FRAF
Franklin Financial Services Corporation
Price Chart
Latest Quote
$62.04
+0.00 (+0.00%)
Current Price
| Previous Close | $62.04 |
| Open | $61.17 |
| Day High | $62.04 |
| Day Low | $60.79 |
| Volume | 618 |
Stock Information
| Quarterly Dividend / Yield | $1.36 / 2.19% |
| Shares Outstanding | 4.49M |
| Quarterly Dividend Yield | 2.19% |
| Quarterly Dividend | $1.36 |
| Total Debt | $215.24M |
| Cash Equivalents | $28.43M |
| Revenue | $90.19M |
| Net Income | $23.94M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $278.75M |
| P/E Ratio | 11.62 |
| EPS (TTM) | $5.34 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $465.56M |
| Sales | $90.19M |
| Income | $23.94M |
| Book/sh | $39.78 |
| Cash/sh | $6.33 |
Financial Ratios
| EPS Growth TTM | 69.20% |
Returns & Margins
| ROA | 1.05% |
| ROE | 14.50% |
| Operating Margin | 37.15% |
| Profit Margin | 26.54% |
Ownership
| Insider Ownership | 6.49% |
| Institutional Ownership | 34.06% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.57 |
| PEG | 1.03 |
| P/S | 3.09 |
| P/B | 1.56 |
Analyst Data
| Recommendation | hold |
| Target Price | $64.00 |
Technical Indicators
| SMA20 | $59.11 |
| SMA50 | $57.58 |
| SMA200 | $51.14 |
| RSI | 68.76 |
| ATR | 1.9514 |
| Shares Float | 4.18M |
| Short Float | 1.33% |
| Short Ratio | 2.03 |
| Volatility | -0.01 |
| Rel Volume | 0.71 |
Performance History
| Week | +2.01% |
| Month | +9.01% |
| Quarter | +28.77% |
| 6 Months | +12.00% |
| YTD | +28.46% |
| Year | +86.91% |
| 3 Years | +149.99% |
| 5 Years | +147.76% |
| 10 Years | +274.41% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $62.04 | 16,300 |
| 2026-06-18 | $61.45 | 17,800 |
| 2026-06-17 | $60.22 | 15,300 |
| 2026-06-16 | $60.77 | 50,700 |
| 2026-06-15 | $59.69 | 16,800 |
| 2026-06-12 | $60.82 | 17,300 |
| 2026-06-11 | $59.98 | 17,100 |
| 2026-06-10 | $59.67 | 35,300 |
| 2026-06-09 | $61.13 | 22,100 |
| 2026-06-08 | $58.93 | 32,300 |
| 2026-06-05 | $58.73 | 28,000 |
| 2026-06-04 | $58.00 | 15,300 |
| 2026-06-03 | $55.98 | 21,500 |
| 2026-06-02 | $56.67 | 18,600 |
| 2026-06-01 | $57.02 | 12,300 |
| 2026-05-29 | $58.13 | 12,600 |
| 2026-05-28 | $58.48 | 15,100 |
| 2026-05-27 | $58.88 | 18,700 |
| 2026-05-26 | $57.26 | 20,300 |
About Franklin Financial Services Corporation
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.
