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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	80	74	58.28	41.93	37.99	39.19
Interest Income on Investments	28.56	27.46	18.49	14.52	9.58	6.75
Total Interest Income	108.57	101.45	76.76	56.45	47.57	45.94
Interest Paid on Deposits	35.33	30.91	18.84	3.82	1.85	3.55
Interest Paid on Borrowings	10.64	13.03	4.28	1.05	1.05	0.43
Total Interest Expense	45.98	43.94	23.13	4.86	2.9	3.98
Net Interest Income	62.59	57.51	53.64	51.59	44.67	41.96
Net Interest Income Growth (YoY)	13.04%	7.23%	3.98%	15.48%	6.46%	-0.38%
Trust Income	8.9	8.54	7.51	7.15	7.11	6.04
Gain (Loss) on Sale of Assets	-	-	-	-	1.78	-
Gain (Loss) on Sale of Investments	-3.99	-4.06	-1.1	-0.16	0.22	-0.02
Other Non-Interest Income	6.78	6.19	5.75	4.96	5.4	5.55
Total Non-Interest Income	14.81	13.68	14.85	15.25	19.19	15.08
Non-Interest Income Growth (YoY)	-11.00%	-7.89%	-2.62%	-20.54%	27.24%	-2.20%
Revenues Before Loan Losses	77.4	71.19	68.49	66.84	63.86	57.05
Provision for Loan Losses	2.4	1.98	2.72	0.65	-2.1	4.63
Revenue	75	69.21	65.76	66.19	65.96	52.42
Revenue Growth (YoY)	8.15%	5.24%	-0.64%	0.34%	25.84%	-8.53%
Salaries and Employee Benefits	33.19	32.07	28.21	28.2	25.4	22.55
Occupancy Expenses	3.73	3.66	3.42	2.86	2.57	2.68
Federal Deposit Insurance	1.93	1.71	0.85	0.74	0.74	0.46
Selling, General & Administrative	11.84	11.82	11.03	10.94	9.19	8.3
Other Non-Interest Expense	6.53	6.64	6.5	5.96	5.35	5.38
Total Non-Interest Expense	57.22	55.9	50.01	48.69	43.25	39.36
EBT Excluding Unusual Items	17.78	13.32	15.75	17.5	22.72	13.06
Pretax Income	17.78	13.32	15.75	17.5	23.01	13.06
Income Tax Expense	3.25	2.22	2.16	2.56	3.4	0.26
Net Income	14.53	11.1	13.6	14.94	19.62	12.8
Net Income to Common	14.53	11.1	13.6	14.94	19.62	12.8
Net Income Growth	5.90%	-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)	-0.19%	0.75%	-1.44%	0.11%	1.70%	-0.68%
EPS (Basic)	3.31	2.52	3.11	3.38	4.44	2.94
EPS (Diluted)	3.29	2.51	3.10	3.36	4.42	2.93
EPS Growth	5.82%	-19.03%	-7.74%	-23.98%	50.85%	-20.16%
Dividend Per Share	1.290	1.280	1.280	1.280	1.250	1.200
Dividend Growth	0.78%	-	-	2.40%	4.17%	2.56%
Effective Tax Rate	18.26%	16.64%	13.68%	14.62%	14.77%	1.98%

Updated Aug 14, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q