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Franklin Financial Services (FRAF) Financials

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$62.99 -1.09 (-1.70%)
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Annual Income Statements for Franklin Financial Services

Annual Income Statements for Franklin Financial Services

This table shows Franklin Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 10 8.09 2.18 6.13 16 13 20 15 14 11 21
Consolidated Net Income / (Loss)		 10 8.09 2.18 6.13 16 13 20 15 14 11 21
Net Income / (Loss) Continuing Operations		 10 8.09 2.18 6.13 16 13 20 15 14 11 21
Total Pre-Tax Income 		12 9.39 5.74 5.96 19 13 23 17 16 13 26
Total Revenue		 45 46 50 53 58 57 64 67 68 71 89
Net Interest Income / (Expense)		 32 35 37 41 42 42 45 52 54 58 70
Total Interest Income		 35 37 40 45 49 46 48 56 77 101 114
Loans and Leases Interest Income		 30 33 36 41 44 39 38 42 58 74 87
Investment Securities Interest Income		 4.09 3.70 3.21 3.28 3.75 6.28 9.33 12 16 18 20
Deposits and Money Market Investments Interest Income		 0.25 0.29 0.40 0.49 1.60 0.48 0.25 2.48 2.41 9.24 7.64
Total Interest Expense		 2.37 2.25 2.49 4.21 7.11 3.98 2.90 4.86 23 44 45
Deposits Interest Expense		 2.37 2.21 2.48 4.19 7.08 3.55 1.85 3.82 19 31 35
Short-Term Borrowings Interest Expense		 0.00 0.03 0.02 0.02 0.04 - - 0.00 0.86 10 8.75
Long-Term Debt Interest Expense		 - - - - 0.00 0.43 1.05 1.05 3.43 3.01 1.28
Total Non-Interest Income		 13 12 12 13 15 15 19 15 15 14 19
Trust Fees by Commissions		 5.04 - - - - - - 7.15 7.51 8.54 9.17
Service Charges on Deposit Accounts		 - 2.47 2.40 2.31 2.42 - 2.26 2.53 2.49 2.45 2.54
Other Service Charges		 6.32 3.69 3.92 4.08 4.52 6.23 4.96 4.53 5.30 5.73 6.34
Net Realized & Unrealized Capital Gains on Investments		 0.75 -0.05 -0.02 0.06 1.64 1.57 4.42 0.61 -0.90 -3.49 0.67
Other Non-Interest Income		 0.55 0.53 0.52 0.52 0.70 0.41 0.45 0.44 0.45 0.46 0.47
Provision for Credit Losses		 1.29 3.78 0.67 9.95 0.24 4.63 -2.10 0.65 2.59 1.98 3.03
Total Non-Interest Expense		 31 33 43 37 38 39 43 49 50 56 60
Salaries and Employee Benefits		 17 18 19 20 22 22 25 28 29 33 35
Net Occupancy & Equipment Expense		 5.77 5.64 5.80 3.64 3.83 3.81 3.99 4.47 4.80 5.02 5.25
Marketing Expense		 1.11 1.16 1.20 1.56 1.76 1.76 1.53 1.92 2.07 1.89 1.73
Property & Liability Insurance Claims		 0.66 0.58 10 0.60 0.10 0.46 0.74 0.74 0.85 1.71 1.98
Other Operating Expenses		 6.23 8.11 7.08 12 10 11 12 13 13 15 15
Income Tax Expense		 2.27 1.30 3.57 -0.17 2.88 0.26 3.40 2.56 2.16 2.22 5.04
Basic Earnings per Share		 $2.40 $1.88 $0.50 $1.40 $3.68 $2.94 $4.44 $3.38 $3.11 $2.52 $4.76
Weighted Average Basic Shares Outstanding		 4.24M 4.30M 4.36M 4.41M 4.36M 4.40M 4.45M 4.40M 4.38M 4.44M 4.48M
Diluted Earnings per Share		 $2.40 $1.88 $0.50 $1.39 $3.67 $2.93 $4.42 $3.36 $3.10 $2.51 $4.74
Weighted Average Diluted Shares Outstanding		 4.24M 4.30M 4.36M 4.41M 4.36M 4.40M 4.45M 4.40M 4.38M 4.44M 4.48M
Weighted Average Basic & Diluted Shares Outstanding		 4.24M 4.30M 4.36M 4.41M 4.36M 4.40M 4.45M 4.40M 4.38M 4.44M 4.48M
Cash Dividends to Common per Share		 $0.74 $0.82 $0.93 $1.05 $1.17 $1.20 $1.25 $1.28 $1.28 $1.28 $1.31