đ° Latest News
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Franklin Financial Q1 Earnings Surge 69% Y/Y on Margin Expansion
Zacks âĸ 2026-04-29T15:50:00Z
Franklin Financial Services Marks 120 Years as Shareholders Approve Directors, Pay, Auditor
MarketBeat âĸ 2026-04-29T02:36:07Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $87,435,000 | $69,893,000 | $67,253,000 | $65,408,000 |
| Operating Revenue | $87,435,000 | $69,893,000 | $67,253,000 | $65,408,000 |
| Expenses | ||||
| Interest Expense | $44,725,000 | $43,937,000 | $23,125,000 | $4,863,000 |
| Selling And Marketing Expense | $1,726,000 | $1,891,000 | $2,071,000 | $1,915,000 |
| General And Administrative Expense | $37,309,000 | $34,462,000 | $29,664,000 | $28,830,000 |
| Professional Expense And Contract Services Expense | $2,524,000 | $2,133,000 | $2,301,000 | $2,202,000 |
| Other Non Interest Expense | $11,928,000 | $11,526,000 | $9,847,000 | $10,247,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $21,226,000 | $11,099,000 | $13,598,000 | $14,938,000 |
| Net Interest Income | $68,865,000 | $56,822,000 | $53,581,000 | $51,565,000 |
| Interest Income | $113,590,000 | $100,759,000 | $76,706,000 | $56,428,000 |
| Normalized Income | $21,226,000 | $11,099,000 | $14,025,185 | $14,938,000 |
| Net Income From Continuing And Discontinued Operation | $21,226,000 | $11,099,000 | $13,598,000 | $14,938,000 |
| Net Income Common Stockholders | $21,226,000 | $11,099,000 | $13,598,000 | $14,938,000 |
| Net Income | $21,226,000 | $11,099,000 | $13,598,000 | $14,938,000 |
| Net Income Including Noncontrolling Interests | $21,226,000 | $11,099,000 | $13,598,000 | $14,938,000 |
| Net Income Continuous Operations | $21,226,000 | $11,099,000 | $13,598,000 | $14,938,000 |
| Pretax Income | $26,267,000 | $13,315,000 | $15,753,000 | $17,495,000 |
| Special Income Charges | - | $0 | $-495,000 | $0 |
| Per Share | ||||
| Diluted EPS | $4.74 | $2.51 | $3.10 | $3.36 |
| Basic EPS | $4.74 | $2.51 | $3.11 | $3.38 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $-67,815 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,146,000 | $2,090,000 | $2,016,000 | $1,437,000 |
| Diluted Average Shares | $4,481,149 | $4,427,362 | $4,381,000 | $4,445,000 |
| Basic Average Shares | $4,481,149 | $4,427,362 | $4,374,000 | $4,421,000 |
| Diluted NI Availto Com Stockholders | $21,226,000 | $11,099,000 | $13,598,000 | $14,938,000 |
| Tax Provision | $5,041,000 | $2,216,000 | $2,155,000 | $2,557,000 |
| Gain On Sale Of Security | $-7,000 | $-4,058,000 | $-1,103,000 | $-160,000 |
| Selling General And Administration | $39,035,000 | $36,353,000 | $31,735,000 | $30,745,000 |
| Insurance And Claims | $1,980,000 | $1,710,000 | $851,000 | $736,000 |
| Salaries And Wages | $35,329,000 | $32,752,000 | $28,813,000 | $28,094,000 |
| Occupancy And Equipment | $4,782,000 | $4,583,000 | $4,398,000 | $4,069,000 |
| Total Unusual Items | - | $0 | $-495,000 | $0 |
| Total Unusual Items Excluding Goodwill | - | $0 | $-495,000 | $0 |
| Other Special Charges | - | - | $495,000 | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $166,226,000 | $135,700,000 | $123,120,000 | $105,181,000 |
| Total Assets | $2,239,018,000 | $2,197,841,000 | $1,836,039,000 | $1,699,579,000 |
| Goodwill And Other Intangible Assets | $9,016,000 | $9,016,000 | $9,016,000 | $9,016,000 |
| Cash And Cash Equivalents | $128,720,000 | $205,112,000 | $29,369,000 | $78,874,000 |
| Cash Financial | $22,446,000 | $19,848,000 | $19,505,000 | $17,883,000 |
| Cash Cash Equivalents And Federal Funds Sold | $137,617,000 | $213,887,000 | $31,744,000 | $79,518,000 |
