Franklin Financial Services Corp /Pa/
FRAF Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$64.10
KIRA · Stoqly’s AI analyst, in plain words
- Franklin Financial Services Corp /Pa/ had $88.8M of revenue in fiscal 2025, up 24.8% on the year before. Over five years, revenue changed +9.3% a year on average.
- Franklin Financial Services Corp /Pa/ made $21.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 10.8% a year.
- Franklin Financial Services Corp /Pa/ returned $6.9M to shareholders in fiscal 2025. The diluted share count rose 1.4%.
- It earned 13.3% on shareholders’ money. Running costs took 67.2% of revenue (the efficiency ratio; lower is better).
Market cap
$289M
P/E
11.7x
Revenue
$88.8M
Net income
$21.2M
Return on equity
13.3%
Efficiency ratio
67.2%
Franklin Financial Services Corp /Pa/ in 30 seconds · fiscal 2025
Are sales growing?
+24.8%
Yes. Sales grew 24.8% last year.
Does it make a profit?
23.9%
Yes. It keeps 23.9% of every sale as profit.
How lean are its costs?
67.2%
Costly. Running costs take 67.2% of revenue.
How much does it earn on its capital?
13.3%
Good. It earns 13.3% a year on shareholders’ money.
How is the share priced?
11.7x
One share costs 11.7 times its yearly profit per share.
What Franklin Financial Services Corp /Pa/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- FRANKLIN FINANCIAL SERVICES CORP /PA/
- CIK
- 0000723646
Franklin Financial Services Corp /Pa/ · FRAF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $64.2M | $66.8M | $68.5M | $71.2M | $88.8M |
| Revenue growth | 12.5% | 4.2% | 2.5% | 3.9% | 24.8% |
| Net interest income | $44.7M | $51.6M | $53.6M | $57.5M | $69.6M |
| Net income | $19.6M | $14.9M | $13.6M | $11.1M | $21.2M |
| Net margin | 30.6% | 22.4% | 19.9% | 15.6% | 23.9% |
| Diluted EPS | $4.42 | $3.36 | $3.10 | $2.51 | $4.74 |
| Cash | |||||
| Cash from operations | $26.3M | $25.2M | $26.6M | $21.8M | $25.4M |
| Dividends paid | $5.5M | $5.7M | $5.6M | $5.6M | $5.8M |
| Share buybacks | $1.2M | $3.3M | $2.4M | $0.8M | $1.1M |
| Share count change | 1.7% | 0.1% | −1.4% | 0.8% | 1.4% |
| Debt and strength | |||||
| Cash and short-term investments | $175M | $64.9M | $23.1M | $204M | $128M |
| Debt incl. finance leases | $0.0M | — | — | — | — |
| Loans, net | $984M | $1.0B | $1.2B | $1.4B | $1.5B |
| Deposits | $1.6B | $1.6B | $1.5B | $1.8B | $1.8B |
| Shareholders' equity | $157M | $114M | $132M | $145M | $175M |
| Returns and quality | |||||
| Return on equity | 13.0% | 11.0% | 11.0% | 8.0% | 13.3% |
| Return on tangible equity | 13.2% | 14.2% | 11.0% | 8.2% | 12.8% |
| Efficiency ratio | 67.4% | 72.9% | 73.0% | 78.5% | 67.2% |
| Piotroski F-score | 4 | — | — | — | — |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$0.2M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Franklin Financial Services Corp /Pa/ · FRAF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $64.10 a share, the company is worth $289M: 11.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000723646). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.