Quarterly Income Statements for Franklin Financial Services

This table shows Franklin Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 3.86 3.47 3.36 3.03 4.22 0.49 3.92 5.91 5.35 6.04 6.64
Consolidated Net Income / (Loss)		 3.86 3.47 3.36 3.03 4.22 0.49 3.92 5.91 5.35 6.04 6.64
Net Income / (Loss) Continuing Operations		 3.86 3.47 3.36 3.03 4.22 0.49 3.92 5.91 5.35 6.04 6.64
Total Pre-Tax Income 		4.65 4.05 4.01 3.68 5.10 0.55 4.81 7.32 6.66 7.48 8.31
Total Revenue		 18 18 18 19 20 15 20 22 23 23 24
Net Interest Income / (Expense)		 14 14 14 14 15 15 16 17 18 19 19
Total Interest Income		 20 22 24 25 26 27 27 29 30 29 28
Loans and Leases Interest Income		 15 17 17 18 19 20 20 21 23 23 23
Investment Securities Interest Income		 4.13 4.48 4.23 4.38 4.51 5.09 5.29 4.98 4.80 4.43 4.08
Deposits and Money Market Investments Interest Income		 0.72 0.47 2.35 2.29 2.46 2.13 1.91 2.19 1.95 1.59 1.12
Total Interest Expense		 6.45 7.62 10 11 11 12 11 11 11 10 9.25
Deposits Interest Expense		 5.13 5.91 6.50 7.02 8.13 9.26 9.03 8.92 8.74 8.01 6.89
Short-Term Borrowings Interest Expense		 0.79 0.07 2.53 0.48 2.53 2.21 2.16 2.18 2.21 2.21 2.16
Long-Term Debt Interest Expense		 0.53 1.64 1.23 3.02 0.75 0.30 0.26 0.26 0.54 0.21 0.21
Total Non-Interest Income		 4.01 4.08 4.19 4.35 4.85 0.29 4.56 5.10 4.81 4.70 5.36
Trust Fees by Commissions		 1.78 1.94 2.03 2.24 2.10 2.17 2.22 2.42 2.26 2.27 2.31
Service Charges on Deposit Accounts		 0.65 - 0.61 0.57 0.63 0.64 0.61 0.61 0.66 0.66 0.65
Other Service Charges		 1.43 0.72 1.42 1.34 1.52 1.45 1.53 1.82 1.60 1.39 1.96
Net Realized & Unrealized Capital Gains on Investments		 0.04 0.07 0.02 0.08 0.50 -4.09 0.10 0.13 0.17 0.26 0.32
Other Non-Interest Income		 0.11 0.14 0.11 0.11 0.12 0.12 0.12 0.12 0.12 0.12 0.13
Provision for Credit Losses		 0.87 0.67 0.49 0.56 0.47 0.45 0.75 0.70 1.25 0.33 0.20
Total Non-Interest Expense		 12 13 13 14 14 14 15 14 15 16 15
Salaries and Employee Benefits		 6.98 7.64 7.73 8.41 8.08 8.54 8.51 8.86 9.13 8.83 9.03
Net Occupancy & Equipment Expense		 1.20 1.19 1.29 1.26 1.26 1.21 1.33 1.26 1.36 1.31 1.38
Marketing Expense		 0.53 0.47 0.52 0.62 0.43 0.33 0.43 0.35 0.44 0.50 0.43
Property & Liability Insurance Claims		 0.23 0.24 0.32 0.41 0.55 0.43 0.55 0.41 0.50 0.53 0.48
Other Operating Expenses		 3.26 3.61 3.42 3.65 3.60 3.83 3.76 3.51 3.73 4.37 4.04
Income Tax Expense		 0.79 0.58 0.64 0.65 0.89 0.06 0.89 1.41 1.30 1.44 1.67
Basic Earnings per Share		 $0.89 $0.79 $0.77 $0.67 $0.96 $0.12 $0.88 $1.32 $1.20 $1.36 $1.48
Weighted Average Basic Shares Outstanding		 4.36M 4.38M 4.40M 4.41M 4.42M 4.44M 4.46M 4.48M 4.48M 4.48M 4.49M
Diluted Earnings per Share		 $0.88 $0.79 $0.77 $0.66 $0.95 $0.13 $0.88 $1.32 $1.19 $1.35 $1.48
Weighted Average Diluted Shares Outstanding		 4.36M 4.38M 4.40M 4.41M 4.42M 4.44M 4.46M 4.48M 4.48M 4.48M 4.49M
Weighted Average Basic & Diluted Shares Outstanding		 4.36M 4.38M 4.40M 4.41M 4.42M 4.44M 4.46M 4.48M 4.48M 4.48M 4.49M
Cash Dividends to Common per Share		 $0.32 - $0.32 $0.32 $0.32 - $0.32 $0.33 $0.33 - $0.33

Annual Cash Flow Statements for Franklin Financial Services

This table details how cash moves in and out of Franklin Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -9.43 -2.50 22 -5.65 31 -27 118 -110 -42 180 -76
Net Cash From Operating Activities		 13 15 16 9.30 19 6.44 26 25 27 22 25
Net Cash From Continuing Operating Activities		 13 15 16 9.30 19 6.44 26 25 27 22 25
Net Income / (Loss) Continuing Operations		 10 8.09 2.18 6.13 16 13 20 15 14 11 21
Consolidated Net Income / (Loss)		 10 8.09 2.18 6.13 16 13 20 15 14 11 21
Provision For Loan Losses		 1.29 3.78 0.67 12 0.24 4.63 -2.10 0.65 2.72 1.98 2.90
Depreciation Expense		 1.33 1.35 1.33 1.33 1.37 1.33 1.20 1.44 2.02 2.09 2.15
Amortization Expense		 1.87 1.67 1.79 1.71 1.24 3.54 1.17 4.21 2.50 3.01 0.43
Non-Cash Adjustments to Reconcile Net Income		 -1.09 -0.10 9.06 -11 -1.97 -11 4.21 3.88 2.35 1.43 -2.08
Changes in Operating Assets and Liabilities, net		 -0.32 0.08 1.24 -1.13 1.98 -4.45 2.25 0.12 3.38 2.15 0.82
Net Cash From Investing Activities		 -49 -103 -32 -47 -23 -277 -134 -95 -178 -184 -107
Net Cash From Continuing Investing Activities		 -49 -103 -32 -47 -23 -277 -134 -95 -178 -184 -107
Purchase of Investment Securities		 -82 -133 -60 -71 -115 -324 -212 -148 -258 -287 -180
Sale and/or Maturity of Investments		 32 30 27 23 92 46 78 57 80 103 73
Net Cash From Financing Activities		 26 85 38 33 35 244 226 -40 110 343 5.69
Net Cash From Continuing Financing Activities		 26 85 38 33 35 244 226 -40 110 343 5.69
Net Change in Deposits		 37 64 65 35 43 229 230 -33 -13 278 20
Issuance of Debt		 - 24 - - 0.00 20 - 0.00 130 200 0.00
Repayment of Debt		 - - -24 - - - - - - -130 -9.00
Repurchase of Common Equity		 - -0.80 - -0.09 -3.85 -1.17 -1.19 -3.33 -2.39 -0.83 -1.10
Payment of Dividends		 -1.89 -1.85 -3.04 -3.18 -5.12 -3.39 -3.14 -4.24 -4.24 -3.88 -4.62
Other Financing Activities, Net		 -8.99 0.08 0.18 0.36 0.27 0.04 0.14 0.05 0.05 0.12 0.29
Cash Interest Paid		 2.42 2.25 2.46 4.17 6.87 4.23 3.00 4.75 19 43 46

