NASDAQ : FRAF
Franklin Financial Services Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 71.105 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 320.04M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 92.67M | 87.23M | 74.00M | 58.28M | 41.93M | 37.99M |
| Interest Income on Investments | 22.87M | 27.14M | 27.45M | 18.48M | 14.52M | 9.58M |
| Total Interest Income | 115.53M | 114.37M | 101.45M | 76.76M | 56.45M | 47.57M |
| Interest Paid on Deposits | 29.30M | 34.69M | 30.91M | 18.84M | 3.82M | 1.85M |
| Interest Paid on Borrowings | 9.57M | 10.03M | 13.03M | 4.28M | 1.05M | 1.05M |
| Total Interest Expense | 38.87M | 44.73M | 43.94M | 23.12M | 4.86M | 2.90M |
| Net Interest Income | 76.67M | 69.65M | 57.51M | 53.64M | 51.59M | 44.67M |
| Trust Income | 9.57M | 9.17M | 8.54M | 7.51M | 7.15M | 7.11M |
| Gain (Loss) on Sale of Assets | 1.78M | |||||
| Gain (Loss) on Sale of Investments | -7.00K | -4.06M | -1.10M | -160.00K | 217.00K | |
| Other Non-Interest Income | 7.45M | 6.81M | 6.19M | 5.75M | 4.96M | 5.40M |
| Total Non-Interest Income | 20.65M | 19.18M | 13.68M | 14.85M | 15.25M | 19.19M |
| Revenues Before Loan Losses | 97.31M | 88.82M | 71.19M | 68.49M | 66.84M | 63.86M |
| Provision for Loan Losses | 2.73M | 2.90M | 1.98M | 2.72M | 650.00K | -2.10M |
| Revenue | 94.59M | 85.92M | 69.21M | 65.76M | 66.19M | 65.96M |
| Salaries and Employee Benefits | 34.18M | 34.57M | 32.07M | 28.21M | 28.20M | 25.39M |
| Occupancy Expenses | 3.85M | 3.88M | 3.66M | 3.42M | 2.86M | 2.57M |
| Federal Deposit Insurance | 1.88M | 1.98M | 1.71M | 851.00K | 736.00K | 735.00K |
| Selling, General & Administrative | 12.77M | 12.56M | 11.82M | 11.03M | 10.94M | 9.19M |
| Other Non-Interest Expense | 7.21M | 6.66M | 6.64M | 6.50M | 5.96M | 5.35M |
| Total Non-Interest Expense | 59.90M | 59.66M | 55.90M | 50.01M | 48.69M | 43.24M |
| EBT Excluding Unusual Items | 34.69M | 26.27M | 13.31M | 15.75M | 17.50M | 22.72M |
| Pretax Income | 34.69M | 26.27M | 13.31M | 15.75M | 17.50M | 23.01M |
| Income Tax Expense | 6.87M | 5.04M | 2.22M | 2.15M | 2.56M | 3.40M |
| Net Income | 27.83M | 21.23M | 11.10M | 13.60M | 14.94M | 19.62M |
| Net Income to Common | 27.83M | 21.23M | 11.10M | 13.60M | 14.94M | 19.62M |
| Basic Shares Outstanding | 4.49M | 4.46M | 4.40M | 4.37M | 4.42M | 4.42M |
| Diluted Shares Outstanding | 4.49M | 4.48M | 4.41M | 4.38M | 4.45M | 4.44M |
| EPS (Basic) | 6.19 | 4.76 | 2.52 | 3.11 | 3.38 | 4.44 |
| EPS (Diluted) | 6.19 | 4.74 | 2.51 | 3.10 | 3.36 | 4.42 |
| Dividend Per Share | 1.34 | 1.31 | 1.28 | 1.28 | 1.28 | 1.25 |
| Effective Tax Rate | 19.79% | 19.19% | 16.64% | 13.68% | 14.62% | 14.77% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 183.60M | 121.22M | 198.41M | 23.14M | 64.90M | 175.15M |
| Investment Securities | 466.22M | 214.06M | 222.36M | 242.56M | 284.34M | 332.43M |
| Trading Asset Securities | 124.00K | 2.27M | ||||
| Mortgage-Backed Securities | 241.53M | 287.91M | 236.60M | 216.88M | 208.36M | |
| Total Investments | 466.22M | 455.71M | 512.54M | 479.16M | 501.22M | 540.78M |
| Gross Loans | 1.62B | 1.56B | 1.40B | 1.26B | 1.05B | 998.81M |
