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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	24.65	21.23	11.1	13.6	14.94	19.62
Depreciation & Amortization	2.1	2.15	2.09	2.02	1.44	1.2
Other Amortization	0.14	0.15	0.04	0.04	0.04	0.03
Gain (Loss) on Sale of Assets	-0.03	-	-	-	-	-1.73
Gain (Loss) on Sale of Investments	-	0.01	4.06	1.1	0.14	-0.24
Provision for Credit Losses	3.35	2.9	1.98	2.72	0.65	-2.1
Net Decrease (Increase) in Loans Originated / Sold - Operating	15.44	-0.01	-1.69	0.27	3.31	9.05
Change in Other Net Operating Assets	-1.46	0.35	1.69	2.93	-0.31	1.81
Other Operating Activities	-2.1	-1.75	-0.55	1.14	1.17	-0.21
Operating Cash Flow	42.27	25.44	21.76	26.57	25.24	26.35
Operating Cash Flow Growth	62.69%	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-1.25	-0.87	-2.57	-0.5	-12.22	-8.81
Investment in Securities	36.72	73.15	-34.31	29.9	-30.14	-142.09
Net Decrease (Increase) in Loans Originated / Sold - Investing	-108.45	-179.18	-141.65	-205.94	-52.55	12.55
Other Investing Activities	1.22	-0.12	-5.84	-1.73	-0.15	4.42
Investing Cash Flow	-70.94	-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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	-	200	130	-	-
Total Debt Issued	-	-	200	130	-	-
Long-Term Debt Repaid	-	-9	-130	-	-	-
Total Debt Repaid	-9	-9	-130	-	-	-
Net Debt Issued (Repaid)	-9	-9	70	130	-	-
Issuance of Common Stock	1.18	1.51	1.87	1.4	1.46	2.52
Repurchase of Common Stock	-1.42	-1.1	-0.83	-2.39	-3.33	-1.19
Common Dividends Paid	-5.96	-5.85	-5.63	-5.6	-5.66	-5.52
Net Increase (Decrease) in Deposit Accounts	31.12	20.13	277.67	-13.47	-32.91	229.79
Financing Cash Flow	15.91	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-12.76	-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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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%
Free Cash Flow Margin	44.90%	28.60%	27.72%	39.64%	19.68%	26.59%
Free Cash Flow Per Share	9.13	5.49	4.35	5.95	2.93	3.95

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	41.56	45.56	43.11	19.46	4.75	3
Cash Income Tax Paid	6.33	5.35	1.86	1.34	0.09	3.05

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 9, 2026

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