Quarterly Cash Flow Statements for Franklin Financial Services

This table details how cash moves in and out of Franklin Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 9.12 -51 159 -2.84 57 -33 21 -17 -20 -60 83
Net Cash From Operating Activities		 7.26 5.92 7.30 2.43 7.80 4.22 8.82 5.14 8.30 3.19 24
Net Cash From Continuing Operating Activities		 7.26 5.92 7.30 2.43 7.80 4.22 8.82 5.14 8.30 3.19 24
Net Income / (Loss) Continuing Operations		 3.86 3.47 3.36 3.03 4.22 0.49 3.92 5.91 5.35 6.04 6.64
Consolidated Net Income / (Loss)		 3.86 3.47 3.36 3.03 4.22 0.49 3.92 5.91 5.35 6.04 6.64
Provision For Loan Losses		 0.88 0.79 0.45 0.55 0.49 0.50 0.78 0.64 1.20 0.29 0.22
Depreciation Expense		 0.52 0.51 0.54 0.50 0.53 0.52 0.54 0.53 0.54 0.54 0.51
Amortization Expense		 0.18 0.58 0.93 0.87 0.70 0.51 0.08 0.10 0.16 0.08 0.12
Non-Cash Adjustments to Reconcile Net Income		 -0.68 1.68 -0.09 -0.56 -2.04 4.12 0.77 0.47 0.11 -3.42 17
Changes in Operating Assets and Liabilities, net		 2.50 -1.11 2.12 -1.96 3.91 -1.92 2.74 -2.51 0.94 -0.34 -0.11
Net Cash From Investing Activities		 -91 -46 -18 -31 -47 -88 -38 -47 -27 5.06 6.64
Net Cash From Continuing Investing Activities		 -91 -46 -18 -31 -47 -88 -38 -47 -27 5.06 6.64
Purchase of Investment Securities		 -101 -55 -25 -54 -59 -149 -58 -63 -45 -13 -13
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 - - - 0.83
Sale and/or Maturity of Investments		 9.97 9.01 6.88 22 12 61 20 16 18 18 19
Net Cash From Financing Activities		 93 -11 170 26 96 51 51 25 -1.09 -69 52
Net Cash From Continuing Financing Activities		 93 -11 170 26 96 51 51 25 -1.09 -69 52
Net Change in Deposits		 54 -29 21 27 137 92 52 26 9.42 -67 54
Repurchase of Common Equity		 - - -0.04 -0.40 -0.16 -0.23 -0.14 -0.30 -0.30 -0.37 -0.41
Payment of Dividends		 -1.12 -1.13 -1.07 -0.58 -1.12 -1.11 -0.97 -1.20 -1.21 -1.23 -1.22
Other Financing Activities, Net		 0.02 0.01 0.01 0.00 0.01 0.10 0.02 0.21 0.00 0.05 0.01
Cash Interest Paid		 5.05 6.60 9.90 10.00 11 13 12 11 12 10 9.30

Annual Balance Sheets for Franklin Financial Services

This table presents Franklin Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,035 1,127 1,180 1,210 1,269 1,535 1,774 1,700 1,836 2,198 2,239
Cash and Due from Banks		 21 17 21 53 84 57 175 65 23 204 128
Time Deposits Placed and Other Short-Term Investments		 - - - - 8.75 13 10 14 6.23 1.50 1.00
Trading Account Securities		 160 144 128 132 190 407 533 488 473 511 474
Loans and Leases, Net of Allowance		 772 883 932 961 923 993 984 1,037 1,241 1,380 1,541
Loans and Leases		 782 894 944 973 935 1,010 999 1,051 1,257 1,398 1,561
Allowance for Loan and Lease Losses		 10 11 12 12 12 17 15 14 16 18 21
Premises and Equipment, Net		 15 14 14 14 14 13 19 30 29 29 27
Goodwill		 9.02 9.02 9.02 9.02 9.02 9.02 9.02 9.02 9.02 9.02 9.02
Other Assets		 40 40 39 41 41 43 43 57 55 63 60
Total Liabilities & Shareholders' Equity		 1,035 1,127 1,180 1,210 1,269 1,535 1,774 1,700 1,836 2,198 2,239
Total Liabilities		 924 1,011 1,065 1,091 1,142 1,390 1,617 1,585 1,704 2,053 2,064
Non-Interest Bearing Deposits		 152 170 197 197 192 259 298 299 273 290 310
Interest Bearing Deposits		 766 812 850 885 933 1,096 1,286 1,252 1,265 1,525 1,526
Long-Term Debt		 - - - - 0.00 20 20 20 150 220 211
Other Long-Term Liabilities		 5.41 4.56 17 8.56 16 16 13 14 16 18 17
Commitments & Contingencies		 - - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 111 116 115 118 128 145 157 114 132 145 175
Total Preferred & Common Equity		 111 116 115 118 128 145 157 114 132 145 175
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 111 116 115 118 128 145 157 114 132 145 175
Common Stock		 43 44 45 46 47 47 48 48 48 49 49
Retained Earnings		 79 83 82 84 95 103 117 126 134 139 155
Treasury Stock		 -6.86 -6.81 -6.13 -5.40 -8.41 -7.83 -6.80 -8.65 -9.27 -7.74 -6.66
Accumulated Other Comprehensive Income / (Loss)		 -3.72 -4.22 -6.03 -6.38 -5.99 3.19 -0.55 -51 -41 -36 -22

