FRAF

Franklin Financial Services Corporation

Sector: financial servicesBanks - RegionalNASDAQMarket Cap: $231.0M

Regional bank holding company with minimal federal government dependence and negligible political engagement profile.

Govt Dependence

25/100

Regulatory Density

65/100

Lobbying Intensity

5/100

Political Signal

LOW

BusinessWhat FRAF does

Franklin Financial Services Corporation operates as a community bank holding company providing retail and commercial banking services, deposit products, and lending across its regional footprint. Primary revenue derives from net interest income on loans and deposits, with secondary revenue from service charges and fees.

Lifetime Government AwardsFRAF federal contracts

FRAF doesn't hold direct federal contracts.

Verified via USASpending.gov: $0 reported in direct prime-contract awards. Companies in this position typically sell federal services indirectly through prime contractors and integrators (e.g., Lockheed Martin, Booz Allen, Microsoft Azure) or through commercial channels that don't appear in USASpending data.

Smart Money · 13F HoldingsHedge funds holding FRAF

$7.6M

Total FRAF held by tracked 13F funds

Funds with FRAF positions

+14

Funds opened this quarter

Renaissance Technologies $1M opened 2025-12-31

Citadel Advisors $1M opened 2025-12-31

Renaissance Technologies $704K opened 2025-09-30

Renaissance Technologies $675K opened 2025-06-30

Renaissance Technologies $566K opened 2024-09-30

Renaissance Technologies $547K opened 2024-12-31

Citadel Advisors $516K opened 2025-06-30

Renaissance Technologies $467K opened 2024-06-30

6 more 13F positions tracked · quarterly delta charts available in member dashboard

Corporate Insiders · Form 4What CEOs, CFOs, and directors are doing with their own stock

Open-market buys

Insider signal score 40/100 · 2 distinct insiders · 2 open-market buys totaling $124K in the last 180 days.

2026-03-09 Snook Gregory I BUY 2,200 sh $106K

Stock awards & option exercises

stock awards · $84K market value

option exercises · $7K

2026-03-30 Craig Kevin W Director AWARD 214 sh $11K

2026-03-30 Kerlin Stanley J Director AWARD 155 sh $8K

2026-03-30 Snook Gregory I Director AWARD 128 sh $6K

2026-03-30 Fisher Daniel J Director AWARD 97 sh $5K

2026-03-30 Duffey Gregory A Director AWARD 63 sh $3K

2026-03-30 ELLIOTT G WARREN Director AWARD 48 sh $2K

2026-03-02 Brown Martin R Director AWARD 383 sh —

2026-03-02 Duffey Gregory A Director AWARD 383 sh —

For FRAF, executives receive stock primarily as compensation rather than via open-market purchases — typical for established large-cap firms.

Bills to WatchLegislation flagged by our analysis

Basel IV capital rulesCommunity Reinvestment Act reformdeposit insurance threshold changes

Political ProfileWhere FRAF sits in Washington

As a small regional bank with no direct federal contracts or subsidies and minimal political engagement, FRAF stock is primarily driven by interest rates, credit cycles, and regional economic conditions rather than legislative or regulatory events.

Regulatory ExposureThreats & opportunities

Regulatory threats

interest rate volatility impact on net interest margin
increased capital requirements
CRE concentration limits

Regulatory opportunities

regulatory relief for sub-$10B banks
CRE lending flexibility
deposit insurance expansion

LobbyingWho's hired to advocate for FRAF

American Bankers AssociationIndependent Community Bankers of America

Member intelligence layer

Live signals + predictions for FRAF — for Founders

The free page above gives you the public record. Members see the real-time intelligence layer on top of it:

Live 7-layer signal scores when Congress trades FRAF
Bill Pass Index v2 odds for every bill on the watch list
Iron Triangle alerts (committee × donor × trade)
SEC Form 4 cluster detection (CEO + CFO + director buys)
Whale-Opportunity expected-value ranking
Custom watchlist alerts via email + Discord

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Frequently AskedAbout FRAF & political exposure

Does Franklin Financial Services Corporation (FRAF) hold federal contracts?

No direct prime contracts reported in USASpending.gov for Franklin Financial Services Corporation. Companies in the semiconductor and AI hardware sectors often sell to the federal government via prime contractors and cloud resellers (Microsoft Azure, AWS, Lockheed Martin systems integration) rather than as direct primes.

What is FRAF political risk profile?

Government dependence: 25/100. Lobbying intensity: 5/100. Political signal: low.

How does GovGreed track FRAF political activity?

GovGreed integrates STOCK Act congressional trade disclosures, FEC contributions, OGE executive-branch disclosures, USASpending federal contracts, Senate LDA lobbying filings, and SEC Form 4 corporate insider trades into a single queryable graph. FRAF data is updated daily from these official federal sources.