FRAF — FRANKLIN FINANCIAL SERVICES CORP /PA/

Nasdaq · Financials · Banks · CIK 723646 ·
Last close
$61.85
Market Cap
$278.30M
52W High
$65.41
52W Low
$54.83
ADV30
35,664
Next earnings
2026-10-27
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Jun 2026
Mar 2026 23,504,000 6,637,000 2,297,518,000 211,527,000 2,118,774,000
Dec 2025 22,954,000 6,043,000 2,239,018,000 128,720,000 2,063,776,000
Sep 2025 22,657,000 5,354,000 2,297,077,000 189,143,000 2,130,734,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$40,714,000
Investing CF
$-62,066,000
Financing CF
$7,173,000
CapEx
$-998,000
Dividends Paid
$-5,907,000
Buybacks
$-1,367,000
EPS Diluted TTM
$5.49
As of
2026-08-16

Balance + Analyst (yfinance extras)

Retained Earnings
$160,001,000
Inventory
Receivables
ST Investments
$93,083,000
EBIT TTM
Pretax Income TTM
$29,763,000
Interest Exp TTM
$42,521,000
Analysts
1

Yahoo Snapshot (yfinance, live)

Total Revenue
$91,346,000
EBITDA
Free Cash Flow
Enterprise Value
$466,524,160
Total Cash
$26,881,000
Total Debt
$215,106,000
Shares Out
4,499,582
Trailing EPS
$5.48
Book Value
$40.91
ROE
14.4%
ROA
1.1%
Div Yield
2.20%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 87,435,000 21,226,000 2,239,018,000 2,063,776,000 25,442,000
Dec 2024 69,893,000 11,099,000 2,197,841,000 2,053,125,000 21,755,000
Dec 2023 67,253,000 13,598,000 1,836,039,000 1,703,903,000 26,565,000
Dec 2022 65,408,000 14,938,000 1,699,579,000 1,585,382,000 25,244,000

TTM Snapshot

Revenues TTM
$49,608,000
NetIncome TTM
$18,570,000
OpCashFlow TTM
$0
Assets (Latest)
$2,197,841,000
Forward EPS
$6.59

Peers — same industry

TickerNameMarket CapLastDaily %
LCNB LCNB CORP $277.54M $19.47
FUNC FIRST UNITED CORP/MD/ $280.10M $43.40
FXNC FIRST NATIONAL CORP /VA/ $281.04M $31.08
ATLO AMES NATIONAL CORP $282.10M $31.85
CFFI C & F FINANCIAL CORP $282.86M $86.99

News headlines (Yahoo Finance, 1h cache)

Franklin Financial Q2 Earnings Rise Y/Y on Higher Net Interest Income
2026-07-27 14:59 · Yahoo
Franklin Financial Services Marks 120 Years as Shareholders Approve Directors, Pay, Auditor
2026-04-29 02:36 · Yahoo
Here's Why We Think Franklin Financial Services (NASDAQ:FRAF) Might Deserve Your Attention Today
2026-04-23 14:49 · Yahoo
3 Undervalued Small Caps With Insider Buying Across Regions
2026-04-06 11:39 · Yahoo
Exploring 3 Undervalued Small Caps With Insider Activity Across Regions
2026-04-02 11:40 · Yahoo
The Zacks Analyst Blog Highlights Costco, Coca-Cola, AstraZeneca and Franklin Financial Services
2026-05-18 13:10 · Yahoo
7 Dividend Stocks You Must Buy Immediately to Get Paid in August
2026-08-05 16:13 · Yahoo
Franklin Financial Reports Second Quarter and Year-to-Date 2026 Results; Declares Dividend
2026-07-24 13:00 · Yahoo
CMTV vs. FRAF: Which Community Bank Stock Is the Better Buy?
2026-07-23 14:12 · Yahoo
Undervalued Small Caps With Insider Activity To Consider In May 2026
2026-05-27 11:39 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.