Quarterly Balance Sheets for Franklin Financial Services

This table presents Franklin Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,828 2,012 2,039 2,151 2,257 2,287 2,297 2,298
Cash and Due from Banks		 74 204 180 236 225 208 188 211
Time Deposits Placed and Other Short-Term Investments		 7.73 - 1.99 1.75 1.25 1.00 1.00 0.75
Trading Account Securities		 459 464 456 470 497 483 471 438
Loans and Leases, Net of Allowance		 1,191 1,261 1,301 1,348 1,438 1,500 1,544 1,552
Loans and Leases		 1,207 1,278 1,318 1,366 1,456 1,519 1,564 1,572
Allowance for Loan and Lease Losses		 16 17 17 18 18 19 20 21
Premises and Equipment, Net		 29 29 29 29 29 28 28 27
Goodwill		 9.02 9.02 9.02 9.02 9.02 9.02 9.02 9.02
Other Assets		 57 62 62 57 58 58 56 60
Total Liabilities & Shareholders' Equity		 1,828 2,012 2,039 2,151 2,257 2,287 2,297 2,298
Total Liabilities		 1,713 1,877 1,902 2,001 2,106 2,129 2,131 2,119
Non-Interest Bearing Deposits		 295 292 283 303 299 294 312 332
Interest Bearing Deposits		 1,272 1,267 1,303 1,420 1,569 1,599 1,591 1,558
Long-Term Debt		 20 300 300 260 220 220 211 211
Other Long-Term Liabilities		 16 4.68 16 18 19 16 17 18
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 115 134 137 150 151 157 166 179
Total Preferred & Common Equity		 115 134 137 150 151 157 166 179
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 115 134 137 150 151 157 166 179
Common Stock		 48 48 48 48 48 48 48 48
Retained Earnings		 132 136 138 140 142 146 150 160
Treasury Stock		 -9.54 -8.65 -8.15 -7.98 -7.04 -6.73 -6.59 -6.48
Accumulated Other Comprehensive Income / (Loss)		 -56 -41 -41 -31 -32 -31 -26 -23