| Debt | ||||
| Net Debt | $82,125,000 | $14,587,000 | $120,292,000 | - |
| Total Debt | $214,685,000 | $223,962,000 | $154,477,000 | $25,767,000 |
| Long Term Debt And Capital Lease Obligation | $214,685,000 | $223,962,000 | $24,477,000 | $25,767,000 |
| Long Term Debt | $210,845,000 | $219,699,000 | $19,661,000 | $19,623,000 |
| Current Debt And Capital Lease Obligation | - | $0 | $130,000,000 | - |
| Current Debt | - | $0 | $130,000,000 | - |
| Other Current Borrowings | - | $0 | $130,000,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,063,776,000 | $2,053,125,000 | $1,703,903,000 | $1,585,382,000 |
| Equity | ||||
| Common Stock Equity | $175,242,000 | $144,716,000 | $132,136,000 | $114,197,000 |
| Total Equity Gross Minority Interest | $175,242,000 | $144,716,000 | $132,136,000 | $114,197,000 |
| Stockholders Equity | $175,242,000 | $144,716,000 | $132,136,000 | $114,197,000 |
| Gains Losses Not Affecting Retained Earnings | $-21,589,000 | $-35,508,000 | $-40,940,000 | $-51,287,000 |
| Other Equity Adjustments | $-21,589,000 | $-35,508,000 | $-40,940,000 | $-51,287,000 |
| Retained Earnings | $154,844,000 | $139,463,000 | $133,993,000 | $125,892,000 |
| Other | ||||
| Treasury Shares Number | $229,823 | $283,610 | $339,741 | $320,575 |
| Ordinary Shares Number | $4,481,149 | $4,427,362 | $4,371,231 | $4,390,397 |
| Share Issued | $4,710,972 | $4,710,972 | $4,710,972 | $4,710,972 |
| Tangible Book Value | $166,226,000 | $135,700,000 | $123,120,000 | $105,181,000 |
| Invested Capital | $386,087,000 | $364,415,000 | $281,797,000 | $133,820,000 |
| Capital Lease Obligations | $3,840,000 | $4,263,000 | $4,816,000 | $6,144,000 |
| Total Capitalization | $386,087,000 | $364,415,000 | $151,797,000 | $133,820,000 |
| Treasury Stock | $6,656,000 | $7,741,000 | $9,274,000 | $8,654,000 |
| Additional Paid In Capital | $43,932,000 | $43,791,000 | $43,646,000 | $43,535,000 |
| Capital Stock | $4,711,000 | $4,711,000 | $4,711,000 | $4,711,000 |
| Common Stock | $4,711,000 | $4,711,000 | $4,711,000 | $4,711,000 |
| Long Term Capital Lease Obligation | $3,840,000 | $4,263,000 | $4,816,000 | $6,144,000 |
| Investments And Advances | $101,086,000 | $301,570,000 | $472,930,000 | $487,247,000 |
| Goodwill | $9,016,000 | $9,016,000 | $9,016,000 | $9,016,000 |
| Net PPE | $30,794,000 | $33,145,000 | $33,223,000 | $36,036,000 |
| Accumulated Depreciation | $-21,942,000 | $-20,017,000 | $-20,108,000 | $-19,109,000 |
| Gross PPE | $52,736,000 | $53,162,000 | $53,331,000 | $55,145,000 |
| Other Properties | $3,657,000 | $4,106,000 | $4,680,000 | $6,010,000 |
| Machinery Furniture Equipment | $10,978,000 | $10,241,000 | $11,097,000 | $9,767,000 |
| Buildings And Improvements | $34,268,000 | $34,880,000 | $33,947,000 | $35,751,000 |
| Land And Improvements | $3,833,000 | $3,935,000 | $3,607,000 | $3,617,000 |
| Other Short Term Investments | $101,086,000 | $301,404,000 | $472,503,000 | $486,836,000 |
| Available For Sale Securities | - | $166,000 | $427,000 | $411,000 |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $24,576,000 | $19,188,000 | $26,066,000 | $13,026,000 |
| Operating Activities | ||||
| Operating Cash Flow | $25,442,000 | $21,755,000 | $26,565,000 | $25,244,000 |
| Cash Flow From Continuing Operating Activities | $25,442,000 | $21,755,000 | $26,565,000 | $25,244,000 |
| Operating Gains Losses | $-1,672,000 | $3,702,000 | $920,000 | $-697,000 |
| Investing Activities | ||||
| Capital Expenditure | $-866,000 | $-2,567,000 | $-499,000 | $-12,218,000 |
