About Franklin Financial Services Corporation
https://www.franklinfin.comFranklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania.
CEO
Craig W. Best
Compensation Summary
(Year 2016)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2004-06-29 | Forward | 5:4 |
| 1998-02-04 | Forward | 3:2 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:133.50K
XSU.TO
Weight:0.01%
Shares:101.43K
IWM
Weight:0.01%
Shares:101.43K
Summary
Showing Top 3 of 56
Ratings Snapshot
Rating : B
Price Target
Institutional Ownership
FOURTHSTONE LLC
Shares:331.59K
Value:$17.62M
VANGUARD GROUP INC
Shares:226.08K
Value:$12.02M
BLACKROCK, INC.
Shares:212.2K
Value:$11.28M
Summary
Showing Top 3 of 74
About Franklin Financial Services Corporation
https://www.franklinfin.comFranklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $34.14M ▲ | $14.8M ▲ | $5.35M ▼ | 15.68% ▼ | $1.19 ▼ | $7.2M ▼ |
| Q2-2025 | $33.36M ▲ | $14.04M ▼ | $5.91M ▲ | 17.71% ▲ | $1.32 ▲ | $7.85M ▲ |
| Q1-2025 | $31.28M ▲ | $14.24M ▲ | $3.92M ▲ | 12.54% ▲ | $0.88 ▲ | $5.35M ▲ |
| Q4-2024 | $26.81M ▼ | $14M ▲ | $487K ▼ | 1.82% ▼ | $0.11 ▼ | $1.07M ▼ |
| Q3-2024 | $30.6M | $13.61M | $4.22M | 13.78% | $0.96 | $5.63M |
What's going well?
Revenue continues to grow slowly and steadily, and the company remains profitable. Earnings are clean with no unusual charges, and the business keeps a healthy gross margin.
What's concerning?
Operating expenses are rising faster than sales, causing profit margins to shrink. Interest costs are high and eating into profits, and net income is down compared to last quarter.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $271.53M ▼ | $2.3B ▲ | $2.13B ▲ | $166.34M ▲ |
| Q2-2025 | $328.55M ▼ | $2.29B ▲ | $2.13B ▲ | $157.36M ▲ |
| Q1-2025 | $531M ▲ | $2.26B ▲ | $2.11B ▲ | $151.39M ▲ |
| Q4-2024 | $524.1M ▼ | $2.2B ▲ | $2.05B ▲ | $144.72M ▼ |
| Q3-2024 | $704.55M | $2.15B | $2B | $149.93M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $5.35M ▼ | $8.3M ▲ | $-26.86M ▲ | $-1.09M ▼ | $-19.65M ▼ | $7.85M ▲ |
| Q2-2025 | $5.91M ▲ | $5.14M ▼ | $-46.91M ▼ | $24.61M ▼ | $-17.17M ▼ | $4.95M ▼ |
| Q1-2025 | $3.92M ▲ | $8.82M ▲ | $-38.32M ▲ | $50.84M ▼ | $21.34M ▲ | $8.58M ▲ |
| Q4-2024 | $487K ▼ | $4.22M ▼ | $-87.83M ▼ | $50.91M ▼ | $-32.7M ▼ | $3.84M ▼ |
| Q3-2024 | $4.22M | $7.8M | $-46.98M | $95.77M | $56.59M | $7.07M |
Revenue by Products
| Product | Q4-2024 | Q1-2025 | Q2-2025 | Q3-2025 |
|---|---|---|---|---|
 Asset Management Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Commision | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Estate Management Services Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
Craig W. Best
Compensation Summary
(Year 2016)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2004-06-29 | Forward | 5:4 |
| 1998-02-04 | Forward | 3:2 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:133.50K
XSU.TO
Weight:0.01%
Shares:101.43K
IWM
Weight:0.01%
Shares:101.43K
Summary
Showing Top 3 of 56
Ratings Snapshot
Rating : B
Price Target
Institutional Ownership
FOURTHSTONE LLC
Shares:331.59K
Value:$17.62M
VANGUARD GROUP INC
Shares:226.08K
Value:$12.02M
BLACKROCK, INC.
Shares:212.2K
Value:$11.28M
Summary
Showing Top 3 of 74