70.26
+1.71%
Close of 9 Nov 2026, in USD
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About Franklin Financial Services
From its filings with the US Securities and Exchange Commission
Franklin Financial Services is based in Chambersburg, Pennsylvania and is incorporated in Pennsylvania. Its shares trade on Nasdaq under the ticker FRAF. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $21.2m. At that date it held total assets of $2.24bn and shareholders' equity of $175.2m.
Franklin Financial Services Corporation (the “Corporation”) was organized as a Pennsylvania business corporation on June 1, 1983 and is a registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHCA”). On January 16, 1984, pursuant to a plan of reorganization approved by the shareholders of Farmers and Merchants Trust Company of Chambersburg (“F&M Trust” or “the Bank”) and the appropriate regulatory agencies, the Corporation exchanged all of the shares of F&M Trust and issued its own shares of the Corporation to former F&M Trust shareholders on a one share – for - one share basis.
The Corporation conducts substantially all of its business through its wholly owned direct banking subsidiary, F&M Trust. F&M Trust, established in 1906, is a full-service, Pennsylvania-chartered commercial bank and trust company, which is not a member of the Federal Reserve System. F&M Trust operates twenty-three community banking offices in Franklin, Cumberland, Dauphin, Fulton and Huntingdon Counties, Pennsylvania; and Washington County, Maryland. The Bank engages in general commercial and retail banking services normally associated with community banks and its deposits are insured (up to applicable legal limits) by the Federal Deposit Insurance Corporation (the “FDIC”). F&M Trust offers a wide variety of banking services to businesses, individuals, and governmental entities. These services include, but are not necessarily limited to, accepting and maintaining checking, savings, and time deposit accounts, making loans and providing safe deposit facilities.
Quoted from its 10-K, filed 13 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 27 Oct 1993
- Employees
- 306
- Website
- franklinfin.com ↗
- Head office
- 20 S MAIN ST, CHAMBERSBURG, PA, 17201-0819
- Incorporated in
- PA
- Classification
- State Commercial Banks
- Filer status
- Accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. G. Warren ElliottIndependent Chairman of the Board$148,620
- Mr. Craig BestPresident, Chief Executive Officer of the Company and Farmers and Merchants Trust Company, Director, since 2025
- Mr. Mark HollarChief Financial Officer, Executive Vice President, Treasurer$406,347
- Mr. Steven ButzSenior Vice President and Chief Commercial Services Market Manager, F&M Trust$324,681
- Mr. Karen CarmackSenior Vice President and Chief Human Resources Officer, F&M Trust
- Mr. Charles CarrollExecutive Vice President, Chief Operating Officer, F&M Trust$497,946
- Mr. Scott EhrigSenior Vice President, Chief Wealth Management Officer, Farmers and Merchants Trust
- Mr. Louis GuistiniSenior Vice President, Chief Retail Services Manager, F&M Trust
- Ms. Lorie HeckmanExecutive Vice President and Chief Risk Officer F&M Trust$232,272
- Mr. David LongSenior Vice President, Chief Technology Officer, F&M Trust
- Mr. Matthew WeaverSenior Vice President, Chief Marketing Officer, F&M Trust
- Mr. Martin BrownIndependent Director$84,310
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 37
- Environment
- 2
- Social
- 47
- Governance
- 63
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Established Reputation: Franklin Financial Services Corp has built a strong reputation in the financial services industry, contributing to customer trust and loyalty.
- Diverse Products and Services: The company offers a wide range of financial products and services, including banking, investment, insurance, and wealth management, catering to various customer needs.
- Strong Financial Position: Franklin Financial Services Corp exhibits a robust financial position with healthy revenue growth, solid profitability, and manageable debt levels, enhancing its stability and ability to weather economic downturns.
- Technological Advancements: The company has invested in technology and digital platforms, enabling efficient operations, improved customer experiences, and competitive advantages in the digital era.
Weaknesses
- Limited Market Presence: Franklin Financial Services Corp has a relatively smaller market presence compared to its major competitors, resulting in a potential disadvantage in terms of market share and brand recognition.
- Lack of Geographic Diversification: The company operates predominantly in a specific region, making it susceptible to local economic fluctuations and regulatory changes, limiting its growth potential outside its current market.
- Limited Product Innovation: The pace of introducing new, innovative financial products and services is slower compared to some competitors, potentially hindering the company's ability to meet evolving customer demands and preferences.
Opportunities
- Market Expansion: Franklin Financial Services Corp can pursue strategic growth opportunities by expanding into new markets and regions, both domestically and internationally, to increase its customer base and revenue streams.
- Fintech Collaborations: The company can explore partnerships or collaborations with fintech startups to leverage their innovative technologies, enhance service offerings, and improve operational efficiency.
- Growing Demand for ESG Investments: With increasing interest in environmental, social, and governance (ESG) investments, Franklin Financial Services Corp can develop and promote sustainable investment products to capture this emerging market segment.
Threats
- Intense Competition: The financial services industry is highly competitive, and Franklin Financial Services Corp faces intense competition from established players as well as emerging fintech companies, which may exert pressure on market share and profitability.
- Regulatory and Compliance Risks: Strict regulations and evolving compliance requirements pose challenges for Franklin Financial Services Corp, requiring ongoing investments to ensure adherence and mitigate potential legal and reputational risks.
- Economic Uncertainty: Economic fluctuations, recessions, or changes in interest rates can impact the company's profitability, loan quality, and overall financial performance, necessitating proactive risk management strategies.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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