FRANKLIN FINANCIAL SERVICES CORP /PA/ FRAF

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

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's common stock is listed under the symbol "FRAF" on the Nasdaq Capital Market. The Corporation's internet address is www.franklinfin.com. Electronic copies of the Corporation's 2025 Annual Report on Form 10-K are available free of charge by visiting the "Investor Information" section of www.franklinfin.com. Electronic copies of quarterly reports on Form 10-Q and current reports on Form 8-K are also available at this internet address. These reports are posted as soon as reasonably practicable after they are electronically filed with the Securities and Exchange Commission (SEC). This reference to the Corporation's internet address shall not, under any circumstances, be deemed to incorporate the information available at such internet address into this Form 10-K or other SEC filings. The information available at the Corporation's internet address is not part of this Form 10-K or any other report filed by the Corporation with the SEC. The Corporation's SEC filings can also be obtained on the SEC's website on the internet at http://www.sec.gov.

Last close 63.63 2026-10-23
Market cap $286.3M 2026-06-30 share count
52-week range 44.99 - 65.41

Valuation FY2025 figures against the last close

P/S2.5x
P/E13.4x
P/FCF11.3x
EV/EBITDA—
Dividend yield2.0%
Diluted EPS4.74

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $114.4M$101.5M$76.8M$56.4M$47.6M$45.9M$49.2M$44.9M$39.9M$37.0M
Interest expense $69.6M$57.5M$53.6M$4.9M$2.9M$4.0M$7.1M$4.2M$2.5M$2.2M
Pre-tax income $26.3M$13.3M$15.8M$17.5M$23.0M$13.1M$19.0M$6.0M$5.7M$9.4M
Income tax $5.0M$2.2M$2.2M$2.6M$3.4M$258.0K$2.9M$165.0K$3.6M$1.3M
Net income $21.2M$11.1M$13.6M$14.9M$19.6M$12.8M$16.1M$6.1M$2.2M$8.1M
EPS, basic 4.762.523.113.384.442.943.681.400.501.88
EPS, diluted 4.742.513.103.364.422.933.671.390.501.88
Shares, diluted (wtd. avg.) 4.5M4.4M4.4M4.4M4.4M4.4M4.4M4.4M4.4M4.3M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $127.7M$203.6M$23.1M$64.9M$175.1M$57.1M$83.8M$53.0M$58.6M$36.7M
Property, plant and equipment $27.1M$29.0M$28.5M$30.0M$19.2M$13.1M$13.9M$13.5M$13.7M$14.1M
Goodwill $9.0M$9.0M$9.0M$9.0M$9.0M$9.0M$9.0M$9.0M$9.0M$9.0M
Total assets $2.24B$2.20B$1.84B$1.70B$1.77B$1.54B$1.27B$1.21B$1.18B$1.13B
Short-term debt ————$0$0———$24.3M
Total liabilities $2.06B$2.05B$1.70B$1.59B$1.62B$1.39B$1.14B$1.09B$1.06B$1.01B
Retained earnings $154.8M$139.5M$134.0M$125.9M$116.6M$102.5M$94.9M$83.9M$82.2M$83.1M
Total equity $175.2M$144.7M$132.1M$114.2M$157.1M$145.2M$127.5M$118.4M$115.1M$116.5M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $25.4M$21.8M$26.6M$25.2M$26.3M$6.4M$19.0M$9.3M$16.3M$14.9M
Depreciation and amortisation $2.1M$1.8M$2.1M$1.4M$1.1M$1.2M$1.3M$1.2M$1.2M$1.3M
Stock-based compensation $819.0K$634.0K$483.0K$462.0K$204.0K$197.0K$0$185.0K$161.0K$88.0K
Capital expenditure —————————$579.0K
Investing cash flow -$107.0M-$184.4M-$178.3M-$95.1M-$133.9M-$277.3M-$23.5M-$47.5M-$32.2M-$102.7M
Financing cash flow $5.7M$343.1M$109.9M-$40.4M$225.6M$244.2M$35.4M$32.5M$37.9M$85.3M
Dividends paid $5.8M$5.6M$5.6M$5.7M$5.5M$5.2M$5.1M$4.6M$4.0M$3.5M
Buybacks $1.1M$827.0K$2.4M$3.3M$1.2M$1.2M$3.8M$88.0K—$795.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000723646-26-000016.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 37M Net income, FY2016: 8.1M Revenue, FY2017: 39.9M Net income, FY2017: 2.2M Revenue, FY2018: 44.9M Net income, FY2018: 6.1M Revenue, FY2019: 49.2M Net income, FY2019: 16.1M Revenue, FY2020: 45.9M Net income, FY2020: 12.8M Revenue, FY2021: 47.6M Net income, FY2021: 19.6M Revenue, FY2022: 56.4M Net income, FY2022: 14.9M Revenue, FY2023: 76.8M Net income, FY2023: 13.6M Revenue, FY2024: 101.5M Net income, FY2024: 11.1M Revenue, FY2025: 114.4M Net income, FY2025: 21.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $37.0M $39.9M $44.9M $49.2M $45.9M $47.6M $56.4M $76.8M $101.5M $114.4M
Gross profit — — — — — — — — — —
Net income $8.1M $2.2M $6.1M $16.1M $12.8M $19.6M $14.9M $13.6M $11.1M $21.2M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Regulation FD disclosure Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Officer or director change Item 5.02
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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