FRAF — FRANKLIN FINANCIAL SERVICES CORP /PA/

Nasdaq · Financials · Banks · CIK 723646 ·
Last close
$63.16
Market Cap
$283.78M
52W High
$64.88
52W Low
$54.30
ADV30
42,549
Next earnings
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Jun 2026
Mar 2026 23,504,000 6,637,000 2,297,518,000 211,527,000 2,118,774,000
Dec 2025 22,954,000 6,043,000 2,239,018,000 128,720,000 2,063,776,000
Sep 2025 22,657,000 5,354,000 2,297,077,000 189,143,000 2,130,734,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$40,714,000
Investing CF
$-62,066,000
Financing CF
$7,173,000
CapEx
$-998,000
Dividends Paid
$-5,907,000
Buybacks
$-1,367,000
EPS Diluted TTM
$5.34
As of
2026-06-07

Balance + Analyst (yfinance extras)

Retained Earnings
$154,844,000
Inventory
Receivables
ST Investments
$101,086,000
EBIT TTM
Pretax Income TTM
$26,268,000
Interest Exp TTM
$44,724,000
Analysts
1

Yahoo Snapshot (yfinance, live)

Total Revenue
$91,346,000
EBITDA
Free Cash Flow
Enterprise Value
$298,690,336
Total Cash
$195,780,992
Total Debt
$210,855,008
Shares Out
4,493,032
Trailing EPS
$5.48
Book Value
$40.91
ROE
14.4%
ROA
1.1%
Div Yield
2.15%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 87,435,000 21,226,000 2,239,018,000 2,063,776,000 25,442,000
Dec 2024 69,893,000 11,099,000 2,197,841,000 2,053,125,000 21,755,000
Dec 2023 67,253,000 13,598,000 1,836,039,000 1,703,903,000 26,565,000
Dec 2022 65,408,000 14,938,000 1,699,579,000 1,585,382,000 25,244,000

TTM Snapshot

Revenues TTM
$49,608,000
NetIncome TTM
$18,570,000
OpCashFlow TTM
$0
Assets (Latest)
$2,197,841,000
Forward EPS
$6.59

Peers — same industry

TickerNameMarket CapLastDaily %
FUNC FIRST UNITED CORP/MD/ $284.87M $44.14
OVLY Oak Valley Bancorp $284.96M $33.87
LCNB LCNB CORP $282.37M $19.81
BPRN Princeton Bancorp, Inc. $280.89M $41.24
FXNC FIRST NATIONAL CORP /VA/ $287.10M $31.75

News headlines (Yahoo Finance, 1h cache)

Franklin Financial Q2 Earnings Rise Y/Y on Higher Net Interest Income
2026-07-27 14:59 · Yahoo
Franklin Financial Reports Second Quarter and Year-to-Date 2026 Results; Declares Dividend
2026-07-24 13:00 · Yahoo
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2026-07-23 14:12 · Yahoo
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2026-05-19 11:39 · Yahoo
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2026-05-18 13:10 · Yahoo
Undervalued Small Caps With Insider Buying For May 2026
2026-05-18 11:39 · Yahoo
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2026-05-15 11:39 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.