| Investing Cash Flow | $-107,021,000 | $-184,366,000 | $-178,267,000 | $-95,055,000 |
| Cash Flow From Continuing Investing Activities | $-107,021,000 | $-184,366,000 | $-178,267,000 | $-95,055,000 |
| Net Other Investing Changes | $-122,000 | $-5,842,000 | $-1,731,000 | $-149,000 |
| Capital Expenditure Reported | $-866,000 | $-2,567,000 | $-499,000 | $-12,218,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-1,104,000 | $-827,000 | $-2,394,000 | $-3,334,000 |
| Issuance Of Capital Stock | $1,225,000 | $1,749,000 | $1,355,000 | $1,416,000 |
| Financing Cash Flow | $5,687,000 | $343,084,000 | $109,943,000 | $-40,439,000 |
| Cash Flow From Continuing Financing Activities | $5,687,000 | $343,084,000 | $109,943,000 | $-40,439,000 |
| Cash Dividends Paid | $-5,845,000 | $-5,629,000 | $-5,595,000 | $-5,658,000 |
| Common Stock Dividend Paid | $-5,845,000 | $-5,629,000 | $-5,595,000 | $-5,658,000 |
| Net Common Stock Issuance | $121,000 | $922,000 | $-1,039,000 | $-1,918,000 |
| Common Stock Issuance | $1,225,000 | $1,749,000 | $1,355,000 | $1,416,000 |
| Other | ||||
| Repayment Of Debt | $-9,000,000 | $0 | - | - |
| Issuance Of Debt | $0 | $200,000,000 | $0 | - |
| Interest Paid Supplemental Data | $45,562,000 | $43,105,000 | $19,460,000 | $4,754,000 |
| End Cash Position | $127,721,000 | $203,613,000 | $23,140,000 | $64,899,000 |
| Beginning Cash Position | $203,613,000 | $23,140,000 | $64,899,000 | $175,149,000 |
| Changes In Cash | $-75,892,000 | $180,473,000 | $-41,759,000 | $-110,250,000 |
| Proceeds From Stock Option Exercised | $286,000 | $122,000 | $47,000 | $48,000 |
| Common Stock Payments | $-1,104,000 | $-827,000 | $-2,394,000 | $-3,334,000 |
| Net Issuance Payments Of Debt | $-9,000,000 | $70,000,000 | $130,000,000 | $0 |
| Net Short Term Debt Issuance | $0 | $-130,000,000 | $130,000,000 | $0 |
| Net Long Term Debt Issuance | $-9,000,000 | $200,000,000 | $0 | - |
| Long Term Debt Payments | $-9,000,000 | $0 | - | - |
| Long Term Debt Issuance | $0 | $200,000,000 | $0 | - |
| Net Investment Purchase And Sale | $72,650,000 | $-39,035,000 | $22,156,000 | $-26,659,000 |
| Sale Of Investment | $72,650,000 | $97,233,000 | $72,408,000 | $60,553,000 |
| Purchase Of Investment | $0 | $-136,268,000 | $-50,252,000 | $-87,212,000 |
| Change In Working Capital | $352,000 | $1,693,000 | $2,931,000 | $-313,000 |
| Change In Other Working Capital | $-469,000 | $-457,000 | $-448,000 | $-436,000 |
| Change In Other Current Liabilities | $-376,000 | $1,073,000 | $3,913,000 | $918,000 |
| Change In Other Current Assets | $1,197,000 | $1,077,000 | $-534,000 | $-795,000 |
| Other Non Cash Items | $416,000 | $1,236,000 | $2,769,000 | $7,526,000 |
| Stock Based Compensation | $819,000 | $634,000 | $483,000 | $462,000 |
| Unrealized Gain Loss On Investment Securities | $7,000 | $-209,000 | $-16,000 | $69,000 |
| Deferred Tax | $-751,000 | $-473,000 | $1,140,000 | $1,172,000 |
| Deferred Income Tax | $-751,000 | $-473,000 | $1,140,000 | $1,172,000 |
| Depreciation Amortization Depletion | $2,146,000 | $2,090,000 | $2,016,000 | $1,437,000 |
| Depreciation And Amortization | $2,146,000 | $2,090,000 | $2,016,000 | $1,437,000 |
| Pension And Employee Benefit Expense | $-1,000,000 | $0 | - | - |
| Gain Loss On Investment Securities | $0 | $4,267,000 | $1,119,000 | $91,000 |
| Net Income From Continuing Operations | $21,226,000 | $11,099,000 | $13,598,000 | $14,938,000 |
| Income Tax Paid Supplemental Data | - | $1,859,000 | $1,344,000 | $88,000 |
| Gain Loss On Sale Of PPE | - | - | - | $0 |
Fetched: 2026-06-22