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FRANKLIN FINANCIAL SERVICES CORP /PA/

FRAF

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Financial Statements

Values in Millions ($)
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
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Subscriber-only column
Cash And Due From Banks
262422252723202620222020
Cash And Cash Equivalents At Carrying Value
1952111281882082252042361801832374
Available For Sale Securities Debt Securities
452436455469481495509466454463473458
Equity Securities Fv Ni
------010000
Federal Home Loan Bank Stock
99999999101022
Loans Receivable Held For Sale Net Not Part Of Dis…
3219112231001
Loans And Leases Receivable Gross Carrying Amount
-----------1,207
Financing Receivable Excluding Accrued Interest Be…
-1,5721,5611,5641,5191,4561,3981,3661,3181,2781,257-
Financing Receivable Allowance For Credit Loss Exc…
--21-21-20-19-18-18-18-17-17-16-16
Assets
Assets
2,3352,2982,2392,2972,2872,2572,1982,1512,0392,0121,8361,828
Loans And Leases Receivable Allowance
------------16
Loans And Leases Receivable Net Reported Amount
-----------1,191
Financing Receivable Excluding Accrued Interest Af…
-1,5521,5411,5441,5001,4381,3801,3481,3011,2611,241-
Property Plant And Equipment Net
262727282829292929292929
Operating Lease Right Of Use Asset
444444444555
Bank Owned Life Insurance
232223232323232323222323
Goodwill
999999999999
Deferred Income Tax Assets Net
8888101011912121215
Other Assets
161616121213171213131313
Liabilities
Noninterest Bearing Deposit Liabilities Domestic
341332310312294299290303283292273295
Deposits
Deposits
1,9251,8901,8361,9031,8931,8681,8161,7231,5861,5591,5381,567
Interest Bearing Deposit Liabilities Domestic
1,3551,3191,3011,3051,2801,2571,2091,1771,1201,0961,1321,162
Time Deposits
229239224286320312316243184172132110
Notes Payable
----------2020
Advances From Federal Home Loan Banks
200200----------
Subordinated Debt
1111----------
Operating Lease Liability
444444445555
Other Liabilities
121413131215141412141111
Liabilities
2,1512,1192,0642,1312,1292,1062,0532,0011,9021,8771,7041,713
Common Stock Value
555555555555
Additional Paid In Capital Common Stock
444444444444444444434444
Stockholders Equity
Retained Earnings Accumulated Deficit
165160155150146142139140138136134132
Stockholders Equity
184179175166157151145150137134132115
Accumulated Other Comprehensive Income Loss Net Of…
-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
2,3352,2982,2392,2972,2872,2572,1982,1512,0392,0121,8361,828
Common Stock Par Or Stated Value Per Share
111111111111
Common Stock Shares Authorized
151515151515151515151515
Common Stock Shares Issued
555555555555
Shares Outstanding
444444444444
Preferred Stock No Par Value
00-000------
Preferred Stock Shares Authorized
555555555555
Preferred Stock Shares Issued
000000000000
Preferred Stock Shares Outstanding
000000000000
Treasury Stock Common Shares
000000000000

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
20264.95%13.69%12.87%---------
2025-7.23%-5.31%0.49%10.53%6.27%5.96%13.76%3.78%8.19%5.30%17.15%19.18%
2024-4.36%2.84%12.55%2.92%-1.46%-1.52%2.52%-11.61%5.17%-4.94%8.88%8.73%
2023-------1.28%-15.10%-3.08%-2.72%10.04%0.42%

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Performance and Valuation Metrics

