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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
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 Income on Loans | 92.67 | 87.23 | 74 | 58.28 | 41.93 | 37.99 |
Interest Income on Investments | 22.87 | 27.15 | 27.46 | 18.49 | 14.52 | 9.58 |
Total Interest Income | 115.54 | 114.37 | 101.45 | 76.76 | 56.45 | 47.57 |
Interest Paid on Deposits | 29.3 | 34.69 | 30.91 | 18.84 | 3.82 | 1.85 |
Interest Paid on Borrowings | 9.57 | 10.03 | 13.03 | 4.28 | 1.05 | 1.05 |
Total Interest Expense | 38.87 | 44.73 | 43.94 | 23.13 | 4.86 | 2.9 |
Net Interest Income | 76.67 | 69.65 | 57.51 | 53.64 | 51.59 | 44.67 |
Net Interest Income Growth | 15.93% | 21.09% | 7.23% | 3.98% | 15.48% | 6.46% |
Trust Income | 9.57 | 9.17 | 8.54 | 7.51 | 7.15 | 7.11 |
Gain (Loss) on Sale of Assets | - | - | - | - | - | 1.78 |
Gain (Loss) on Sale of Investments | - | -0.01 | -4.06 | -1.1 | -0.16 | 0.22 |
Other Non-Interest Income | 7.45 | 6.81 | 6.19 | 5.75 | 4.96 | 5.4 |
Total Non-Interest Income | 20.65 | 19.18 | 13.68 | 14.85 | 15.25 | 19.19 |
Non-Interest Income Growth | 39.86% | 40.19% | -7.89% | -2.62% | -20.54% | 27.24% |
Revenues Before Loan Losses | 97.32 | 88.82 | 71.19 | 68.49 | 66.84 | 63.86 |
Provision for Loan Losses | 2.73 | 2.9 | 1.98 | 2.72 | 0.65 | -2.1 |
| 94.59 | 85.92 | 69.21 | 65.76 | 66.19 | 65.96 | |
Revenue Growth | 21.61% | 24.15% | 5.24% | -0.64% | 0.34% | 25.84% |
Salaries and Employee Benefits | 34.18 | 34.57 | 32.07 | 28.21 | 28.2 | 25.4 |
Occupancy Expenses | 3.85 | 3.88 | 3.66 | 3.42 | 2.86 | 2.57 |
Federal Deposit Insurance | 1.88 | 1.98 | 1.71 | 0.85 | 0.74 | 0.74 |
Selling, General & Administrative | 12.77 | 12.56 | 11.82 | 11.03 | 10.94 | 9.19 |
Other Non-Interest Expense | 7.21 | 6.66 | 6.64 | 6.5 | 5.96 | 5.35 |
Total Non-Interest Expense | 59.9 | 59.66 | 55.9 | 50.01 | 48.69 | 43.25 |
EBT Excluding Unusual Items | 34.69 | 26.27 | 13.32 | 15.75 | 17.5 | 22.72 |
Pretax Income | 34.69 | 26.27 | 13.32 | 15.75 | 17.5 | 23.01 |
Income Tax Expense | 6.87 | 5.04 | 2.22 | 2.16 | 2.56 | 3.4 |
Net Income | 27.83 | 21.23 | 11.1 | 13.6 | 14.94 | 19.62 |
Net Income to Common | 27.83 | 21.23 | 11.1 | 13.6 | 14.94 | 19.62 |
Net Income Growth | 77.58% | 91.24% | -18.38% | -8.97% | -23.85% | 53.25% |
Basic Shares Outstanding | 4 | 4 | 4 | 4 | 4 | 4 |
Diluted Shares Outstanding | 4 | 4 | 4 | 4 | 4 | 4 |
Shares Change | 0.45% | 1.41% | 0.75% | -1.44% | 0.11% | 1.70% |
EPS (Basic) | 6.19 | 4.76 | 2.52 | 3.11 | 3.38 | 4.44 |
EPS (Diluted) | 6.19 | 4.74 | 2.51 | 3.10 | 3.36 | 4.42 |
EPS Growth | 76.81% | 88.84% | -19.03% | -7.74% | -23.98% | 50.85% |
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 |
Dividend Per Share | 1.340 | 1.310 | 1.280 | 1.280 | 1.280 | 1.250 |
Dividend Growth | 3.08% | 2.34% | 0% | 0% | 2.40% | 4.17% |
Effective Tax Rate | 19.79% | 19.19% | 16.64% | 13.68% | 14.62% | 14.77% |