Franklin Financial Services Corporation

Franklin Financial Services Corporation

FRAF
Franklin Financial Services CorporationUS flagNASDAQ Capital Market
64.26
USD
+1.06
- -
288.72MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
9.83
9.96
10.38
10.59
11.21
11.93
12.78
12.84
13.82
14.79
15.38
15.79
19.51
15.41
Basic EPS, GAAP
1.49
1.99
2.4
1.88
0.5
1.4
3.68
2.94
4.44
3.38
3.11
2.51
4.74
4.02
Free Cash Flow per Basic Share
3.69
3.4
3.13
3.46
3.75
2.12
4.34
1.48
5.96
5.71
6.07
4.91
5.68
7.93
Dividend per Share
0.67
0.67
0.74
0.82
0.93
1.05
1.17
1.2
1.25
1.28
1.28
1.27
1.3
0.99
Book Value per Share
22.88
24.54
26.05
26.99
26.44
26.85
29.3
33.07
35.36
26.01
30.23
32.69
39.11
- -
Tangible Book Value per Share
20.55
22.36
23.94
24.9
24.37
24.81
27.23
31.02
33.33
23.96
28.17
30.65
37.09
- -
Basic Weighted Avg Shares
4
4
4
4
4
4
4
4
4
4
4
4
4
4
Sales/Revenue/Turnover
41
42
44
45
49
52
56
56
61
65
67
70
87
69
Operating Margin (%)
18.36
24.77
28.31
20.64
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
1
1
1
1
1
1
1
2
2
2
2
Net Income, GAAP
6
8
10
8
2
6
16
13
20
15
14
11
21
18
Effective Tax Rate (%)
17.2
19.27
18.2
13.87
62.1
- -
15.16
1.98
14.76
14.62
13.68
16.64
19.19
19.66
Profit Margin (%)
15.2
20
23.16
17.78
4.48
11.71
28.82
22.87
32.12
22.84
20.22
15.88
24.28
26.09
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
12
- -
- -
- -
- -
- -
5
25
24
26
24
224
215
- -
Total Equity
95
104
111
116
115
118
128
145
157
114
132
145
175
- -
Return on Invested Capital (%)
5.88
7.95
9.5
6.41
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
6.66
8.45
9.5
7.1
1.88
5.25
13.11
9.39
12.98
11.01
11.04
8.02
13.27
22.92

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
211
211
- -
LT Finance Leases
4
4
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
225
230
281

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
230
305
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.5%
5.44%
21.09%
Free Cash Flow
32.56%
61.87%
16.95%
Net Income, GAAP
32.35%
18.66%
91.24%
Sales/Revenue/Turnover
7.28%
9.62%
25.1%
Total Cash Common Dividend
6.56%
2.29%
3.84%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17
18
19
15
70
2025
20
22
23
23
87
2026
24
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.76
0.69
0.95
0.11
2.51
2025
0.88
1.32
1.2
1.35
4.74
2026
1.48
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.32
0.32
0.32
0.32
1.27
2025
0.32
0.33
0.33
0.33
1.3
2026
0.33
- -
- -
- -
- -

Company Description

CEO
Craig W. Best
Full Time Employees
306
Sector
Financial Services
Industry
Banks - Regional
Address
1500 Nitterhouse Drive Chambersburg PA United States of America 17201-0819
IPO Date
Apr 6, 1994
Business
Franklin Financial Services Corporation (Nasdaq: FRAF) operates as the independent bank holding company for Farmers and Merchants Trust Company of Chambersburg (F&M Trust), providing commercial banking, retail banking, and trust services to businesses, individuals, governmental entities, and nonprofits primarily in south-central Pennsylvania and a portion of Maryland; F&M Trust maintains 23 community banking locations across Franklin, Cumberland, Dauphin, Fulton, and Huntingdon Counties in Pennsylvania and Washington County in Maryland. Core products and services include various deposit products such as demand deposits, savings accounts, money management accounts, time deposits, and certificates of deposit; commercial real estate loans, construction and land development loans, commercial and industrial loans including accounts receivable and inventory financing as well as commercial equipment financing, residential mortgage loans, agricultural loans, installment and revolving consumer loans, and unsecured personal lines of credit; investment and trust services encompassing estate planning and administration, corporate and personal trust fund management, pension and profit-sharing plans, employee benefit funds management, custodial services, non-trust related investment services, mutual funds, annuities, insurance products, safe deposit boxes, and fiduciary services; as well as non-bank activities like venture capital investments. Founded in 1906 and headquartered at 1500 Nitterhouse Drive in Chambersburg, Pennsylvania, the company manages approximately $2.3 billion in assets and employs around 306 people. Recent developments include the reporting of third quarter and year-to-date 2025 financial results with GAAP EPS of $1.32 and revenue of $22.34 million as well as a declaration of a $0.33 per share quarterly dividend in 2025, alongside the filing of its quarterly report (10-Q) on May 15, 2025, reflecting ongoing operational stability and shareholder returns in the regional banking sector.

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