Franklin Financial Services (FRAF)
Franklin Financial Services on one page: short interest, daily short volume, fails to deliver, planned sales, large holders, 13F holders, financials, earnings dates and insider trades. Listed on Nasdaq, classified by the SEC as state commercial banks.
243K
Short interest
settlement 2026-09-30
5.8
Days to cover
+0.6 days vs prior
50.6%
Short share of volume
2026-10-09
1
Fails to deliver
settlement 2026-08-24
Tue 28 Jan
Last earnings
reported (8-K Item 2.02)
$2K
Insider flow, 90 days
2 buys, 0 sells
As of 2026-10-09.
Short interest
FINRA, twice a month. The newest 24 settlements in the table, 48 in the chart. JSONAs of 30 September 2026, short interest in FRAF is 243,028 shares, up 63,750 shares over the last month. Over the last 48 readings it ranged from 4,096 shares (14 February 2025) to 243,028 shares (30 September 2026). The latest reading sits at the top of that range. At the reported average volume of 42K shares a day that is 5.8 days to cover.
Embed this chart.The embed keeps its attribution line.
<iframe src="https://xoomar.com/embed/stocks/fraf" width="100%" height="440" style="border:0;max-width:100%" loading="lazy" title="XOOMAR chart"></iframe>
| Settlement | Shares short | Change | Avg daily volume | Days to cover |
|---|---|---|---|---|
| 2026-09-30 | 243,028 | +12.7% | 41,993 | 5.79 |
| 2026-09-15 | 215,646 | +20.3% | 41,481 | 5.20 |
| 2026-08-31 | 179,278 | +9.3% | 30,063 | 5.96 |
| 2026-08-14 | 163,995 | +10.8% | 30,221 | 5.43 |
| 2026-07-31 | 147,985 | +27.5% | 41,347 | 3.58 |
| 2026-07-15 | 116,095 | +13.8% | 44,520 | 2.61 |
| 2026-06-30 | 102,006 | +76.3% | 38,914 | 2.62 |
| 2026-06-15 | 57,861 | +1.4% | 21,444 | 2.70 |
| 2026-05-29 | 57,049 | +3.3% | 26,656 | 2.14 |
| 2026-05-15 | 55,229 | -10.0% | 27,120 | 2.04 |
| 2026-04-30 | 61,348 | -11.2% | 36,458 | 1.68 |
| 2026-04-15 | 69,116 | -6.0% | 46,228 | 1.50 |
| 2026-03-31 | 73,545 | -10.6% | 24,083 | 3.05 |
| 2026-03-13 | 82,298 | +5.3% | 23,297 | 3.53 |
| 2026-02-27 | 78,143 | +4.9% | 19,588 | 3.99 |
| 2026-02-13 | 74,498 | -30.6% | 37,030 | 2.01 |
| 2026-01-30 | 107,414 | +71.8% | 70,224 | 1.53 |
| 2026-01-15 | 62,541 | -3.0% | 97,940 | 1.00 |
| 2025-12-31 | 64,511 | +37.0% | 61,385 | 1.05 |
| 2025-12-15 | 47,083 | -0.0% | 46,926 | 1.00 |
| 2025-11-28 | 47,087 | -24.0% | 46,264 | 1.02 |
| 2025-11-14 | 61,951 | -9.3% | 25,037 | 2.47 |
| 2025-10-31 | 68,299 | -10.8% | 22,651 | 3.02 |
| 2025-10-15 | 76,595 | -1.9% | 17,099 | 4.48 |
Daily short volume
FINRA Reg SHO, the last 30 sessions. JSONAs of 9 October 2026, the short share of FRAF volume is 50.6%, down 19.3 points over the last five sessions. Over the last 30 readings it ranged from 38.1% (6 October 2026) to 92.7% (28 September 2026). The latest reading is 15.2 points below the 30-session average of 65.8%, on 8K shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-10-09 | 4K | 8K | 50.6% | 0 |
| 2026-10-08 | 6K | 9K | 65.9% | 0 |
| 2026-10-07 | 5K | 7K | 74.1% | 0 |
| 2026-10-06 | 6K | 16K | 38.1% | 0 |
| 2026-10-05 | 4K | 9K | 45.2% | 0 |
| 2026-10-02 | 4K | 5K | 69.9% | 0 |
| 2026-10-01 | 6K | 9K | 60.6% | 0 |
| 2026-09-30 | 4K | 7K | 62.1% | 0 |
