Franklin Financial Services Corporation (FRAF)
NASDAQ: FRAF · Real-Time Price · USD
71.11
+0.80 (1.13%)
At close: Oct 30, 2026, 4:00 PM EDT
71.04
-0.06 (-0.09%)
After-hours: Oct 30, 2026, 7:30 PM EDT
FRAF Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 & Equivalents | 183.6 | 121.22 | 198.41 | 23.14 | 64.9 | 175.15 |
Investment Securities | 466.22 | 214.06 | 222.36 | 242.56 | 284.34 | 332.43 |
Trading Asset Securities | - | 0.12 | 2.28 | - | - | - |
Mortgage-Backed Securities | - | 241.53 | 287.91 | 236.6 | 216.89 | 208.36 |
Total Investments | 466.22 | 455.71 | 512.54 | 479.16 | 501.22 | 540.78 |
Gross Loans | 1,624 | 1,561 | 1,398 | 1,257 | 1,051 | 998.81 |
Allowance for Loan Losses | -21.42 | -20.66 | -17.65 | -16.05 | -14.18 | -15.07 |
Net Loans | 1,603 | 1,541 | 1,380 | 1,241 | 1,037 | 983.75 |
Property, Plant & Equipment | - | 30.8 | 33.15 | 33.22 | 36.04 | 23.95 |
Goodwill | - | 9.02 | 9.02 | 9.02 | 9.02 | 9.02 |
Loans Held for Sale | 0.34 | 18.93 | 2.47 | 0.21 | 0.28 | 2.83 |
Restricted Cash | - | 6.5 | 5.2 | - | - | - |
Other Current Assets | - | 0.8 | - | - | - | - |
Long-Term Deferred Tax Assets | - | 7.88 | 10.83 | 11.8 | 15.63 | 3.31 |
Other Long-Term Assets | 111.54 | 38.72 | 45.8 | 38.55 | 35.63 | 35.02 |
Total Assets | 2,365 | 2,239 | 2,198 | 1,836 | 1,700 | 1,774 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Interest Bearing Deposits | 1,577 | 1,470 | 1,448 | 1,221 | 1,243 | 1,271 |
Institutional Deposits | - | 55.9 | 77.4 | 44.4 | 8.8 | 15.2 |
Non-Interest Bearing Deposits | 380.47 | 310.25 | 290.35 | 273.05 | 299.23 | 298.4 |
Total Deposits | 1,957 | 1,836 | 1,816 | 1,538 | 1,551 | 1,584 |
Short-Term Borrowings | 200 | 200 | 200 | 130 | 0 | 0.02 |
Current Portion of Leases | - | 0.6 | - | - | - | - |
Long-Term Debt | 10.86 | 10.85 | 19.7 | 19.66 | 19.62 | 19.59 |
Long-Term Leases | - | 3.24 | 4.26 | 4.82 | 6.14 | 4.86 |
Other Long-Term Liabilities | 18.75 | 13.32 | 13.52 | 11.45 | 8.16 | 7.92 |
Total Liabilities | 2,187 | 2,064 | 2,053 | 1,704 | 1,585 | 1,617 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Common Stock | 4.71 | 4.71 | 4.71 | 4.71 | 4.71 | 4.71 |
Additional Paid-In Capital | 44.3 | 43.93 | 43.79 | 43.65 | 43.54 | 43.09 |
Retained Earnings | 172.09 | 154.84 | 139.46 | 133.99 | 125.89 | 116.61 |
Treasury Stock | -6.55 | -6.66 | -7.74 | -9.27 | -8.65 | -6.8 |
Comprehensive Income & Other | -36.84 | -21.59 | -35.51 | -40.94 | -51.29 | -0.55 |
Shareholders' Equity | 177.71 | 175.24 | 144.72 | 132.14 | 114.2 | 157.07 |
Total Liabilities & Equity | 2,365 | 2,239 | 2,198 | 1,836 | 1,700 | 1,774 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Total Debt | 210.86 | 214.69 | 223.96 | 154.48 | 25.77 | 24.47 |
Net Cash (Debt) | -26.51 | -92.34 | -21.78 | -125.11 | 53.1 | 161.18 |
Net Cash Growth | - | - | - | - | -67.05% | 258.49% |
Net Cash Per Share | -5.90 | -20.63 | -4.93 | -28.56 | 11.95 | 36.30 |
Filing Date Shares Outstanding | 4.5 | 4.48 | 4.44 | 4.38 | 4.4 | 4.45 |
Total Common Shares Outstanding | 4.5 | 4.48 | 4.43 | 4.37 | 4.39 | 4.44 |
Book Value Per Share | 39.48 | 39.11 | 32.69 | 30.23 | 26.01 | 35.36 |
Tangible Book Value | 177.71 | 166.23 | 135.7 | 123.12 | 105.18 | 148.05 |
Tangible Book Value Per Share | 39.48 | 37.09 | 30.65 | 28.17 | 23.96 | 33.33 |