Franklin Financial Services Corp (FRAF) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Franklin Financial Services reported revenue of $88.8M, up 24.8% from $71.2M the year before. Net income was $21.2M (a 23.9% net margin), or $4.74 per diluted share. Net interest income was $69.6M, and the efficiency ratio (noninterest expense / revenue) was 67.2%. Operating activities generated $25.4M of cash. At fiscal year end, Franklin Financial Services held $2.24B in total assets against $2.06B in total liabilities, including $127.7M of cash and equivalents.
Open the full interactive Franklin Financial Services financials → Quarterly statements, key ratios, valuation history and price charts.
Franklin Financial Services Key Stats
| Share Price | $63.32 |
|---|---|
| Market Cap | $285.1M |
| P/E Ratio | 13.4 |
| Revenue YoY Growth | +24.8% |
| 52-Week Range | $42.61 – $64.26 |
| Shares Outstanding | 4.5 million (basic, 2026 Q2) |
Franklin Financial Services Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $42.0M | $44.7M | $51.6M | $53.6M | $57.5M | $69.6M |
| Provision for Credit Losses | $4.6M | -$2.1M | $650,000 | $2.7M | $2.0M | $2.9M |
| Noninterest Income | $15.1M | $19.5M | $15.2M | $14.9M | $13.7M | $19.2M |
| Noninterest Expense | $39.4M | $43.2M | $48.7M | $50.0M | $55.9M | $59.7M |
| Revenue | $57.0M | $64.2M | $66.8M | $68.5M | $71.2M | $88.8M |
| Pre-Tax Income | $13.1M | $23.0M | $17.5M | $15.8M | $13.3M | $26.3M |
| Income Tax | $258,000 | $3.4M | $2.6M | $2.2M | $2.2M | $5.0M |
| Net Income | $12.8M | $19.6M | $14.9M | $13.6M | $11.1M | $21.2M |
| Diluted EPS | $2.93 | $4.42 | $3.36 | $3.10 | $2.51 | $4.74 |
Franklin Financial Services Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $23.0M | $23.3M | $23.9M | $24.5M |
| Net Income | $5.4M | $6.0M | $6.6M | $6.6M |
| Diluted EPS | $1.19 | $1.35 | $1.48 | $1.47 |
Franklin Financial Services Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $57.1M | $175.1M | $64.9M | $23.1M | $203.6M | $127.7M |
| Loans (Net) | $992.9M | $983.7M | $1.04B | $1.24B | $1.38B | $1.54B |
| Total Assets | $1.54B | $1.77B | $1.70B | $1.84B | $2.20B | $2.24B |
| Deposits | $1.35B | $1.58B | $1.55B | $1.54B | $1.82B | $1.84B |
| Total Long-Term Debt | $39.6M | $451.6M | $40.0M | $155.0M | $200.3M | $200.2M |
| Total Liabilities | $1.39B | $1.62B | $1.59B | $1.70B | $2.05B | $2.06B |
| Shareholders' Equity | $145.2M | $157.1M | $114.2M | $132.1M | $144.7M | $175.2M |
Franklin Financial Services Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $6.4M | $26.3M | $25.2M | $26.6M | $21.8M | $25.4M |
| Cash From Investing | -$277.3M | -$133.9M | -$95.1M | -$178.3M | -$184.4M | -$107.0M |
| Cash From Financing | $244.2M | $225.6M | -$40.4M | $109.9M | $343.1M | $5.7M |
Figures from Franklin Financial Services' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Franklin Financial Services financials page for every line item.
Franklin Financial Services Company Profile
| Ticker | FRAF |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Chambersburg, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0000723646 |
Frequently Asked Questions
What was Franklin Financial Services' revenue in fiscal 2025?
Franklin Financial Services (FRAF) reported revenue of $88.8M for fiscal 2025.
What is Franklin Financial Services' annual revenue history?
Franklin Financial Services' annual revenue by fiscal year: 2020: $57.0M; 2021: $64.2M; 2022: $66.8M; 2023: $68.5M; 2024: $71.2M; 2025: $88.8M.
What was Franklin Financial Services' net income in fiscal 2025?
Franklin Financial Services reported net income of $21.2M for fiscal 2025.
What was Franklin Financial Services' earnings per share (EPS) in fiscal 2025?
Franklin Financial Services' diluted EPS was $4.74 for fiscal 2025 (adjusted for any later stock splits).
What was Franklin Financial Services' revenue last quarter?
In its most recent reported quarter (2026 Q2), Franklin Financial Services reported revenue of $24.5M.
How much debt does Franklin Financial Services have?
Franklin Financial Services reported $200.2M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Franklin Financial Services are outstanding?
Franklin Financial Services reported a weighted average of 4.5 million basic shares outstanding in 2026 Q2.
What is Franklin Financial Services' market cap?
Based on its latest closing price, Franklin Financial Services (FRAF) has a market capitalization of about $285.1M.
When does Franklin Financial Services' fiscal year end?
Franklin Financial Services' fiscal year end, as registered with the SEC, is December 31.
Where is Franklin Financial Services headquartered?
Franklin Financial Services lists its business address in Chambersburg, Pennsylvania in its SEC filings.