Franklin Financial Services Corporation (FRAF)

FRAF Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	23.94	21.23	11.1	13.6	14.94	19.62
Depreciation & Amortization	2.44	2.43	5.06	4.48	5.61	2.34
Provision for Credit Losses	2.34	2.9	1.98	2.72	0.65	-2.1
Stock-Based Compensation	0.78	0.82	0.63	0.48	0.46	0.2
Net Change in Loans Held-for-Sale	64.3	-0.68	-2.26	0.07	2.54	6.62
Other Adjustments	-0.74	-2.07	3.09	1.83	0.91	-2.58
Changes in Other Operating Activities	-2.03	0.82	2.15	3.38	0.12	2.25
Operating Cash Flow	40.71	25.44	21.76	26.57	25.24	26.35
Operating Cash Flow Growth	74.93%	16.95%	-18.11%	5.23%	-4.19%	309.46%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	0.5	0.5	4.73	7.75	-3.48	2.25
Net Change in Loans Held-for-Investment	-132.69	-179.18	-141.65	-205.94	-48.87	12.55
Net Change in Securities and Investments	68.73	72.53	-45.44	20.43	-26.81	-144.37
Capital Expenditures	-0.74	-0.87	-2.57	-0.5	-12.22	-8.81
Sale of Property, Plant & Equipment	0.83	-	-	-	-	-
Other Investing Activities	1.31	-	0.56	-	-3.68	4.44
Investing Cash Flow	-62.07	-107.02	-184.37	-178.27	-95.06	-133.94

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Deposits	22.13	20.13	277.67	-13.47	-32.91	229.79
Long-Term Debt Issued	-	-	70	130	-	-
Long-Term Debt Repaid	-	-9	-	-	-	-
Net Long-Term Debt Issued (Repaid)	-	-9	70	130	-	-
Issuance of Common Stock	1.31	1.51	1.87	1.4	1.46	2.52
Repurchase of Common Stock	-1.37	-1.1	-0.83	-2.39	-3.33	-1.19
Net Common Stock Issued (Repurchased)	-0.05	0.41	1.04	-0.99	-1.87	1.33
Common Dividends Paid	-5.91	-5.85	-5.63	-5.6	-5.66	-5.52
Financing Cash Flow	7.17	5.69	343.08	109.94	-40.44	225.59

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-14.18	-75.89	180.47	-41.76	-110.25	118

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	39.98	24.58	19.19	26.07	13.03	17.54
Free Cash Flow Growth	87.50%	28.08%	-26.39%	100.11%	-25.74%	194.77%
FCF Margin	44.32%	28.60%	27.72%	39.64%	19.49%	26.47%
Free Cash Flow Per Share	8.93	5.49	4.35	5.95	2.93	3.95

SEC Filings: 10-K · 10-Q

Data Source: Fiscal.ai Last updated: Jul 24, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 29, 2026

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