FRAF (Franklin Financial Services) Institutional Ownership: 38.76% (As of Jul. 12, 2026)


FRAF Franklin Financial Services Corp FRAF
53 GF Score
Price $61.79
GF Value $43.24
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Franklin Financial Services Institutional Ownership?

Franklin Financial Services FRAF +1.23% 53 Institutional Ownership is 38.76% as of Jul. 12, 2026. GuruFocus rates FRAF with a GF Score™ of 53/100 and a GF Value™ of $43.24 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Institutional ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, Franklin Financial Services's institutional ownership is 38.76%.

Insider Ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, Franklin Financial Services's Insider Ownership is 12.15%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, Franklin Financial Services's Float Percentage Of Total Shares Outstanding is 95.22%.

Franklin Financial Services Institutional Ownership Historical Data

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The historical data trend for Franklin Financial Services's Institutional Ownership can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Franklin Financial Services Institutional Ownership Chart

Franklin Financial Services Historical Data

The historical data trend for Franklin Financial Services can be seen below:

2025-09-30 2025-10-31 2025-11-30 2025-12-31 2026-01-31 2026-02-28 2026-03-31 2026-04-30 2026-05-31 2026-06-30
Institutional Ownership 21.88 21.79 22.88 24.37 24.33 23.94 23.11 23.34 24.32 25.33
FRAF
53GF Score
Franklin Financial Services Corp FRAF
Institutional Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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Franklin Financial Services Institutional Ownership Calculation

The percentage of shares that are owned by institutions out of the total shares outstanding.

What does a Institutional Ownership of 38.76% mean?
Franklin Financial Services (FRAF) has a Institutional Ownership of 38.76% as of Jul. 12, 2026. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Franklin Financial Services and its competitors.
Is Franklin Financial Services' Institutional Ownership too high?
Franklin Financial Services' current Institutional Ownership is 38.76%. Overall, Franklin Financial Services has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Franklin Financial Services' Institutional Ownership compare to OVLY and CFFI?
Franklin Financial Services' Institutional Ownership of 38.76% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Institutional Ownership for a Banks company?
A good Institutional Ownership depends on the Banks industry context. However, Institutional Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Institutional Ownership mean?
A high Institutional Ownership can signal that a stock is expensive relative to its fundamentals. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Franklin Financial Services and its competitors. Franklin Financial Services's current Institutional Ownership is 38.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Franklin Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Franklin Financial Services (FRAF) is currently considered Significantly Overvalued. The stock's GF Value™ is $43.24, compared to a current price of $61.79 — trading 42.9% above its estimated fair value. The current Institutional Ownership is 38.76%. Franklin Financial Services' overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Institutional Ownership calculated?
Institutional Ownership is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current Institutional Ownership is 38.76% as of Jul. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Franklin Financial Services (FRAF) Overvalued in 2026?

Based on GuruFocus' analysis, Franklin Financial Services stock appears to be overvalued. The current stock price of $61.79 is trading 42.9% above its estimated GF Value™ of $43.24. GuruFocus considers Franklin Financial Services to be Significantly Overvalued.

Key valuation signals for FRAF:

  • Institutional Ownership: 38.76%
  • GF Value™: $43.24 vs. price of $61.79 (42.9% above fair value)
  • GF Score™: 53/100 with 6 warning signs

No single metric tells the full story. See the FRAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Franklin Financial Services Business Description

Address 1500 Nitterhouse Drive, Chambersburg, PA, USA, 17201-0819
Franklin Financial Services Corp is a bank holding company based in the United States. It is engaged in general commercial, retail banking, and trust services normally associated with community banks. It offers a broad range of banking services to businesses, individuals, and governmental entities, which include accepting and maintaining cheques, savings, and time deposit accounts, providing investment and trust services, making loans and providing safe deposit facilities. The bank also performs personal, corporate, pension and fiduciary services through its Investment and Trust Services Department.
53GF Score

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Institutional Ownership is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$61.79
Price
$43.24
GF Value