Saturday 17 October 2026 Export FRAF’s income statement to Excel — free account

Franklin Financial Services Corp.

Franklin Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $133.5 million, up 16.0% from fiscal 2024. In the quarter to June 2026, revenue grew 1.12%, EPS grew 11.4%, free cash flow grew 21.0% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.

62.75 0.06 −0.10%

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Market cap: $282.6M
P/E: 11.4×
Fwd P/E: 10.0×
Dividend yield: 2.14%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.13

Total sells 0.16

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	2	1	1	1	—	1	1	—	—
Sell	—	1	—	—	—	—	1	—	—	—	—	—

Insider Ownership 7.19%

Capital & Financial Ratios $m

Market Cap 282.62

Revenue 135.43

Net Income 24.65

Free Cash Flow 41.85

Net Debt (4.77)

Current Ratio 0.93

Debt/Equity 1.09

P/E ratio 11.43

Fwd P/E 9.97

P/S ratio 2.08

P/B ratio 1.53

Past 5Y EPS Growth 10.10%

This Y EPS Growth 22.19%

Next Y EPS Growth 13.76%

Next Y revenue growth (26.02%)

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 66.11%

10-year low 10-year high

P/S against its own 10 years 48.91%

10-year low 10-year high

P/B against its own 10 years 98.08%

10-year low 10-year high

Dividends

Payout Ratio 0.24

Annual Dividend Rate 1.34

Annual Dividend Yield 2.14%

	total	individual payouts
2027	Powerpack
2026	1.32	0.33 0.34 0.34
2025	1.31	0.32 0.33 0.33 0.33
2024	1.28	0.32 0.32 0.32 0.32
2023	1.28	0.32 0.32 0.32 0.32
2022	1.28	0.32 0.32 0.32 0.32
2021	1.25	0.30 0.31 0.32 0.32
2020	1.20	0.30 0.30 0.30 0.30
2019	1.17	0.27 0.30 0.30 0.30
2018	1.05	0.24 0.27 0.27 0.27
2017	0.93	0.21 0.24 0.24 0.24
2016	0.82	0.19 0.21 0.21 0.21

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	32	214	138	205
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,273	1,597	1,697	1,796

	2023	2024	2025	Q'26
Payables	1,538	1,816	1,836	1,925
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,558	1,835	1,847	1,935

Compound Annual Growth %

	10y	5y	3y
Sales	10.94%	16.96%	23.04%
Cash Flow	6.71%	31.64%	0.26%
Earnings	7.60%	10.64%	12.42%
Book Value	4.64%	3.84%	15.34%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	33	34	—	—	—
’25	32	34	34	34	134
’24	28	29	31	27	115
’23	20	22	24	26	92
’22	15	17	19	21	72
’21	16	16	18	17	67
’20	16	15	15	16	61

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	24	7	—	—	—
’25	9	5	8	3	25
’24	7	2	8	4	22
’23	8	6	7	6	27
’22	4	5	8	7	25
’21	10	2	12	2	26
’20	2	0	0	4	6

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	25	6	—	—	—
’25	9	5	8	3	25
’24	6	2	7	4	19
’23	8	6	7	6	26
’22	0	1	6	6	13
’21	10	2	5	4	21
’20	2	0	0	4	6

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.48	1.47	—	—	—
’25	0.88	1.32	1.19	1.35	4.74
’24	0.77	0.66	0.95	0.11	2.51
’23	0.75	0.68	0.88	0.79	3.10
’22	0.67	0.80	1.05	0.84	3.36
’21	1.09	1.19	1.31	0.82	4.42
’20	0.39	0.71	0.79	1.04	2.93