| 2026-09-29 | 5K | 6K | 77.6% | 0 |
| 2026-09-28 | 7K | 7K | 92.7% | 0 |
| 2026-09-25 | 5K | 7K | 70.4% | 0 |
| 2026-09-24 | 6K | 7K | 82.4% | 0 |
| 2026-09-23 | 3K | 5K | 61.3% | 0 |
| 2026-09-22 | 3K | 5K | 55.1% | 0 |
| 2026-09-21 | 6K | 9K | 61.3% | 0 |
| 2026-09-18 | 7K | 8K | 88.2% | 0 |
| 2026-09-17 | 4K | 7K | 64.6% | 0 |
| 2026-09-16 | 5K | 9K | 52.9% | 0 |
| 2026-09-15 | 5K | 8K | 65.8% | 0 |
| 2026-09-14 | 4K | 6K | 64.1% | 0 |
| 2026-09-11 | 4K | 6K | 76.3% | 0 |
| 2026-09-10 | 4K | 6K | 65.8% | 0 |
| 2026-09-09 | 6K | 8K | 74.6% | 0 |
| 2026-09-08 | 3K | 4K | 61.3% | 0 |
| 2026-09-04 | 3K | 6K | 59.9% | 0 |
| 2026-09-03 | 3K | 4K | 73.9% | 0 |
| 2026-09-02 | 6K | 10K | 60.4% | 0 |
| 2026-09-01 | 12K | 17K | 73.3% | 0 |
| 2026-08-31 | 2K | 4K | 59.9% | 0 |
| 2026-08-28 | 3K | 4K | 64.8% | 0 |
Fails to deliver
SEC, the last 30 settlement dates with a fail. JSONAs of 24 August 2026, the fails-to-deliver balance in FRAF is 1 share, down 28 shares over the last settlement date. Over the last 30 readings it ranged from 1 share (4 February 2026) to 829 shares (10 June 2026). The latest reading sits at the bottom of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 2026-08-24 | 1 | $62.01 | $62 |
| 2026-08-10 | 29 | $62.32 | $2K |
| 2026-07-31 | 678 | $63.11 | $43K |
| 2026-07-29 | 544 | $63.99 | $35K |
| 2026-07-16 | 51 | $62.17 | $3K |
| 2026-07-02 | 21 | $63.84 | $1K |
| 2026-06-30 | 812 | $64.00 | $52K |
| 2026-06-16 | 336 | $59.69 | $20K |
| 2026-06-12 | 44 | $59.98 | $3K |
| 2026-06-10 | 829 | $61.13 | $51K |
| 2026-06-09 | 57 | $58.93 | $3K |
| 2026-06-08 | 102 | $58.73 | $6K |
| 2026-05-13 | 2 | $56.10 | $112 |
| 2026-05-06 | 29 | $57.49 | $2K |
| 2026-05-05 | 1 | $56.12 | $56 |
| 2026-04-20 | 3 | $58.47 | $175 |
| 2026-04-15 | 304 | $57.14 | $17K |
| 2026-04-06 | 3 | $51.67 | $155 |
| 2026-04-01 | 8 | $51.08 | $409 |
| 2026-03-17 | 107 | $49.79 | $5K |
| 2026-03-11 | 62 | $49.87 | $3K |
| 2026-03-03 | 200 | $52.96 | $11K |
| 2026-02-19 | 375 | $50.66 | $19K |
| 2026-02-10 | 272 | $48.36 | $13K |
| 2026-02-09 | 70 | $48.06 | $3K |
| 2026-02-04 | 1 | $50.22 | $50 |
| 2026-01-20 | 67 | $53.15 | $4K |
| 2026-01-16 | 30 | $53.96 | $2K |
| 2026-01-09 | 156 | $53.31 | $8K |
| 2026-01-08 | 168 | $50.04 | $8K |
Insider trades
SEC Form 4, newest first, 50 of 100 shown. JSONInsiders at FRAF reported 2 open-market buys worth $2K in the last 90 days and no open-market sells. Latest filing: Fisher Daniel J (Director) on 2026-09-28.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 2026-09-28 | Fisher Daniel J | Director | Grant | 78 | $62.65 | $5K | 30K |
| 2026-09-28 | Kerlin Stanley J | Director | Grant | 125 | $62.65 | $8K | 27K |
| 2026-09-28 | Snook Gregory I | Director | Grant | 103 | $62.65 | $6K | 10K |
| 2026-09-28 | Craig Kevin W | Director | Grant | 172 | $62.65 | $11K | 28K |
| 2026-09-28 | Duffey Gregory A | Director | Grant | 51 | $62.65 | $3K | 24K |
| 2026-09-28 | ELLIOTT G WARREN | Director | Grant | 39 | $62.65 | $2K | 18K |
| 2026-08-26 | Duffey Gregory A | Director | Buy | 16 | $62.08 | $993 | 24K |
| 2026-07-31 | Weaver Matthew D | SVP, Chief Marketing Officer | Tax withholding | 1K | $63.11 | $68K | 5K |
