Franklin Financial Services Corporation (FRAF)

FRAF Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	83.85	74	58.28	41.93	37.99	39.19
Interest Income on Investments	28.35	27.46	18.49	14.52	9.58	6.75
Total Interest Income	112.19	101.45	76.76	56.45	47.57	45.94
Interest Paid on Deposits	35.94	30.91	18.84	3.82	1.85	3.55
Interest Paid on Borrowings	10.12	13.03	4.28	1.05	1.05	0.43
Total Interest Expense	46.06	43.94	23.13	4.86	2.9	3.98
Net Interest Income	66.13	57.51	53.64	51.59	44.67	41.96
Net Interest Income Growth (YoY)	17.43%	7.23%	3.98%	15.48%	6.46%	-0.38%
Trust Income	9.07	8.54	7.51	7.15	7.11	6.04
Gain (Loss) on Sale of Assets	-	-	-	-	1.78	-
Gain (Loss) on Sale of Investments	-4.29	-4.06	-1.1	-0.16	0.22	-0.02
Other Non-Interest Income	6.86	6.19	5.75	4.96	5.4	5.55
Total Non-Interest Income	14.76	13.68	14.85	15.25	19.19	15.08
Non-Interest Income Growth (YoY)	-15.53%	-7.89%	-2.62%	-20.54%	27.24%	-2.20%
Revenues Before Loan Losses	80.89	71.19	68.49	66.84	63.86	57.05
Provision for Loan Losses	3.11	1.98	2.72	0.65	-2.1	4.63
Revenue	77.78	69.21	65.76	66.19	65.96	52.42
Revenue Growth (YoY)	8.75%	5.24%	-0.64%	0.34%	25.84%	-8.53%
Salaries and Employee Benefits	34.28	32.07	28.21	28.2	25.4	22.55
Occupancy Expenses	3.81	3.66	3.42	2.86	2.57	2.68
Federal Deposit Insurance	1.88	1.71	0.85	0.74	0.74	0.46
Selling, General & Administrative	12.07	11.82	11.03	10.94	9.19	8.3
Other Non-Interest Expense	6.41	6.64	6.5	5.96	5.35	5.38
Total Non-Interest Expense	58.45	55.9	50.01	48.69	43.25	39.36
EBT Excluding Unusual Items	19.34	13.32	15.75	17.5	22.72	13.06
Pretax Income	19.34	13.32	15.75	17.5	23.01	13.06
Income Tax Expense	3.67	2.22	2.16	2.56	3.4	0.26
Net Income	15.67	11.1	13.6	14.94	19.62	12.8
Net Income to Common	15.67	11.1	13.6	14.94	19.62	12.8
Net Income Growth	11.27%	-18.38%	-8.97%	-23.85%	53.25%	-20.57%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change (YoY)	1.81%	0.75%	-1.44%	0.11%	1.70%	-0.68%
EPS (Basic)	3.52	2.52	3.11	3.38	4.44	2.94
EPS (Diluted)	3.50	2.51	3.10	3.36	4.42	2.93
EPS Growth	9.43%	-19.03%	-7.74%	-23.98%	50.85%	-20.16%
Dividend Per Share	1.300	1.280	1.280	1.280	1.250	1.200
Dividend Growth	1.56%	-	-	2.40%	4.17%	2.56%
Effective Tax Rate	18.95%	16.64%	13.68%	14.62%	14.77%	1.98%

Updated Oct 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q