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	20.11	28.60	29.26	26.83	19.60	25.93	28.05	23.96	25.11	28.01	Analyst estimates 2026–2028 Powerpack
	High	29.00	38.50	37.98	39.56	38.99	34.90	36.55	36.50	34.15	59.95
People
People	Employees	247	255	255	283	282	280	298	306	—	—
	Revenue/emp, $m	0.20	0.20	0.23	0.23	0.22	0.24	0.24	0.30	0.00	0.00
Income, $m
Income, $m	Revenue	49	52	57	65	61	67	72	92	115	134
	Gross margin, %	95.38	95.22	92.67	89.00	93.48	95.67	93.22	74.76	61.84	66.51
	EBT	9	6	6	19	13	23	17	16	13	26
	EBT margin, %	19.33	11.02	10.37	29.38	21.40	34.32	24.40	17.20	11.57	19.67
	Net income	8	2	6	16	13	20	15	14	11	21
	Depreciation	3	3	3	3	5	2	6	5	5	3
Per share, $
Per share, $	Revenue	11.31	12.01	13.12	14.78	14.01	15.17	16.22	20.94	26.15	29.92
	Earnings	1.88	0.50	1.39	3.67	2.93	4.42	3.36	3.10	2.51	4.74
	Cash flow	3.46	3.75	2.12	4.34	1.48	5.96	5.71	6.07	4.94	5.70
	Capex	(0.13)	(0.26)	(0.24)	(0.38)	(0.11)	(1.25)	(2.76)	(0.11)	(0.58)	(0.19)
	Free cash flow	3.32	3.49	1.88	3.96	1.37	4.72	2.95	5.96	4.36	5.51
	Book value	27.11	26.55	27.02	29.15	33.32	35.54	25.83	30.21	32.87	39.27
	Shares, m	4	4	4	4	4	4	4	4	4	4
Valuation, ×
Valuation, ×	P/E	15.32	75.96	22.66	10.54	9.23	7.51	10.62	10.04	12.01	10.59
	P/S	2.55	3.16	2.40	2.62	1.93	2.18	2.20	1.49	1.14	1.68
	P/B	1.06	1.43	1.17	1.33	0.81	0.93	1.38	1.03	0.91	1.28
	EV/Sales	2.00	2.26	1.68	1.26	1.17	(0.24)	1.44	2.56	1.02	2.14
	EV/FCF	6.82	7.78	11.70	4.69	12.00	(0.76)	7.93	8.99	6.14	11.65
Cash, $m
Cash, $m	Operating cash flow	15	16	9	19	6	26	25	27	22	25
	Capex	(1)	(1)	(1)	(2)	0	(6)	(12)	0	(3)	(1)
	Free cash flow	14	15	8	17	6	21	13	26	19	25
Balance, $m
Balance, $m	Working capital	(85)	(56)	(68)	(108)	(301)	(431)	(454)	(285)	(239)	(149)
	Total debt	24	—	—	5	24	24	25	130	200	200
	Net debt	(38)	(59)	(53)	(88)	(46)	(162)	(55)	98	(14)	62
	Shareholders’ equity	116	115	118	128	145	157	114	132	145	175
Returns, %
Returns, %	ROA	0.75	0.19	0.51	1.30	0.91	1.19	0.86	0.77	0.55	0.96
	ROIC	7.52	6.40	5.73	30.06	8.26	0.00	18.32	4.27	6.36	6.91
	ROE	7.10	1.88	5.25	13.11	9.39	12.98	11.01	11.04	8.02	13.27

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
MYFW First Western Financial, Inc.	$287.7M	15.5×	12.3×	+10.12% (above 0%: growing)	+126.92% (above 0%: growing)	+216.45% (above 0%: growing)	58.35%	0.00%	Compare
ATLO Ames National Corporation	$284.8M	12.5×	11.0×	+7.68% (above 0%: growing)	+31.37% (above 0%: growing)	−13.26% (below 0%: shrinking)	73.46%	0.00%	Compare
FUNC First United Corporation	$283.5M	11.4×	9.1×	+5.24% (above 0%: growing)	−4.35% (below 0%: shrinking)	+705.52% (above 0%: growing)	75.95%	0.00%	Compare
FRAF Franklin Financial Services Corp.	$282.6M	11.4×	10.0×	+1.12% (above 0%: growing)	+11.36% (above 0%: growing)	+20.95% (above 0%: growing)	71.88%	0.00%
OVLY Oak Valley Bancorp (CA)	$282.3M	12.0×	—	+4.45% (above 0%: growing)	−8.82% (below 0%: shrinking)	−20.28% (below 0%: shrinking)	85.32%	0.00%	Compare
ISBA Isabella Bank Corporation	$280.1M	13.5×	11.9×	+13.60% (above 0%: growing)	+1.47% (above 0%: growing)	+1.06% (above 0%: growing)	73.42%	0.00%	Compare
VABK Virginia National Bankshares Corporation	$279.1M	11.1×	17.8×	+24.86% (above 0%: growing)	+110.13% (above 0%: growing)	−47.94% (below 0%: shrinking)	77.48%	0.00%	Compare
NKSH National Bankshares, Inc.	$276.0M	13.6×	10.7×	+6.17% (above 0%: growing)	+119.44% (above 0%: growing)	+118.57% (above 0%: growing)	71.02%	0.00%	Compare
FNRN First Northern Community Bancorp	$273.3M	12.2×	—	+2.07% (above 0%: growing)	−12.99% (below 0%: shrinking)	+31.66% (above 0%: growing)	83.16%	0.00%	Compare
Median of peers	$281.2M	12.3×	11.5×	+6.92%	+16.42%	+16.36%	74.71%	0.00%

All 323 Banks Regional stocks →

Franklin Financial Services Corp. (FRAF) key facts

Strength: Franklin Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $133.5 million, up 16.0% from fiscal 2024.
Strength: Net income was $21.2 million, or $4.74 per share (basic), a net margin of 15.9%.
Franklin Financial Services Corp. (FRAF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, FRAF traded at $62.75, a market capitalization of $282.6 million.
At that price the stock trades at 11.4× trailing-twelve-month earnings and 2.1× sales; its P/E is higher than 66% of its own readings over the past ten years.
Franklin Financial Services Corp. pays an annual dividend of $1.34 per share, a yield of 2.14%, with a payout ratio of 24.4%.
Return on equity was 13.3% and debt-to-equity 1.09.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.