| 2026-07-31 | Weaver Matthew D | SVP, Chief Marketing Officer | Option exercise | 2K | $30.00 | $68K | 6K |
| 2026-07-29 | Carmack Karen K | SVP, Chief HR Officer | Option exercise | 2K | $34.10 | $77K | 9K |
| 2026-07-29 | Heckman Lorie M. | EVP, Chief Risk Officer | Tax withholding | 1K | $63.99 | $85K | 8K |
| 2026-07-29 | Heckman Lorie M. | EVP, Chief Risk Officer | Option exercise | 3K | $34.10 | $85K | 10K |
| 2026-07-29 | Duffey Gregory A | Director | Buy | 16 | $64.08 | $1K | 24K |
| 2026-07-29 | Carmack Karen K | SVP, Chief HR Officer | Tax withholding | 1K | $63.99 | $77K | 8K |
| 2026-07-29 | Carmack Karen K | SVP, Chief HR Officer | Tax withholding | 1K | $63.99 | $68K | 7K |
| 2026-07-29 | Carmack Karen K | SVP, Chief HR Officer | Option exercise | 2K | $30.00 | $68K | 8K |
| 2026-06-29 | Craig Kevin W | Director | Grant | 174 | $63.21 | $11K | 28K |
| 2026-06-29 | Duffey Gregory A | Director | Grant | 50 | $63.21 | $3K | 24K |
| 2026-06-29 | ELLIOTT G WARREN | Director | Grant | 39 | $63.21 | $2K | 18K |
| 2026-06-29 | Fisher Daniel J | Director | Grant | 78 | $63.21 | $5K | 30K |
| 2026-06-29 | Kerlin Stanley J | Director | Grant | 124 | $63.21 | $8K | 27K |
| 2026-06-29 | Snook Gregory I | Director | Grant | 102 | $63.21 | $6K | 10K |
| 2026-06-01 | Long David M | SVP, Chief Technology Officer | Grant | 16 | $47.51 | $760 | 2K |
| 2026-06-01 | Giustini Louis J | SVP, CRSO | Grant | 82 | $47.51 | $4K | 2K |
| 2026-06-01 | Hollar Mark R | SEVP/CFO | Grant | 136 | $47.51 | $6K | 17K |
| 2026-06-01 | Carroll Charles Benner Jr | President & COO | Grant | 109 | $47.51 | $5K | 6K |
| 2026-06-01 | Carmack Karen K | SVP, Chief HR Officer | Grant | 7 | $47.51 | $333 | 5K |
| 2026-06-01 | BEST CRAIG W | CEO | Grant | 246 | $47.51 | $12K | 18K |
| 2026-05-27 | Duffey Gregory A | Director | Buy | 17 | $58.88 | $1K | 24K |
| 2026-05-26 | Butz Steven D | EVP, CCSO | Sell | 1K | $57.73 | $81K | 6K |
| 2026-04-29 | Carroll Charles Benner Jr | President & COO | Grant | 1K | $0.00 | $0 | 6K |
| 2026-04-29 | Duffey Gregory A | Director | Buy | 18 | $55.35 | $996 | 24K |
| 2026-03-30 | Snook Gregory I | Director | Grant | 128 | $50.56 | $6K | 9K |
| 2026-03-30 | Fisher Daniel J | Director | Grant | 97 | $50.56 | $5K | 30K |
| 2026-03-30 | Kerlin Stanley J | Director | Grant | 155 | $50.56 | $8K | 27K |
| 2026-03-30 | ELLIOTT G WARREN | Director | Grant | 48 | $50.56 | $2K | 18K |
| 2026-03-30 | Duffey Gregory A | Director | Grant | 63 | $50.56 | $3K | 24K |
| 2026-03-30 | Craig Kevin W | Director | Grant | 214 | $50.56 | $11K | 28K |
| 2026-03-24 | Heckman Lorie M. | EVP, Chief Risk Officer | Option exercise | 200 | $34.10 | $7K | 7K |
| 2026-03-09 | Snook Gregory I | Director | Buy | 2K | $48.18 | $106K | 9K |
| 2026-03-02 | Snook Gregory I | Director | Grant | 383 | $0.00 | $0 | 7K |
| 2026-03-02 | Long David M | SVP, Chief Technology Officer | Tax withholding | 169 | $51.48 | $9K | 2K |
| 2026-03-02 | Long David M | SVP, Chief Technology Officer | Grant | 542 | $0.00 | $0 | 2K |
| 2026-03-02 | Giustini Louis J | SVP, CRSO | Tax withholding | 179 | $51.48 | $9K | 2K |
