FRAF
FRANKLIN FINANCIAL SERVICES CORP /PA/Company Information
- Company Name
- FRANKLIN FINANCIAL SERVICES CORP /PA/
- CIK
- CIK0000723646
- Category
- Accelerated filer<br>Smaller reporting company
- Ticker: Exchange
- FRAF: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- FRAF
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-08-26
- Last sale
- 2026-05-26
- Shares purchased (TTM)
- 2,706
- Shares sold (TTM)
- 4,789
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 1,683,993
- Shares outstanding
- 4,493,000
- Ownership
- 37.48%
Earnings Market Reaction
- Filing date
- 2026-08-10
- Price on filing date
- —
- 1-month reaction
- 4.00%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Due From Banks | 26 | 24 | 22 | 25 | 27 | 23 | 20 | 26 | 20 | 22 | 20 | 20 | ||||||
| Cash And Cash Equivalents At Carrying Value | 195 | 211 | 128 | 188 | 208 | 225 | 204 | 236 | 180 | 183 | 23 | 74 | ||||||
| Available For Sale Securities Debt Securities | 452 | 436 | 455 | 469 | 481 | 495 | 509 | 466 | 454 | 463 | 473 | 458 | ||||||
| Equity Securities Fv Ni | - | - | - | - | - | - | 0 | 1 | 0 | 0 | 0 | 0 | ||||||
| Federal Home Loan Bank Stock | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 10 | 10 | 2 | 2 | ||||||
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 3 | 2 | 19 | 1 | 1 | 2 | 2 | 3 | 1 | 0 | 0 | 1 | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 1,611 | 1,572 | 1,561 | 1,564 | 1,519 | 1,456 | 1,398 | 1,366 | 1,318 | 1,278 | 1,257 | 1,207 | ||||||
| Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | - | -16 | ||||||
Assets | ||||||||||||||||||
| Assets | 2,335 | 2,298 | 2,239 | 2,297 | 2,287 | 2,257 | 2,198 | 2,151 | 2,039 | 2,012 | 1,836 | 1,828 | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -22 | -21 | -21 | -20 | -19 | -18 | -18 | -18 | -17 | -17 | -16 | -16 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 1,589 | 1,552 | 1,541 | 1,544 | 1,500 | 1,438 | 1,380 | 1,348 | 1,301 | 1,261 | 1,241 | 1,191 | ||||||
| Property Plant And Equipment Net | 26 | 27 | 27 | 28 | 28 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | ||||||
| Operating Lease Right Of Use Asset | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | ||||||
| Bank Owned Life Insurance | 23 | 22 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 22 | 23 | 23 | ||||||
| Goodwill | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | ||||||
| Deferred Income Tax Assets Net | 8 | 8 | 8 | 8 | 10 | 10 | 11 | 9 | 12 | 12 | 12 | 15 | ||||||
| Other Assets | 16 | 16 | 16 | 12 | 12 | 13 | 17 | 12 | 13 | 13 | 13 | 13 | ||||||
Liabilities | ||||||||||||||||||
| Noninterest Bearing Deposit Liabilities Domestic | 341 | 332 | 310 | 312 | 294 | 299 | 290 | 303 | 283 | 292 | 273 | 295 | ||||||
Deposits | ||||||||||||||||||
| Deposits | 1,925 | 1,890 | 1,836 | 1,903 | 1,893 | 1,868 | 1,816 | 1,723 | 1,586 | 1,559 | 1,538 | 1,567 | ||||||
| Interest Bearing Deposit Liabilities Domestic | 1,355 | 1,319 | 1,301 | 1,305 | 1,280 | 1,257 | 1,209 | 1,177 | 1,120 | 1,096 | 1,132 | 1,162 | ||||||
| Time Deposits | 229 | 239 | 224 | 286 | 320 | 312 | 316 | 243 | 184 | 172 | 132 | 110 | ||||||
| Notes Payable | - | - | - | - | - | - | - | - | - | - | 20 | 20 | ||||||
| Advances From Federal Home Loan Banks | 200 | 200 | - | - | - | - | - | - | - | - | - | - | ||||||
| Subordinated Debt | 11 | 11 | - | - | - | - | - | - | - | - | - | - | ||||||
| Operating Lease Liability | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | ||||||
| Other Liabilities | 12 | 14 | 13 | 13 | 12 | 15 | 14 | 14 | 12 | 14 | 11 | 11 | ||||||
| Liabilities | 2,151 | 2,119 | 2,064 | 2,131 | 2,129 | 2,106 | 2,053 | 2,001 | 1,902 | 1,877 | 1,704 | 1,713 | ||||||
| Common Stock Value | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | ||||||
| Additional Paid In Capital Common Stock | 44 | 44 | 44 | 44 | 44 | 44 | 44 | 44 | 44 | 43 | 44 | 44 | ||||||
Stockholders Equity | ||||||||||||||||||
| Retained Earnings Accumulated Deficit | 165 | 160 | 155 | 150 | 146 | 142 | 139 | 140 | 138 | 136 | 134 | 132 | ||||||
