Franklin Financial Services Corporation (FRAF)

FRAF Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	11.1	13.6	14.94	19.62
Depreciation & Amortization	2.09	2.02	1.44	1.2
Other Amortization	0.04	0.04	0.04	0.03
Gain (Loss) on Sale of Assets	-	-	-	-1.73
Gain (Loss) on Sale of Investments	4.06	1.1	0.14	-0.24
Provision for Credit Losses	1.98	2.72	0.65	-2.1
Net Decrease (Increase) in Loans Originated / Sold - Operating	-1.69	0.27	3.31	9.05
Change in Other Net Operating Assets	1.69	2.93	-0.31	1.81
Other Operating Activities	-0.55	1.14	1.17	-0.21
Operating Cash Flow	21.76	26.57	25.24	26.35
Operating Cash Flow Growth	-18.11%	5.23%	-4.19%	309.46%
Capital Expenditures	-2.57	-0.5	-12.22	-8.81
Investment in Securities	-34.31	29.9	-30.14	-142.09
Net Decrease (Increase) in Loans Originated / Sold - Investing	-141.65	-205.94	-52.55	12.55
Other Investing Activities	-5.84	-1.73	-0.15	4.42
Investing Cash Flow	-184.37	-178.27	-95.06	-133.94
Long-Term Debt Issued	200	130	-	-
Total Debt Issued	200	130	-	-
Long-Term Debt Repaid	-130	-	-	-
Total Debt Repaid	-130	-	-	-
Net Debt Issued (Repaid)	70	130	-	-
Issuance of Common Stock	1.87	1.4	1.46	2.52
Repurchase of Common Stock	-0.83	-2.39	-3.33	-1.19
Common Dividends Paid	-5.63	-5.6	-5.66	-5.52
Net Increase (Decrease) in Deposit Accounts	277.67	-13.47	-32.91	229.79
Financing Cash Flow	343.08	109.94	-40.44	225.59
Net Cash Flow	180.47	-41.76	-110.25	118
Free Cash Flow	19.19	26.07	13.03	17.54
Free Cash Flow Growth	-26.39%	100.11%	-25.74%	194.77%
Free Cash Flow Margin	27.72%	39.64%	19.68%	26.59%
Free Cash Flow Per Share	4.35	5.95	2.93	3.95
Cash Interest Paid	43.11	19.46	4.75	3
Cash Income Tax Paid	1.86	1.34	0.09	3.05

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

SEC Filings: 10-K · 10-Q