out
4.79%
Against total outstanding
Days to cover
6.0
Crowded exit
Float
4.18M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$1.36 / yr
Forward yield2.15%
5-year avg yield3.50%
Payout ratio24.27%
Ex-dividend dateAug 7, 2026
Next pay dateAug 26, 2026
Last split125:100
Split dateJun 29, 2004
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-18
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-07-24
Corporate Changes & Voting Matters
8-K · 2026-07-17
Periodic Financial Reports
10-Q · 2026-05-11
Corporate Changes & Voting Matters
8-K/A · 2026-05-04
Corporate Changes & Voting Matters
8-K · 2026-05-01
Corporate Changes & Voting Matters
8-K · 2026-04-29
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.