| Stockholders Equity | 184 | 179 | 175 | 166 | 157 | 151 | 145 | 150 | 137 | 134 | 132 | 115 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -23 | -23 | -22 | -26 | -31 | -32 | -36 | -31 | -41 | -41 | -41 | -56 | ||||||
| Treasury Stock Value | -7 | -6 | -7 | -7 | -7 | -7 | -8 | -8 | -8 | -9 | -9 | -10 | ||||||
| Liabilities And Stockholders Equity | 2,335 | 2,298 | 2,239 | 2,297 | 2,287 | 2,257 | 2,198 | 2,151 | 2,039 | 2,012 | 1,836 | 1,828 | ||||||
| Common Stock Par Or Stated Value Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||
| Common Stock Shares Authorized | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | ||||||
| Common Stock Shares Issued | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | ||||||
| Shares Outstanding | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | ||||||
| Preferred Stock No Par Value | 0 | 0 | - | 0 | 0 | 0 | - | - | - | - | - | - | ||||||
| Preferred Stock Shares Authorized | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | ||||||
| Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialFRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) — SEC Financial Statements & Analysis
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) is a state commercial banks company, incorporated in PA. FRANKLIN FINANCIAL SERVICES CORP /PA/ trades on Nasdaq as: FRAF. FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10. Based on that filing, FRANKLIN FINANCIAL SERVICES CORP /PA/ carries a market cap of $279.74M, a P/E ratio of 11.35x, a P/B ratio of 1.52x, a P/S ratio of 2.42x, an enterprise value of $84.71M, and an EV/EBITDA multiple of 2.49x. On profitability, it posts a gross margin of 64.70%, an operating margin of 26.59%, a net margin of 21.35%, a Return on Equity (ROE) of 14.45%, and a Return on Invested Capital (ROIC) of 33.52%. Per share, it reports EPS of $5.48, diluted EPS of $5.47, free cash flow per share of $9.41, and a dividend per share of $1.33. Over the trailing year, it posted revenue growth of 6.31% year-over-year, net income growth of 69.55% year-over-year, and EPS growth of 68.34% year-over-year. On the balance sheet, it maintains an interest coverage ratio of 27.46x, free cash flow of $42.27M (TTM), and net debt of $-195.03M. Figures sourced from SEC EDGAR.
- Market Cap
- $279.74M
- P/E TTM
- 11.35x
- EPS TTM
- $5.48
- P/B TTM
- 1.52x
- ROE TTM
- 14.45%
- Free Cash Flow TTM
- $42.27M
- Net Revenue TTM Growth 1Y
- 6.31%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is FRANKLIN FINANCIAL SERVICES CORP /PA/ in?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) operates in the State Commercial Banks industry.
What exchange does FRAF trade on?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) trades on the Nasdaq.
Where is FRANKLIN FINANCIAL SERVICES CORP /PA/ incorporated?
FRANKLIN FINANCIAL SERVICES CORP /PA/ is incorporated in PA.
When was FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s most recent SEC filing?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10.
What is FRAF's market cap?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) has a market capitalization of $279.74M as of 2026-06-30.
What is FRAF's P/E ratio?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s trailing twelve month P/E ratio is 11.35x as of 2026-06-30.
What is FRAF's EPS (earnings per share)?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s trailing twelve month EPS is $5.48 as of 2026-06-30.
What is FRAF's ROE (return on equity)?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s trailing twelve month Return on Equity (ROE) is 14.45% as of 2026-06-30.
What is FRAF's ROIC (return on invested capital)?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s trailing twelve month Return on Invested Capital (ROIC) is 33.52% as of 2023-12-31.
What is FRAF's EV/EBITDA?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s trailing twelve month EV/EBITDA is 2.49x as of 2026-06-30.