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FRAF

Franklin Financial Services Corporation

FRAF

Franklin Financial Services Corporation • NASDAQ
$53.51 ▼ -0.74% (-0.40)
Market Cap $239.67 M
52w High $54.31
52w Low $28.01
Dividend Yield 1.31%
P/E 15.33
Volume 29.45K
Outstanding Shares 4.48M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $34.139M ▲ $14.801M ▲ $5.354M ▼ 15.683% ▼ $1.19 ▼ $7.195M ▼
Q2-2025 $33.359M ▲ $14.045M ▼ $5.908M ▲ 17.71% ▲ $1.32 ▲ $7.851M ▲
Q1-2025 $31.28M ▲ $14.237M ▲ $3.922M ▲ 12.538% ▲ $0.88 ▲ $5.349M ▲
Q4-2024 $26.813M ▼ $14.003M ▲ $487K ▼ 1.816% ▼ $0.11 ▼ $1.072M ▼
Q3-2024 $30.599M $13.61M $4.218M 13.785% $0.96 $5.63M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $271.528M ▼ $2.297B ▲ $2.131B ▲ $166.343M ▲
Q2-2025 $328.548M ▼ $2.287B ▲ $2.129B ▲ $157.364M ▲
Q1-2025 $531M ▲ $2.257B ▲ $2.106B ▲ $151.391M ▲
Q4-2024 $524.103M ▼ $2.198B ▲ $2.053B ▲ $144.716M ▼
Q3-2024 $704.551M $2.151B $2.001B $149.928M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $5.354M ▼ $8.297M ▲ $-26.856M ▲ $-1.087M ▼ $-19.646M ▼ $7.848M ▲
Q2-2025 $5.907M ▲ $5.137M ▼ $-46.91M ▼ $24.607M ▼ $-17.166M ▼ $4.95M ▼
Q1-2025 $3.922M ▲ $8.823M ▲ $-38.317M ▲ $50.837M ▼ $21.343M ▲ $8.577M ▲
Q4-2024 $487K ▼ $4.22M ▼ $-87.835M ▼ $50.911M ▼ $-32.704M ▼ $3.837M ▼
Q3-2024 $4.218M $7.799M $-46.978M $95.769M $56.59M $7.066M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Asset Management Fees
Asset Management Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Commision
Commision
 $0 ▲$0 ▲$0 ▲$0 ▲
Estate Management Services Fees
Estate Management Services Fees
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has been on a gentle upward path over the last five years, showing a steadily growing core franchise. Profitability, however, has not kept pace with that growth. Operating profit has stayed fairly stable, and net income and earnings per share are below their peak from a few years ago. This suggests the bank is facing some margin pressure, likely from higher funding costs and a tougher rate environment, even as its business base expands. Overall earnings remain positive and consistent, but not strongly growing.

Balance Sheet

Balance Sheet The balance sheet has grown meaningfully, with total assets trending higher and the bank clearly getting bigger over time. Cash levels have moved around from year to year but are currently solid, giving the bank flexibility. Debt has increased from very low levels to a more noticeable portion of the balance sheet, which adds some leverage but from a conservative starting point. Equity has grown, indicating retained profitability, yet not as fast as total assets, so the bank is somewhat more leveraged than it was a few years ago, though still in line with a typical regional bank profile.

Cash Flow

Cash Flow Operating cash flow has been steady and comfortably positive over the period, which is what you want to see from a traditional bank—its core activities reliably generate cash. Free cash flow has also been positive every year, and capital spending has been modest, reflecting a business that does not need heavy physical investment to grow. This pattern points to a business that can fund operations and investments internally without stretching its financial resources, though it still needs to manage credit quality and funding costs carefully.

Competitive Edge

Competitive Edge Franklin Financial is a classic community bank with a strong local franchise. It holds a leading deposit share in its core county, which provides a stable and relatively low‑cost funding base. Its strength is relationship banking—local decision‑making, personal service, and deep knowledge of its markets, including commercial real estate and agriculture. On top of traditional banking, it has a meaningful wealth management and trust operation, which adds fee income and helps diversify away from pure lending. The flip side is geographic concentration and competition from larger banks and digital‑only players, but its community roots and deposit strength form a clear moat in its home markets.

Innovation and R&D

Innovation and R&D The bank follows an incremental, practical approach to innovation rather than trying to be a fintech disruptor. It has modernized core systems with tools like a customer relationship management platform and a refreshed mobile banking app, improving personalization and usability. For business clients, it offers digital services such as remote deposit capture, online treasury tools, and integrated payment solutions, which help it stay relevant against larger competitors. Recent investments in a new headquarters and technology infrastructure aim to improve efficiency and support future growth. The main opportunity is to keep enhancing digital account opening, payments, and partnerships, while the risk is moving too slowly as customer expectations around technology continue to rise.

Summary

Franklin Financial looks like a steadily growing community bank with a larger asset base than a few years ago, a strong local deposit franchise, and a dependable cash‑generating core business. Earnings remain positive but have softened from earlier highs, reflecting margin pressure and a more challenging interest‑rate backdrop. The balance sheet has expanded with somewhat higher leverage but still appears conservative for a regional bank. Its competitive edge lies in local market dominance, relationship banking, and a meaningful wealth and trust business, all supported by gradual but real investments in digital capabilities. The key watch points are profitability trends, funding costs, credit quality in its commercial and real‑estate book, and its ability to keep modernizing technology without losing its community‑bank identity.

NEWS

October 28, 2025 · 4:30 PM UTC

Franklin Financial Reports Third Quarter and Year-to-Date 2025 Results; Declares Dividend

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