FRANKLIN FINANCIAL SERVICES CORP /PA/
FRANKLIN FINANCIAL SERVICES CORP /PA/
Subscribe to unlock 17+ years of financial data
Subscribe to unlock 17+ years of data
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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 Dis… | 3 | 2 | 19 | 1 | 1 | 2 | 2 | 3 | 1 | 0 | 0 | 1 | |||||
Loans And Leases Receivable Gross Carrying Amount | - | - | - | - | - | - | - | - | - | - | - | 1,207 | |||||
Financing Receivable Excluding Accrued Interest Be… | - | 1,572 | 1,561 | 1,564 | 1,519 | 1,456 | 1,398 | 1,366 | 1,318 | 1,278 | 1,257 | - | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | -21 | -21 | -20 | -19 | -18 | -18 | -18 | -17 | -17 | -16 | -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 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | - | -16 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | - | 1,191 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 1,552 | 1,541 | 1,544 | 1,500 | 1,438 | 1,380 | 1,348 | 1,301 | 1,261 | 1,241 | - | |||||
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… | -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 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
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 | |||||
Subscribe to unlock 17+ years of financial data, unlimited metrics, and saved tables
Subscribe to unlock 17+ years of data, unlimited metrics, and saved tables
Custom Table
Subscribe to unlock 17+ years of financial data, unlimited metrics, transformations, and saved visuals
Subscribe to unlock 17+ years of data, unlimited metrics, transformations, and saved visuals
Interactive Financial Visualizations
Subscribe to unlock 17+ years of financial data
Subscribe to unlock 17+ years of data
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.95% | 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% |
Earnings Market Reaction data beyond 3 years is for subscribers only. Unlock the full earnings market reaction history Start 7-day free trial | ||||||||||||
Subscribe to unlock 17+ years of financial data and 90+ calculated metrics
Subscribe to unlock 17+ years of data and 90+ calculated metrics
Performance and Valuation Metrics
Rows marked with a lock icon are subscribers only — subscribe to unlock 90+ calculated metrics and 17+ years of history.
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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | |||||||||||||||||
Subscribe to unlock 17+ years of financial data
Subscribe to unlock 17+ years of data
Insider Transactions
Subscribe to unlock 17+ years of financial data
Subscribe to unlock 17+ years of data
Institutional Ownership
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.