| Allowance for Loan Losses | -21.42M | -20.66M | -17.65M | -16.05M | -14.18M | -15.07M |
| Net Loans | 1.60B | 1.54B | 1.38B | 1.24B | 1.04B | 983.75M |
| Property, Plant & Equipment | 30.80M | 33.15M | 33.22M | 36.04M | 23.95M | |
| Goodwill | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M | |
| Loans Held for Sale | 343.00K | 18.93M | 2.47M | 213.00K | 283.00K | 2.83M |
| Restricted Cash | 6.50M | 5.20M | ||||
| Other Current Assets | 797.00K | |||||
| Long-Term Deferred Tax Assets | 7.88M | 10.83M | 11.80M | 15.63M | 3.31M | |
| Other Long-Term Assets | 111.54M | 38.72M | 45.80M | 38.55M | 35.63M | 35.02M |
| Total Assets | 2.36B | 2.24B | 2.20B | 1.84B | 1.70B | 1.77B |
| Interest Bearing Deposits | 1.58B | 1.47B | 1.45B | 1.22B | 1.24B | 1.27B |
| Institutional Deposits | 55.90M | 77.40M | 44.40M | 8.80M | 15.20M | |
| Non-Interest Bearing Deposits | 380.46M | 310.25M | 290.35M | 273.05M | 299.23M | 298.40M |
| Total Deposits | 1.96B | 1.84B | 1.82B | 1.54B | 1.55B | 1.58B |
| Short-Term Borrowings | 200.00M | 200.00M | 200.00M | 130.00M | 3.00K | 21.00K |
| Current Portion of Leases | 601.00K | |||||
| Long-Term Debt | 10.86M | 10.85M | 19.70M | 19.66M | 19.62M | 19.59M |
| Long-Term Leases | 3.24M | 4.26M | 4.82M | 6.14M | 4.86M | |
| Other Long-Term Liabilities | 18.75M | 13.32M | 13.52M | 11.45M | 8.16M | 7.92M |
| Total Liabilities | 2.19B | 2.06B | 2.05B | 1.70B | 1.59B | 1.62B |
| Common Stock | 4.71M | 4.71M | 4.71M | 4.71M | 4.71M | 4.71M |
| Additional Paid-In Capital | 44.30M | 43.93M | 43.79M | 43.65M | 43.53M | 43.09M |
| Retained Earnings | 172.09M | 154.84M | 139.46M | 133.99M | 125.89M | 116.61M |
| Treasury Stock | -6.55M | -6.66M | -7.74M | -9.27M | -8.65M | -6.80M |
| Comprehensive Income & Other | -36.84M | -21.59M | -35.51M | -40.94M | -51.29M | -547.00K |
| Shareholders' Equity | 177.71M | 175.24M | 144.72M | 132.14M | 114.20M | 157.06M |
| Total Liabilities & Equity | 2.36B | 2.24B | 2.20B | 1.84B | 1.70B | 1.77B |
| Total Debt | 210.86M | 214.69M | 223.96M | 154.48M | 25.77M | 24.47M |
| Net Cash (Debt) | -26.51M | -92.34M | -21.77M | -125.11M | 53.10M | 161.18M |
| Net Cash Per Share | -5.90 | -20.63 | -4.93 | -28.56 | 11.95 | 36.30 |
| Filing Date Shares Outstanding | 4.50M | 4.48M | 4.44M | 4.38M | 4.40M | 4.45M |
| Total Common Shares Outstanding | 4.50M | 4.48M | 4.43M | 4.37M | 4.39M | 4.44M |
| Book Value Per Share | 39.48 | 39.11 | 32.69 | 30.23 | 26.01 | 35.36 |
| Tangible Book Value | 177.71M | 166.23M | 135.70M | 123.12M | 105.18M | 148.05M |
| Tangible Book Value Per Share | 39.48 | 37.09 | 30.65 | 28.17 | 23.96 | 33.33 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 21.23M | 11.10M | 13.60M | 14.94M | 19.62M | |
| Depreciation & Amortization | 2.15M | 2.09M | 2.02M | 1.44M | 1.20M | |
| Other Amortization | 146.00K | 38.00K | 38.00K | 35.00K | 33.00K | |
| Gain (Loss) on Sale of Assets | -1.73M | |||||
| Gain (Loss) on Sale of Investments | 7.00K | 4.06M | 1.10M | 142.00K | -236.00K | |
| Provision for Credit Losses | 2.90M | 1.98M | 2.72M | 650.00K | -2.10M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -10.00K | -1.69M | 269.00K | 3.31M | 9.05M | |