Annual Metrics And Ratios for Franklin Financial Services

This table displays calculated financial ratios and metrics derived from Franklin Financial Services' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 4,261,022.00 4,299,317.00 4,347,855.00 4,399,135.00 4,345,257.00 4,372,757.00 4,432,298.00 4,387,060.00 4,361,559.00 - 4,479,037.00
DEI Adjusted Shares Outstanding		 4,261,022.00 4,299,317.00 4,347,855.00 4,399,135.00 4,345,257.00 4,372,757.00 4,432,298.00 4,387,060.00 4,361,559.00 - 4,479,037.00
DEI Earnings Per Adjusted Shares Outstanding		 2.39 1.88 0.50 1.39 3.71 2.93 4.43 3.41 3.12 - 4.74
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 5.03% 3.21% 7.00% 7.46% 8.00% -0.87% 12.47% 4.17% 2.47% 3.95% 24.76%
EBITDA Growth		 10.35% -20.87% -28.66% 1.66% 140.08% -17.00% 41.58% -8.83% -11.84% -9.73% 55.86%
EBIT Growth		 19.86% -24.74% -38.85% 3.81% 218.71% -31.26% 76.24% -23.98% -9.19% -16.14% 96.17%
NOPAT Growth		 21.45% -20.75% -73.09% 181.48% 163.10% -20.57% 53.25% -23.85% -8.97% -18.38% 91.24%
Net Income Growth		 21.45% -20.75% -73.09% 181.48% 163.10% -20.57% 53.25% -23.85% -8.97% -18.38% 91.24%
EPS Growth		 20.00% -21.67% -73.40% 178.00% 164.03% -20.16% 50.85% -23.98% -7.74% -19.03% 88.84%
Operating Cash Flow Growth		 -7.43% 11.78% 9.40% -42.76% 103.89% -66.07% 309.46% -4.19% 5.23% -18.11% 16.95%
Free Cash Flow Firm Growth		 -58.33% -286.38% 230.49% -89.66% 143.06% -449.46% 131.53% 650.86% -332.61% 46.78% 99.38%
Invested Capital Growth		 -1.09% 26.39% -18.20% 2.82% 7.71% 29.17% 7.24% -24.25% 110.58% 29.32% 5.95%
Revenue Q/Q Growth		 0.27% 1.79% 1.72% 1.64% 3.29% -0.53% 1.30% 3.43% -0.34% -3.52% 9.79%
EBITDA Q/Q Growth		 -6.22% -6.97% -47.39% 724.43% 3.74% 10.99% -8.87% 2.67% -2.30% -15.93% 28.97%
EBIT Q/Q Growth		 -5.80% -9.03% -58.35% 230.59% 4.77% 1.42% -4.72% 0.88% -1.27% -20.49% 35.62%
NOPAT Q/Q Growth		 4.29% -6.28% -80.51% 291.72% 3.81% 1.24% -4.38% 0.43% -1.78% -21.19% 35.45%
Net Income Q/Q Growth		 4.29% -6.28% -80.51% 223.96% 3.81% 1.24% -4.38% 0.43% -1.78% -21.19% 35.45%
EPS Q/Q Growth		 3.90% -6.47% -80.54% 221.93% 4.26% 1.03% -4.54% 0.30% -1.59% -20.82% 34.66%
Operating Cash Flow Q/Q Growth		 -7.40% 12.75% -13.32% 102.53% -13.36% -5.02% -5.66% 24.82% -5.60% -7.26% -3.91%
Free Cash Flow Firm Q/Q Growth		 -3.27% -572.56% 131.78% -60.95% 102.29% -19.75% 6.61% -2.95% -30.70% 52.67% -100.93%
Invested Capital Q/Q Growth		 -1.97% 12.24% -7.57% 3.83% 1.13% 3.53% 2.46% 4.74% 15.29% -11.04% 2.36%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.92% 26.77% 17.85% 16.89% 37.54% 31.43% 39.57% 34.63% 29.79% 25.87% 32.32%
EBIT Margin		 27.79% 20.26% 11.58% 11.19% 33.01% 22.89% 35.87% 26.18% 23.20% 18.71% 29.43%
Profit (Net Income) Margin		 22.73% 17.45% 4.39% 11.50% 28.00% 22.44% 30.57% 22.35% 19.85% 15.59% 23.90%
Tax Burden Percent		 81.80% 86.13% 37.90% 102.77% 84.84% 98.02% 85.24% 85.38% 86.32% 83.36% 80.81%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 99.15% 99.94% 100.50%
Effective Tax Rate		 18.20% 13.87% 62.10% -2.77% 15.16% 1.98% 14.76% 14.62% 13.68% 16.64% 19.19%
Return on Invested Capital (ROIC)		 9.11% 6.41% 1.70% 5.25% 13.11% 8.76% 11.49% 9.62% 6.54% 3.44% 5.66%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.11% 6.41% 1.70% 0.00% 0.00% 8.76% 11.49% 9.62% 6.54% 3.44% 5.66%
Return on Net Nonoperating Assets (RNNOA)		 0.39% 0.68% 0.18% 0.00% 0.00% 0.63% 1.49% 1.39% 4.50% 4.58% 7.61%
Return on Equity (ROE)		 9.50% 7.10% 1.88% 0.00% 0.00% 9.39% 12.98% 11.01% 11.04% 8.02% 13.27%
Cash Return on Invested Capital (CROIC)		 10.20% -16.90% 21.72% 2.46% 5.68% -16.70% 4.51% 37.21% -64.66% -22.13% -0.12%
Operating Return on Assets (OROA)		 1.23% 0.87% 0.50% 0.50% 1.53% 0.93% 1.39% 1.01% 0.90% 0.66% 1.18%
Return on Assets (ROA)		 1.00% 0.75% 0.19% 0.51% 1.30% 0.91% 1.19% 0.86% 0.77% 0.55% 0.96%
Return on Common Equity (ROCE)		 9.50% 7.10% 1.88% 0.00% 0.00% 9.39% 12.98% 11.01% 11.04% 8.02% 13.27%
Return on Equity Simple (ROE_SIMPLE)		 9.16% 6.94% 1.89% 5.17% 12.64% 8.82% 12.49% 13.08% 10.29% 7.67% 12.11%
Net Operating Profit after Tax (NOPAT)		 10 8.09 2.18 6.13 16 13 20 15 14 11 21
NOPAT Margin		 22.73% 17.45% 4.39% 11.50% 28.00% 22.44% 30.57% 22.35% 19.85% 15.59% 23.90%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.59% 52.85% 51.88% 47.38% 48.18% 49.01% 47.23% 51.58% 52.11% 55.71% 47.63%
Operating Expenses to Revenue		 69.35% 71.59% 87.07% 70.13% 66.58% 69.00% 67.40% 72.85% 73.02% 78.51% 67.16%
Earnings before Interest and Taxes (EBIT)		 12 9.39 5.74 5.96 19 13 23 17 16 13 26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 12 8.85 9.00 22 18 25 23 20 18 29
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.61 0.59 0.60 1.00 1.08 0.70 0.83 1.29 0.99 0.90 1.27
Price to Tangible Book Value (P/TBV)		 0.67 0.64 0.66 1.09 1.17 0.75 0.89 1.40 1.06 0.96 1.34
Price to Revenue (P/Rev)		 1.52 1.49 1.40 2.23 2.40 1.78 2.04 2.20 1.91 1.84 2.50
Price to Earnings (P/E)		 6.69 8.52 32.01 19.40 8.58 7.92 6.68 9.86 9.64 11.79 10.46
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 2.83% 5.17% 4.23% 3.81% 4.26% 4.32% 2.64%
Earnings Yield		 14.95% 11.74% 3.12% 5.16% 11.66% 12.62% 14.96% 10.14% 10.37% 8.48% 9.56%