| 2026-03-02 | Giustini Louis J | SVP, CRSO | Grant | 628 | $0.00 | $0 | 2K |
| 2026-03-02 | Rzomp Kimberly | Director | Grant | 334 | $0.00 | $0 | 6K |
| 2026-03-02 | Heckman Lorie M. | EVP, Chief Risk Officer | Tax withholding | 173 | $51.48 | $9K | 7K |
| 2026-03-02 | Heckman Lorie M. | EVP, Chief Risk Officer | Grant | 426 | $0.00 | $0 | 7K |
| 2026-03-02 | Weaver Matthew D | SVP, Chief Marketing Officer | Tax withholding | 159 | $51.48 | $8K | 4K |
| 2026-03-02 | Weaver Matthew D | SVP, Chief Marketing Officer | Grant | 443 | $0.00 | $0 | 4K |
Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are rarer.
Planned sales (Form 144)
Newest first. JSON2 Form 144 notices on file for FRAF worth $159K at the prices reported; 0 in the last 90 days worth $0. Latest: Butz Steven D filed on 2026-05-14 to sell 1,400 shares ($78K) from 2026-05-18.
| Filed | Seller | Shares | Market value | Of outstanding | Sale from | Broker |
|---|---|---|---|---|---|---|
| 2026-05-14 | Butz Steven DOfficer | 1K | $78K | 0.031% | 2026-05-18 | Computershare |
| 2025-12-22 | Rzomp KimberlyDirector | 2K | $81K | 0.033% | 2025-12-22 | Wells Fargo Clearing Services |
Large holders (13D and 13G)
One row per reporting person with its latest filing, newest first. JSON1 holder reports 5% or more of FRAF in its latest filing, on Schedule 13G (passive). The holder is BlackRock, Inc. at 5.1% of the class (230,360 shares), filed 2026-01-21 for an event on 2025-12-31.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-03-26 | 13G/Ano. 1 | The Vanguard Groupinvestment adviser | 0 | 0.0% | 2026-03-13 |
| 2026-02-13 | 13G/Ano. 4 | Fourthstone LLCinvestment adviser | 176K | 3.9% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 4 | L. Phillip Stone, IVindividual | 176K | 3.9% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 4 | Fourthstone Master Opportunity Fund Ltdother entity | 139K | 3.1% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 4 | Fourthstone GP LLCother entity | 37K | 0.8% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 4 | Fourthstone QP Opportunity Fund LPpartnership | 37K | 0.8% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 4 | Fourthstone Small-Cap Financials Fund LPpartnership | 0 | 0.0% | 2025-12-31 |
| 2026-01-21 | 13G | BlackRock, Inc.parent holding company | 230K | 5.1% | 2025-12-31 |
13F holders
Tracked managers holding FRAF at their latest 13F. JSON4 of the 30 tracked managers held FRAF at their latest 13F, $2.6M in total at quarter-end prices. AQR Capital Management is the largest at $885K (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 1 added shares and 3 cut.
| Fund | Quarter | Shares | Value | Of portfolio | Change in shares |
|---|---|---|---|---|---|
| AQR Capital Management | 2026-06-30 | 14K | $885K | 0.00% | +7K |
| Millennium Management | 2026-06-30 | 11K | $698K | 0.00% | -31K |
| Renaissance Technologies | 2026-06-30 | 8K | $526K | 0.00% | -16K |
| Two Sigma Investments | 2026-06-30 | 8K | $484K | 0.00% | -150 |
Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.
Financials
SEC XBRL, as filed. JSONIn FY 2025 it generated $25.4M of operating cash flow and spent $1.1M on buybacks and $5.8M on dividends.
