Franklin Financial Services Corporation (FRAF)

NASDAQ: FRAF · Real-Time Price · USD

63.28

+0.51 (0.81%)

Sep 10, 2026, 4:00 PM EDT - Market closed

FRAF Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Revenue	91.35	85.92	69.21	65.76	66.19	65.96
Revenue Growth	21.80%	24.15%	5.24%	-0.64%	0.34%	25.84%
Net Income	24.65	21.23	11.1	13.6	14.94	19.62
Earnings Per Share	5.48	4.74	2.51	3.10	3.36	4.42
EPS Growth	66.60%	88.84%	-19.03%	-7.74%	-23.98%	50.85%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Community Banking	73.08	68.03	56.57	51.96
Wealth	9.41	9.17	8.54	7.51
Unallocated Other	-	10.01	5.14	7.34
Total	92.63	87.2	70.25	66.81

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Investments	26.88	122.34	202.19	29.37	78.87	185.64
Total Debt	215.11	214.69	223.96	154.48	25.77	24.47
Net Cash (Debt)	-188.23	-92.34	-21.78	-125.11	53.1	161.18
Net Cash Growth	-	-	-	-	-67.05%	258.49%
Net Cash Per Share	-41.87	-20.63	-4.93	-28.56	11.95	36.30

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Operating Cash Flow	42.27	25.44	21.76	26.57	25.24	26.35
Capital Expenditures	-1.25	-0.87	-2.57	-0.5	-12.22	-8.81
Free Cash Flow	41.02	24.58	19.19	26.07	13.03	17.54
Free Cash Flow Growth	67.89%	28.08%	-26.39%	100.11%	-25.74%	194.77%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Profit Margin	26.98%	24.70%	16.04%	20.68%	22.57%	29.74%
FCF Margin	44.90%	28.60%	27.72%	39.64%	19.68%	26.59%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 11, 2026	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
Dividend Per Share	1.360	1.310	1.280	1.280	1.280	1.250
Dividend Per Share Growth	3.08%	2.34%	0%	0%	2.40%	4.17%
Dividend Yield	2.15%	2.66%	4.51%	4.44%	4.05%	4.49%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 11, 2026	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
PE Ratio	11.55	10.59	11.90	10.12	10.60	7.48
P/FCF Ratio	6.94	9.15	6.88	5.28	12.16	8.36
PS Ratio	3.12	2.62	1.91	2.09	2.39	2.22