Enterprise Value to Invested Capital (EV/IC)		 0.26 0.40 0.10 0.56 0.36 0.31 0.00 0.66 0.89 0.40 0.79
Enterprise Value to Revenue (EV/Rev)		 0.65 1.22 0.22 1.24 0.79 0.90 0.00 1.32 3.67 2.04 3.42
Enterprise Value to EBITDA (EV/EBITDA)		 1.86 4.55 1.25 7.32 2.11 2.85 0.00 3.80 12.32 7.90 10.59
Enterprise Value to EBIT (EV/EBIT)		 2.33 6.02 1.92 11.05 2.40 3.91 0.00 5.03 15.82 10.92 11.63
Enterprise Value to NOPAT (EV/NOPAT)		 2.85 6.98 5.08 10.75 2.83 3.99 0.00 5.89 18.49 13.11 14.32
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.19 3.80 0.68 7.08 2.41 7.94 0.00 3.49 9.46 6.69 11.95
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.55 0.00 0.40 22.92 6.54 0.00 0.00 1.52 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.21 0.00 0.00 0.00 0.13 0.12 0.17 1.13 1.52 1.20
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.13 0.12 0.17 1.13 1.52 1.20
Financial Leverage		 0.04 0.11 0.10 0.00 0.00 0.07 0.13 0.14 0.69 1.33 1.35
Leverage Ratio		 9.48 9.49 9.96 10.23 10.08 10.28 10.95 12.80 14.35 14.57 13.87
Compound Leverage Factor		 9.48 9.49 9.96 10.23 10.08 10.28 10.95 12.80 14.23 14.56 13.94
Debt to Total Capital		 0.00% 17.24% 0.00% 0.00% 0.00% 11.87% 11.09% 14.66% 53.11% 60.29% 54.61%
Short-Term Debt to Total Capital		 0.00% 17.24% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 11.87% 11.09% 14.66% 53.11% 60.29% 54.61%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 82.76% 100.00% 100.00% 100.00% 88.13% 88.91% 85.34% 46.89% 39.71% 45.39%
Debt to EBITDA		 0.00 1.96 0.00 0.00 0.00 1.09 0.77 0.85 7.33 11.93 7.34
Net Debt to EBITDA		 0.00 -1.00 0.00 0.00 0.00 -2.81 -6.54 -2.56 5.90 0.79 2.86
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 1.09 0.77 0.85 7.33 11.93 7.34
Debt to NOPAT		 0.00 3.00 0.00 0.00 0.00 1.53 1.00 1.31 11.01 19.79 9.93
Net Debt to NOPAT		 0.00 -1.53 0.00 0.00 0.00 -3.93 -8.47 -3.97 8.85 1.31 3.87
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 1.53 1.00 1.31 11.01 19.79 9.93
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 11 -21 28 2.87 6.98 -24 7.69 58 -134 -72 -0.45
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 4.82 -9.49 11.16 0.68 0.98 -6.13 2.65 11.88 -5.81 -1.63 -0.01
Operating Cash Flow to Interest Expense		 5.61 6.62 6.52 2.21 2.67 1.62 9.08 5.19 1.15 0.50 0.57
Operating Cash Flow Less CapEx to Interest Expense		 5.61 6.62 6.52 2.21 2.67 1.62 9.08 5.19 1.15 0.50 0.57
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.05 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.01 3.22 3.57 3.91 4.20 4.23 3.97 2.72 2.34 2.47 3.16
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 111 141 115 118 128 165 177 134 282 364 386
Invested Capital Turnover		 0.40 0.37 0.39 0.46 0.47 0.39 0.38 0.43 0.33 0.22 0.24
Increase / (Decrease) in Invested Capital		 -1.22 29 -26 3.25 9.13 37 12 -43 148 83 22
Enterprise Value (EV)		 29 56 11 66 46 51 -35 88 251 145 304
Market Capitalization		 68 69 70 119 138 101 131 147 131 131 222
Book Value per Share		 $26.14 $27.10 $26.48 $26.91 $29.35 $33.20 $35.44 $26.03 $30.30 $32.77 $39.12
Tangible Book Value per Share		 $24.02 $25.00 $24.41 $24.86 $27.27 $31.14 $33.40 $23.98 $28.23 $30.73 $37.11
Total Capital		 111 141 115 118 128 165 177 134 282 364 386
Total Debt		 0.00 24 0.00 0.00 0.00 20 20 20 150 220 211
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 20 20 20 150 220 211
Net Debt		 -39 -12 -59 -53 -93 -50 -166 -59 120 15 82
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 24 0.00 0.00 0.00 20 20 20 150 220 211
Total Depreciation and Amortization (D&A)		 3.20 3.02 3.11 3.04 2.61 4.87 2.37 5.65 4.52 5.10 2.57
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.40 $1.88 $0.50 $1.40 $3.68 $2.94 $0.00 $3.38 $0.00 $2.52 $4.76
Adjusted Weighted Average Basic Shares Outstanding		 4.29M 4.32M 4.36M 4.41M 4.36M 4.40M 0.00 4.40M 0.00 4.44M 4.48M
Adjusted Diluted Earnings per Share		 $2.40 $1.88 $0.50 $1.39 $3.67 $2.93 $0.00 $3.36 $0.00 $2.51 $4.74
Adjusted Weighted Average Diluted Shares Outstanding		 4.29M 4.32M 4.36M 4.41M 4.36M 4.40M 0.00 4.40M 0.00 4.44M 4.48M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.68 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.29M 4.32M 4.36M 4.41M 4.36M 4.40M 0.00 4.40M 0.00 4.44M 4.48M
Normalized Net Operating Profit after Tax (NOPAT)		 10 8.09 4.02 4.17 16 13 20 15 14 11 21
Normalized NOPAT Margin		 22.73% 17.45% 8.11% 7.83% 28.00% 22.44% 30.57% 22.35% 19.85% 15.59% 23.90%
Pre Tax Income Margin		 27.79% 20.26% 11.58% 11.19% 33.01% 22.89% 35.87% 26.18% 23.00% 18.70% 29.57%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.26 4.18 2.30 1.41 2.67 3.28 7.93 3.60 0.69 0.30 0.58
NOPAT to Interest Expense		 4.30 3.60 0.87 1.45 2.27 3.22 6.76 3.07 0.59 0.25 0.47
EBIT Less CapEx to Interest Expense		 5.26 4.18 2.30 1.41 2.67 3.28 7.93 3.60 0.69 0.30 0.58
NOPAT Less CapEx to Interest Expense		 4.30 3.60 0.87 1.45 2.27 3.22 6.76 3.07 0.59 0.25 0.47
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 18.55% 22.90% 139.71% 51.93% 31.74% 26.48% 15.99% 28.40% 31.18% 34.96% 21.77%
Augmented Payout Ratio		 18.55% 32.73% 139.71% 53.37% 55.61% 35.63% 22.07% 50.72% 48.79% 42.41% 26.97%