- Cash
- $195.0M
- Equity
- $183.8M
- Total assets
- $2.34B
- Shares outstanding
- 4,499,582
Quarterly, last 8 quarters
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q2 FY 2026 | 2026-06-30 | n/a | $6.6M | n/a | 1.47 |
| Q1 FY 2026 | 2026-03-31 | n/a | $6.6M | n/a | 1.48 |
| Q4 FY 2025derived | 2025-12-31 | n/a | $6.0M | n/a | n/a |
| Q3 FY 2025 | 2025-09-30 | n/a | $5.4M | n/a | 1.19 |
| Q2 FY 2025 | 2025-06-30 | n/a | $5.9M | n/a | 1.32 |
| Q1 FY 2025 | 2025-03-31 | n/a | $3.9M | n/a | 0.88 |
| Q4 FY 2024derived | 2024-12-31 | n/a | $487K | n/a | n/a |
| Q3 FY 2024 | 2024-09-30 | n/a | $4.2M | n/a | 0.95 |
Fiscal years, with buybacks and dividends
| Fiscal year | Ends | Revenue | Net income | Operating cash flow | Capex | Buybacks | Dividends |
|---|---|---|---|---|---|---|---|
| FY 2025 | 2025-12-31 | n/a | $21.2M | $25.4M | n/a | $1.1M | $5.8M |
| FY 2024 | 2024-12-31 | n/a | $11.1M | $21.8M | n/a | $827K | $5.6M |
| FY 2023 | 2023-12-31 | n/a | $13.6M | $26.6M | n/a | $2.4M | $5.6M |
| FY 2022 | 2022-12-31 | n/a | $14.9M | $25.2M | n/a | $3.3M | $5.7M |
| FY 2021 | 2021-12-31 | n/a | $19.6M | $26.3M | n/a | $1.2M | $5.5M |
Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are the cash the company paid to repurchase its common stock in the year, not the amount authorized. Balance sheet lines are as of 2026-06-30; shares outstanding as of 2026-07-31 from the cover page.
What this page is
Franklin Financial Services in the regulatory record
Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page puts those series for one ticker on one URL, with planned sales, large holders, 13F holders and financials beside them, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.
Each section has its own history table, a one-line summary of the latest figures and its own JSON and CSV links, and says when its source last updated.
This page follows Franklin Financial Services (FRAF), SEC CIK 723646, listed on Nasdaq, classified by the SEC as state commercial banks. The cross-market tables live on the short interest and insider transactions hubs.
Source and updates
- Short interest
- FINRA consolidated short interestSource: FINRA.Twice a month, about eight business days after settlement. Latest 2026-09-30.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesSource: FINRA.Every trading day, the morning after FINRA posts it. Latest 2026-10-09.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataSource: SEC.Twice a month, a few weeks after the half month ends. Latest 2026-08-24.JSON and CSV
- Planned sales
- SEC EDGAR Form 144Source: SEC.New notices appear shortly after the SEC posts them; a notice is filed on or before the sale. Latest 2026-05-14.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GSource: SEC.New filings appear shortly after the SEC posts them. A 13D is due within five business days of crossing 5%; a 13G follows the passive schedule. Latest 2026-03-26.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRSource: SEC.Quarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC EDGAR 10-K and 10-Q filingsSource: SEC.Weekly; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
- Earnings dates
- SEC EDGAR 8-K filings (Item 2.02)Source: SEC.Twice a day. Reported dates come from the company's 8-K filings; the next date is marked as an estimate until the 8-K arrives. Latest 2025-01-28.JSON and CSV
- Insider trades
- SEC EDGAR Form 4Source: SEC.New filings appear shortly after the SEC posts them; they're due two business days after the trade. Latest 2026-09-28.JSON and CSV
- Company record
- EDGAR filing index for CIK 723646Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 10 requests a minute without a key, 30 with a free key from a free account.
How to read it
- Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
- Insider buys next to a large short position are rare and stand out; insider sells next to one are common and mean little.
- Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.
Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.
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Datasets
Frequently Asked Questions
How much of FRAF is sold short?
What is FRAF's daily short volume?
Does FRAF have fails to deliver?
Are FRAF insiders buying or selling?
Have FRAF insiders filed to sell?
Who owns 5% or more of FRAF?
What did FRAF report last quarter?
Which tracked 13F managers own FRAF?
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.