FRAF

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Franklin Financial Services Corp.

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Key Metrics

Previous Close: $61.85
52-Week Range: $42.42 – $65.41
Market Cap: $279.42M
P/E (TTM): 11.33
EPS (TTM): 5.48
Dividend Yield: 2.20%

Advanced Metrics

Price/Book: 1.52
PEG Ratio: 1.03
Return on Equity: 14.45%
Return on Assets: 1.07%
Gross Margin: 0.00%
Operating Margin: 37.69%
Profit Margin: 26.98%
Current Ratio: —
Debt/Equity: —
Total Debt: $215.11M
Free Cash Flow: —
Revenue Growth: 5.30%
Earnings Growth: 11.40%
Enterprise Value: $466.52M

FRAF Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$65.41M	$67.25M	$69.89M	$87.44M
Selling, General & Admin	$30.75M	$31.73M	$36.35M	$39.03M
Pretax Income	$17.50M	$15.75M	$13.31M	$26.27M
Income Tax	$2.56M	$2.15M	$2.22M	$5.04M
Net Income	$14.94M	$13.60M	$11.10M	$21.23M
Diluted EPS	3.36	3.10	2.51	4.74
Diluted Shares	4.45M	4.38M	4.43M	4.48M

FRAF Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$78.87M	$29.37M	$205.11M	$128.72M
Total Assets	$1.70B	$1.84B	$2.20B	$2.24B
Long-Term Debt	$19.62M	$19.66M	$219.70M	$210.84M
Total Debt	$25.77M	$154.48M	$223.96M	$214.69M
Total Liabilities	$1.59B	$1.70B	$2.05B	$2.06B
Retained Earnings	$125.89M	$133.99M	$139.46M	$154.84M
Shareholders' Equity	$114.20M	$132.14M	$144.72M	$175.24M
Net Debt	—	$120.29M	$14.59M	$82.13M

FRAF Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$25.24M	$26.57M	$21.75M	$25.44M
Capital Expenditure	-$12.22M	-$499.00K	-$2.57M	-$866.00K
Free Cash Flow	$13.03M	$26.07M	$19.19M	$24.58M
Depreciation & Amortisation	$1.44M	$2.02M	$2.09M	$2.15M
Stock-Based Compensation	$462.00K	$483.00K	$634.00K	$819.00K
Investing Cash Flow	-$95.06M	-$178.27M	-$184.37M	-$107.02M
Financing Cash Flow	-$40.44M	$109.94M	$343.08M	$5.69M
Dividends Paid	-$5.66M	-$5.59M	-$5.63M	-$5.84M
Share Repurchases	-$3.33M	-$2.39M	-$827.00K	-$1.10M
Net Change in Cash	-$110.25M	-$41.76M	$180.47M	-$75.89M

FRAF Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$22.00M	$22.66M	$22.95M	$23.50M	—
Selling, General & Admin	$9.63M	$10.07M	$9.86M	$9.93M	—
Pretax Income	$7.32M	$6.66M	$7.48M	$8.31M	—
Income Tax	$1.41M	$1.30M	$1.44M	$1.67M	—
Net Income	$5.91M	$5.35M	$6.04M	$6.64M	—
Diluted EPS	1.32	1.19	1.35	1.48	1.47
Diluted Shares	4.48M	4.50M	4.48M	4.48M	4.50M

FRAF Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$226.21M	$208.79M	$189.14M	$128.72M	$211.53M
Total Assets	$2.26B	$2.29B	$2.30B	$2.24B	$2.30B
Long-Term Debt	$219.71M	$219.72M	$210.84M	$210.84M	$210.85M
Total Debt	$223.96M	$223.83M	$214.81M	$214.69M	$215.24M
Total Liabilities	$2.11B	$2.13B	$2.13B	$2.06B	$2.12B
Retained Earnings	$141.97M	$146.40M	$150.28M	$154.84M	$160.00M
Shareholders' Equity	$151.39M	$157.36M	$166.34M	$175.24M	$178.74M
Net Debt	—	$10.93M	$21.70M	$82.13M	—

FRAF Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$8.82M	$5.14M	$8.30M	$3.19M	$24.09M
Capital Expenditure	-$246.00K	-$187.00K	-$449.00K	—	-$116.00K
Free Cash Flow	$8.58M	$4.95M	$7.85M	$3.20M	$23.98M
Depreciation & Amortisation	$537.00K	$534.00K	$537.00K	$538.00K	$513.00K
Stock-Based Compensation	$194.00K	$281.00K	$158.00K	$186.00K	$156.00K
Investing Cash Flow	-$38.32M	-$46.91M	-$26.86M	$5.06M	$6.64M
Financing Cash Flow	$50.84M	$24.61M	-$1.09M	-$68.67M	$52.32M
Dividends Paid	-$1.42M	-$1.47M	-$1.48M	-$1.48M	-$1.48M
Share Repurchases	-$142.00K	-$296.00K	-$300.00K	-$366.00K	-$405.00K
Net Change in Cash	$21.34M	-$17.17M	-$19.65M	-$60.42M	$83.06M

Market Snapshot

About

Franklin Financial Services Corporation operates as the holding company for Farmers and Merchants Trust Company, a Pennsylvania-chartered bank and trust company. The company provides a full range of banking services including commercial and consumer lending, deposit products, wealth management, and trust services. Franklin Financial serves individuals, businesses, and municipalities primarily in south-central Pennsylvania through a network of community banking offices. The company emphasizes relationship banking and local decision-making while maintaining conservative underwriting standards.