Quarterly Metrics And Ratios for Franklin Financial Services

This table displays calculated financial ratios and metrics derived from Franklin Financial Services' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 4,350,689.00 4,361,559.00 8,767,440.00 4,395,702.00 4,408,901.00 - 4,440,442.00 4,458,298.00 4,476,651.00 4,479,037.00 4,482,893.00
DEI Adjusted Shares Outstanding		 4,350,689.00 4,361,559.00 8,767,440.00 4,395,702.00 4,408,901.00 - 4,440,442.00 4,458,298.00 4,476,651.00 4,479,037.00 4,482,893.00
DEI Earnings Per Adjusted Shares Outstanding		 0.89 0.80 0.38 0.69 0.96 - 0.88 1.33 1.20 1.35 1.48
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.03% -1.28% 10.45% 10.98% 10.07% -14.44% 13.68% 20.37% 17.94% 51.49% 18.41%
EBITDA Growth		 -24.86% -8.39% 12.03% 1.80% 18.47% -69.00% 0.55% 56.59% 15.13% 400.81% 64.03%
EBIT Growth		 -15.74% -4.67% 12.89% 3.18% 9.84% -85.67% 22.03% 97.76% 29.16% 1,189.77% 71.99%
NOPAT Growth		 -16.67% -6.62% 2.10% 1.92% 9.30% -85.97% 16.69% 94.79% 26.93% 1,140.66% 69.22%
Net Income Growth		 -16.67% -6.62% 2.10% 1.92% 9.30% -85.97% 16.69% 94.79% 26.93% 1,140.66% 69.22%
EPS Growth		 -16.19% -5.95% 2.67% -2.94% 7.95% -83.54% 14.29% 100.00% 25.26% 938.46% 68.18%
Operating Cash Flow Growth		 -14.22% -21.01% -5.35% -57.09% 7.47% -28.75% 20.80% 111.23% 6.39% -24.53% 173.09%
Free Cash Flow Firm Growth		 -328.87% -410.43% -615.02% -244.50% -42.72% 43.16% 128.12% 129.15% 123.47% 80.97% -117.77%
Invested Capital Growth		 91.30% 110.58% 124.57% 108.43% 67.59% 29.32% -14.47% -13.61% -7.92% 5.95% 4.98%
Revenue Q/Q Growth		 5.96% 1.48% -1.34% 4.62% 5.09% -21.12% 31.08% 10.77% 2.97% 1.33% 2.45%
EBITDA Q/Q Growth		 8.25% -1.87% 3.33% -7.26% 25.97% -74.32% 239.34% 44.43% -7.38% 10.32% 11.14%
EBIT Q/Q Growth		 31.08% -10.52% -4.78% -7.61% 39.54% -88.33% 738.99% 49.72% -8.87% 12.67% 11.88%
NOPAT Q/Q Growth		 29.67% -10.05% -3.17% -9.76% 39.07% -88.45% 705.34% 50.64% -9.38% 12.85% 9.85%
Net Income Q/Q Growth		 29.67% -10.05% -3.17% -9.76% 39.07% -88.45% 705.34% 50.64% -9.38% 12.85% 9.85%
EPS Q/Q Growth		 29.41% -10.23% -2.53% -14.29% 43.94% -86.32% 576.92% 50.00% -9.85% 13.45% 9.63%
Operating Cash Flow Q/Q Growth		 28.03% -18.38% 23.32% -66.70% 220.68% -45.89% 109.08% -41.78% 61.51% -61.61% 656.51%
Free Cash Flow Firm Q/Q Growth		 -73.44% -28.11% -64.24% 5.60% 28.15% 48.98% 181.25% -2.12% -42.14% -141.36% 24.15%
Invested Capital Q/Q Growth		 16.72% 15.29% 53.98% 0.59% -6.16% -11.04% 1.83% 1.61% 0.03% 2.36% 0.91%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.22% 29.22% 30.61% 27.13% 32.53% 10.59% 27.07% 35.30% 31.75% 34.57% 37.50%
EBIT Margin		 26.28% 23.17% 22.36% 19.75% 26.22% 3.88% 24.00% 32.44% 28.71% 31.93% 34.86%
Profit (Net Income) Margin		 21.78% 19.30% 18.94% 16.34% 21.63% 3.17% 19.45% 26.44% 23.27% 25.92% 27.79%
Tax Burden Percent		 83.04% 85.75% 83.92% 82.44% 82.66% 88.87% 81.50% 80.74% 80.41% 80.78% 79.90%
Interest Burden Percent		 99.81% 97.17% 100.96% 100.38% 99.78% 91.79% 99.40% 100.95% 100.80% 100.51% 99.77%
Effective Tax Rate		 16.96% 14.25% 16.08% 17.56% 17.34% 11.13% 18.50% 19.26% 19.59% 19.22% 20.10%
Return on Invested Capital (ROIC)		 8.04% 6.36% 4.24% 3.64% 4.88% 0.70% 3.56% 5.03% 4.79% 6.14% 6.76%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.04% 6.36% 4.24% 3.64% 4.88% 0.70% 3.56% 5.03% 4.79% 6.14% 6.76%
Return on Net Nonoperating Assets (RNNOA)		 5.39% 4.37% 6.07% 5.53% 7.18% 0.93% 6.47% 8.88% 7.12% 8.26% 8.82%
Return on Equity (ROE)		 13.43% 10.73% 10.31% 9.17% 12.06% 1.63% 10.02% 13.92% 11.91% 14.39% 15.58%
Cash Return on Invested Capital (CROIC)		 -55.25% -64.66% -72.40% -66.06% -46.21% -22.13% 18.50% 18.18% 12.23% -0.12% 1.43%
Operating Return on Assets (OROA)		 0.98% 0.90% 0.84% 0.75% 0.97% 0.14% 0.83% 1.16% 1.04% 1.28% 1.42%
Return on Assets (ROA)		 0.81% 0.75% 0.71% 0.62% 0.80% 0.11% 0.67% 0.95% 0.85% 1.04% 1.13%
Return on Common Equity (ROCE)		 13.43% 10.73% 10.31% 9.17% 12.06% 1.63% 10.02% 13.92% 11.91% 14.39% 15.58%
Return on Equity Simple (ROE_SIMPLE)		 12.06% 0.00% 10.18% 10.03% 9.39% 0.00% 7.70% 9.24% 9.42% 0.00% 13.39%
Net Operating Profit after Tax (NOPAT)		 3.86 3.47 3.36 3.03 4.22 0.49 3.92 5.91 5.35 6.04 6.64
NOPAT Margin		 21.78% 19.30% 18.94% 16.34% 21.63% 3.17% 19.45% 26.44% 23.27% 25.92% 27.79%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.15% 51.71% 53.77% 55.38% 50.08% 65.48% 50.92% 46.87% 47.50% 45.64% 45.34%
Operating Expenses to Revenue		 68.84% 73.11% 74.88% 77.24% 71.35% 93.19% 72.28% 64.41% 65.85% 66.68% 64.29%