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Metrics
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
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Leverage & Debt
Interest Coverage TTM
27.46
25.36
21.51
15.53
17.88
2.25
1.63
1.59
1.47
1.55
1.68
1.90
Efficiency & Turnover
Days Sales Outstanding TTM
-
-
-
-
-
-
-
-
-
-
-
5,620.23
Receivables Turnover TTM
-
-
-
-
-
-
-
-
-
-
-
0.06
Per Share Metrics
Diluted EPS TTM
5.47
5.34
4.74
3.48
3.25
2.62
2.51
3.18
3.01
3.12
3.10
3.17
Free Cash Flow Per Share TTM
9.41
9.10
5.70
5.92
5.82
5.25
4.94
5.32
5.03
5.97
6.07
6.46
Dividend Per Share TTM
1.33
1.32
1.31
1.29
1.28
1.27
1.28
1.27
1.23
1.28
1.28
1.29
Margin Metrics
Gross Profit Margin TTM
64.70%
63.05%
60.89%
58.95%
57.65%
56.89%
56.69%
49.17%
51.33%
53.93%
58.07%
75.22%
Operating Profit Margin TTM
26.59%
25.86%
22.97%
17.22%
16.36%
13.49%
13.12%
17.52%
18.16%
19.34%
20.52%
22.25%
Net Profit Margin TTM
21.35%
20.80%
18.56%
13.97%
13.39%
11.14%
10.94%
14.65%
15.21%
16.27%
17.71%
19.16%
Growth Metrics
Net Revenue Growth (1Y)
6.31%
9.92%
12.74%
16.73%
20.35%
24.66%
32.16%
33.03%
34.37%
36.57%
35.98%
40.05%
Net Income Growth (1Y)
69.55%
105.33%
91.24%
11.28%
5.91%
-14.69%
-18.38%
1.73%
-6.10%
-10.19%
-8.97%
-6.92%
EPS Growth (1Y)
68.34%
103.58%
88.67%
9.73%
8.14%
-15.80%
-18.92%
0.41%
-9.71%
-9.84%
-7.99%
-5.94%
Valuation Metrics
P/E TTM
11.35
9.44
10.36
12.80
10.27
12.93
11.27
8.88
8.75
7.74
9.27
8.10
P/B TTM
1.52
1.26
1.26
1.21
0.95
1.00
0.86
0.83
0.88
0.79
0.95
0.98
P/S TTM
2.42
1.96
1.92
1.79
1.38
1.44
1.23
1.30
1.33
1.26
1.64
1.55
Market Cap
279.74M
225.93M
219.95M
200.60M
149.34M
150.72M
125.08M
125.06M
120.03M
105.75M
126.01M
112.20M
Enterprise Value
84.71M
15.15M
92.22M
12.45M
-58.45M
-74.23M
-78.53M
-111.25M
-59.69M
-76.82M
122.53M
57.90M
Calculated Values
Free Cash Flow TTM
42.27M
40.71M
25.44M
26.48M
25.98M
23.27M
21.76M
23.46M
22.92M
26.15M
26.57M
28.14M
Net Debt
-195.03M
-210.78M
-127.72M
-188.14M
-207.79M
-224.96M
-203.61M
-236.32M
-179.73M
-182.57M
-3.48M
-54.30M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-27Purchase
Owner: Duffey, Gregory A
Title: -
Shares: 17
Price/Share: $58.88
Value: $1,000.96
Shares Owned: 23,845
Relationship: Director
Ownership: Direct
2026-05-26Sale
Owner: Butz, Steven D
Title: EVP, CCSO
Shares: 1,400
Price/Share: $57.73
Value: $80,822.00
Shares Owned: 5,610
Relationship: Officer
Ownership: Direct
2026-04-29Purchase
Owner: Duffey, Gregory A
Title: -
Shares: 18
Price/Share: $55.35
Value: $996.30
Shares Owned: 23,723
Relationship: Director
Ownership: Direct
2026-03-09Purchase
Owner: Snook, Gregory I
Title: -
Shares: 2,200
Price/Share: $48.18
Value: $105,996.00
Shares Owned: 9,288
Relationship: Director
Ownership: Direct
2026-02-25Purchase
Owner: Duffey, Gregory A
Title: -
Shares: 19
Price/Share: $52.33
Value: $994.27
Shares Owned: 23,259
Relationship: Director
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
33.60%
Inst. Shares: 1,503,356
Shares Outstanding: 4,474,000
2025-12-31
-
Inst. Shares: 17,688,954
Shares Outstanding: 4,463,000
2025-09-30
34.21%
Inst. Shares: 1,530,721
Shares Outstanding: 4,474,000
2025-06-30
33.48%
Inst. Shares: 1,493,613
Shares Outstanding: 4,461,000
2025-03-31
28.02%
Inst. Shares: 1,243,059
Shares Outstanding: 4,436,000

FRANKLIN 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FRANKLIN FINANCIAL SERVICES CORP /PA/ reported a 6.31% year-over-year revenue growth, a Gross Profit Margin of 64.70% (TTM), a Price-to-Sales (P/S) ratio of 2.42x (TTM), a Price-to-Book (P/B) ratio of 1.52x (TTM), at a market cap of $279.74M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
6.31%
Gross Profit Margin TTM
64.70%
P/S TTM
2.42x
P/B TTM
1.52x
Market Cap
$279.74M

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 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 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.

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