Franklin Financial Services Corporation (FRAF)

FRAF Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	57.51	53.64	51.59	44.67	41.96
Net Interest Income Growth	7.23%	3.98%	15.48%	6.46%	-0.38%
Non-Interest Income	13.68	14.85	15.25	19.49	15.08
Non-Interest Income Growth	-7.89%	-2.62%	-21.75%	29.20%	-2.20%
Revenues Before Loan Losses	71.19	68.49	66.84	64.16	57.05
Provision for Credit Losses	1.98	2.59	0.65	-2.1	4.63
Revenue	69.22	65.9	66.19	66.26	52.42
Revenue Growth (YoY)	5.04%	-0.43%	-0.11%	26.40%	-8.53%
Compensation Expenses	32.7	28.7	28.66	25.6	22.74
Selling, General & Admin	11.56	10.8	10.69	9.28	8.52
Other Non-Interest Expenses	11.63	10.51	9.34	8.36	8.1
Total Non-Interest Expense	55.9	50.01	48.69	43.25	39.36
Pretax Income	13.32	15.75	17.5	23.01	13.06
Provision for Income Taxes	2.22	2.16	2.56	3.4	0.26
Net Income	11.1	13.6	14.94	19.62	12.8
Net Income to Common	11.1	13.6	14.94	19.62	12.8
Net Income Growth	-18.38%	-8.97%	-23.85%	53.25%	-20.57%
Shares Outstanding (Basic)	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	4	4	4
Shares Change (YoY)	0.75%	-1.44%	0.11%	1.70%	-0.68%
EPS (Basic)	2.52	3.11	3.38	4.44	2.94
EPS (Diluted)	2.51	3.10	3.36	4.42	2.93
EPS Growth	-19.03%	-7.74%	-23.98%	50.85%	-20.16%
Free Cash Flow	19.19	26.07	13.03	17.54	5.95
Free Cash Flow Growth	-26.39%	100.11%	-25.74%	194.77%	-65.63%
Free Cash Flow Per Share	4.35	5.95	2.93	3.95	1.36
Dividends Per Share	1.280	1.280	1.280	1.250	1.200
Dividend Growth	-	-	2.40%	4.17%	2.56%
Profit Margin	16.04%	20.68%	22.57%	29.61%	24.42%
FCF Margin	27.72%	39.64%	19.68%	26.47%	11.35%
EBITDA	5.1	4.52	5.65	2.37	4.87
EBITDA Margin	7.36%	6.87%	8.54%	3.58%	9.29%
Effective Tax Rate	16.64%	13.68%	14.62%	14.76%	1.98%

Updated Jul 22, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q