Franklin Financial Services Corporation (FRAF)

NASDAQ: FRAF · Real-Time Price · USD

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48.10

+1.11 (2.37%)

At close: Feb 6, 2026, 4:00 PM EST

48.06

-0.04 (-0.09%)

After-hours: Feb 6, 2026, 5:37 PM EST

FRAF Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	114.37	74	58.28	41.93	37.99
Interest Income on Investments	-	27.46	18.49	14.52	9.58
Total Interest Income	114.37	101.45	76.76	56.45	47.57
Interest Paid on Deposits	44.73	30.91	18.84	3.82	1.85
Interest Paid on Borrowings	-	13.03	4.28	1.05	1.05
Total Interest Expense	44.73	43.94	23.13	4.86	2.9
Net Interest Income	69.65	57.51	53.64	51.59	44.67
Net Interest Income Growth (YoY)	21.09%	7.23%	3.98%	15.48%	6.46%
Trust Income	-	8.54	7.51	7.15	7.11
Gain (Loss) on Sale of Assets	-	-	-	-	1.78
Gain (Loss) on Sale of Investments	-	-4.06	-1.1	-0.16	0.22
Other Non-Interest Income	19.18	6.19	5.75	4.96	5.4
Total Non-Interest Income	19.18	13.68	14.85	15.25	19.19
Non-Interest Income Growth (YoY)	40.19%	-7.89%	-2.62%	-20.54%	27.24%
Revenues Before Loan Losses	88.82	71.19	68.49	66.84	63.86
Provision for Loan Losses	2.9	1.98	2.72	0.65	-2.1
Revenue	85.92	69.21	65.76	66.19	65.96
Revenue Growth (YoY)	24.15%	5.24%	-0.64%	0.34%	25.84%
Salaries and Employee Benefits	-	32.07	28.21	28.2	25.4
Occupancy Expenses	-	3.66	3.42	2.86	2.57
Federal Deposit Insurance	-	1.71	0.85	0.74	0.74
Selling, General & Administrative	-	11.82	11.03	10.94	9.19
Other Non-Interest Expense	59.66	6.64	6.5	5.96	5.35
Total Non-Interest Expense	59.66	55.9	50.01	48.69	43.25
EBT Excluding Unusual Items	26.27	13.32	15.75	17.5	22.72
Pretax Income	26.27	13.32	15.75	17.5	23.01
Income Tax Expense	5.04	2.22	2.16	2.56	3.4
Net Income	21.23	11.1	13.6	14.94	19.62
Net Income to Common	21.23	11.1	13.6	14.94	19.62
Net Income Growth	91.24%	-18.38%	-8.97%	-23.85%	53.25%
Basic Shares Outstanding	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4
Shares Change (YoY)	1.45%	0.75%	-1.44%	0.11%	1.70%
EPS (Basic)	4.74	2.52	3.11	3.38	4.44
EPS (Diluted)	4.74	2.51	3.10	3.36	4.42
EPS Growth	88.84%	-19.03%	-7.74%	-23.98%	50.85%
Dividend Per Share	1.310	1.280	1.280	1.280	1.250
Dividend Growth	2.34%	-	-	2.40%	4.17%
Effective Tax Rate	19.19%	16.64%	13.68%	14.62%	14.77%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q