| Change in Other Net Operating Assets | 352.00K | 1.69M | 2.93M | -313.00K | 1.80M | |
| Other Operating Activities | -1.75M | -551.00K | 1.14M | 1.17M | -205.00K | |
| Operating Cash Flow | 25.44M | 21.75M | 26.57M | 25.24M | 26.35M | |
| Capital Expenditures | -866.00K | -2.57M | -499.00K | -12.22M | -8.81M | |
| Investment in Securities | 73.15M | -34.30M | 29.90M | -30.14M | -142.09M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -179.18M | -141.65M | -205.94M | -52.55M | 12.55M | |
| Other Investing Activities | -122.00K | -5.84M | -1.73M | -149.00K | 4.42M | |
| Investing Cash Flow | -107.02M | -184.37M | -178.27M | -95.06M | -133.94M | |
| Long-Term Debt Issued | 200.00M | 130.00M | ||||
| Total Debt Issued | 200.00M | 130.00M | ||||
| Long-Term Debt Repaid | -9.00M | -130.00M | ||||
| Total Debt Repaid | -9.00M | -130.00M | ||||
| Net Debt Issued (Repaid) | -9.00M | 70.00M | 130.00M | |||
| Issuance of Common Stock | 1.51M | 1.87M | 1.40M | 1.46M | 2.52M | |
| Repurchase of Common Stock | -1.10M | -827.00K | -2.39M | -3.33M | -1.19M | |
| Common Dividends Paid | -5.84M | -5.63M | -5.59M | -5.66M | -5.52M | |
| Net Increase (Decrease) in Deposit Accounts | 20.12M | 277.67M | -13.47M | -32.91M | 229.79M | |
| Financing Cash Flow | 5.69M | 343.08M | 109.94M | -40.44M | 225.59M | |
| Net Cash Flow | -75.89M | 180.47M | -41.76M | -110.25M | 118.00M | |
| Free Cash Flow | 24.58M | 19.19M | 26.07M | 13.03M | 17.54M | |
| Free Cash Flow Margin | 28.60% | 27.72% | 39.64% | 19.68% | 26.59% | |
| Free Cash Flow Per Share | 5.49 | 4.35 | 5.95 | 2.93 | 3.95 | |
| Cash Interest Paid | 45.56M | 43.10M | 19.46M | 4.75M | 3.00M | |
| Cash Income Tax Paid | 5.34M | 1.86M | 1.34M | 88.00K | 3.05M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 320.04M | 224.85M | 132.03M | 137.61M | 158.37M | 146.69M |
| Last Close Price | 71.11 | 49.28 | 28.41 | 28.81 | 31.58 | 27.83 |
| PE Ratio | 11.48 | 10.59 | 11.90 | 10.12 | 10.60 | 7.48 |
| PS Ratio | 3.38 | 2.62 | 1.91 | 2.09 | 2.39 | 2.22 |
| PB Ratio | 1.80 | 1.28 | 0.91 | 1.04 | 1.39 | 0.93 |
| P/FCF Ratio | 7.80 | 9.15 | 6.88 | 5.28 | 12.16 | 8.36 |
| P/OCF Ratio | 7.57 | 8.84 | 6.07 | 5.18 | 6.27 | 5.57 |
| Debt / Equity Ratio | 1.19 | 1.23 | 1.55 | 1.17 | 0.23 | 0.16 |
| Debt / FCF Ratio | 8.74 | 11.67 | 5.93 | 1.98 | 1.40 | |
| Net Debt / Equity Ratio | 0.15 | 0.53 | 0.15 | 0.95 | -0.47 | -1.03 |
| Net Debt / FCF Ratio | 3.76 | 1.14 | 4.80 | -4.08 | -9.19 | |
| Return on Equity (ROE) | 16.18% | 13.27% | 8.02% | 11.04% | 11.01% | 12.98% |
| Return on Assets (ROA) | 1.19% | 0.96% | 0.55% | 0.77% | 0.86% | 1.19% |
| Earnings Yield | 8.71% | 9.44% | 8.41% | 9.88% | 9.43% | 13.37% |
| FCF Yield | 12.82% | 10.93% | 14.53% | 18.94% | 8.22% | 11.96% |
| Dividend Yield | 1.91% | 2.61% | 4.29% | 4.07% | 3.55% | 3.79% |
| Payout Ratio | 21.96% | 27.54% | 50.72% | 41.15% | 37.88% | 28.16% |
| Buyback Yield / Dilution | -0.45% | -1.41% | -0.75% | 1.44% | -0.11% | -1.70% |
| Total Shareholder Return | 1.47% | 1.21% | 3.54% | 5.51% | 3.44% | 2.09% |