Earnings before Interest and Taxes (EBIT)		 4.66 4.17 3.97 3.67 5.11 0.60 4.84 7.25 6.61 7.44 8.33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.36 5.26 5.43 5.04 6.34 1.63 5.46 7.89 7.30 8.06 8.96
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.03 0.99 0.82 0.87 0.85 0.90 1.00 0.97 1.23 1.27 1.27
Price to Tangible Book Value (P/TBV)		 1.12 1.06 0.87 0.93 0.90 0.96 1.07 1.03 1.30 1.34 1.34
Price to Revenue (P/Rev)		 1.72 1.91 1.56 1.65 1.73 1.84 2.06 1.98 2.53 2.50 2.46
Price to Earnings (P/E)		 8.52 9.64 8.01 8.66 9.04 11.79 13.01 10.53 13.05 10.46 9.51
Dividend Yield		 4.72% 4.26% 5.12% 4.73% 4.43% 4.32% 3.75% 3.76% 2.85% 2.64% 2.60%
Earnings Yield		 11.74% 10.37% 12.48% 11.55% 11.06% 8.48% 7.69% 9.49% 7.66% 9.56% 10.52%
Enterprise Value to Invested Capital (EV/IC)		 0.68 0.89 0.47 0.54 0.36 0.40 0.39 0.44 0.60 0.79 0.58
Enterprise Value to Revenue (EV/Rev)		 2.41 3.67 2.92 3.29 2.02 2.04 1.97 2.12 2.80 3.42 2.45
Enterprise Value to EBITDA (EV/EBITDA)		 7.95 12.32 9.76 11.24 6.75 7.90 7.87 7.70 10.16 10.59 7.05
Enterprise Value to EBIT (EV/EBIT)		 10.31 15.82 12.54 14.39 8.81 10.92 10.23 9.23 11.74 11.63 7.66
Enterprise Value to NOPAT (EV/NOPAT)		 11.99 18.49 14.99 17.25 10.58 13.11 12.45 11.29 14.43 14.32 9.48
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.90 9.46 7.83 10.33 6.35 6.69 6.24 6.31 8.54 11.95 5.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 1.95 2.22 4.70 0.00 41.65
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.13 1.13 2.23 2.19 1.73 1.52 1.45 1.40 1.27 1.20 1.18
Long-Term Debt to Equity		 0.17 1.13 2.23 2.19 1.73 1.52 1.45 1.40 1.27 1.20 1.18
Financial Leverage		 0.67 0.69 1.43 1.52 1.47 1.33 1.82 1.77 1.49 1.35 1.30
Leverage Ratio		 16.49 14.35 14.44 14.71 15.03 14.57 14.95 14.71 14.07 13.87 13.80
Compound Leverage Factor		 16.45 13.95 14.58 14.77 15.00 13.37 14.86 14.85 14.18 13.94 13.77
Debt to Total Capital		 53.04% 53.11% 69.06% 68.66% 63.40% 60.29% 59.20% 58.27% 55.90% 54.61% 54.12%
Short-Term Debt to Total Capital		 45.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 8.04% 53.11% 69.06% 68.66% 63.40% 60.29% 59.20% 58.27% 55.90% 54.61% 54.12%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 46.96% 46.89% 30.94% 31.34% 36.60% 39.71% 40.80% 41.73% 44.10% 45.39% 45.88%
Debt to EBITDA		 6.21 7.33 14.28 14.22 11.77 11.93 11.91 10.32 9.47 7.34 6.55
Net Debt to EBITDA		 2.30 5.90 4.54 5.60 0.98 0.79 -0.35 0.51 0.97 2.86 -0.02
Long-Term Debt to EBITDA		 0.94 7.33 14.28 14.22 11.77 11.93 11.91 10.32 9.47 7.34 6.55
Debt to NOPAT		 9.37 11.01 21.93 21.84 18.44 19.79 18.84 15.12 13.45 9.93 8.81
Net Debt to NOPAT		 3.47 8.85 6.97 8.60 1.54 1.31 -0.56 0.75 1.38 3.87 -0.03
Long-Term Debt to NOPAT		 1.42 11.01 21.93 21.84 18.44 19.79 18.84 15.12 13.45 9.93 8.81
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -113 -145 -237 -224 -161 -82 67 65 38 -16 -12
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -17.50 -18.97 -23.14 -21.29 -14.12 -6.98 5.83 5.75 3.29 -1.50 -1.28
Operating Cash Flow to Interest Expense		 1.13 0.78 0.71 0.23 0.68 0.36 0.77 0.45 0.72 0.31 2.61
Operating Cash Flow Less CapEx to Interest Expense		 1.13 0.78 0.71 0.23 0.68 0.36 0.77 0.45 0.72 0.31 2.69
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.36 2.34 2.40 2.47 2.54 2.47 2.55 2.70 2.81 3.16 3.33
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 244 282 434 436 410 364 371 377 377 386 390
Invested Capital Turnover		 0.37 0.33 0.22 0.22 0.23 0.22 0.18 0.19 0.21 0.24 0.24
Increase / (Decrease) in Invested Capital		 117 148 241 227 165 83 -63 -59 -32 22 18
Enterprise Value (EV)		 166 251 205 237 149 145 145 164 226 304 227
Market Capitalization		 118 131 110 119 127 131 152 153 204 222 228
Book Value per Share		 $26.38 $30.30 $30.62 $31.12 $34.01 $32.77 $34.09 $35.30 $37.16 $39.12 $39.87
Tangible Book Value per Share		 $24.31 $28.23 $28.57 $29.07 $31.96 $30.73 $32.06 $33.27 $35.14 $37.11 $37.86
Total Capital		 244 282 434 436 410 364 371 377 377 386 390
Total Debt		 130 150 300 300 260 220 220 220 211 211 211
Total Long-Term Debt		 20 150 300 300 260 220 220 220 211 211 211
Net Debt		 48 120 95 118 22 15 -6.50 11 22 82 -0.68
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.83
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 130 150 300 300 260 220 220 220 211 211 211
Total Depreciation and Amortization (D&A)		 0.70 1.09 1.46 1.37 1.23 1.03 0.62 0.64 0.70 0.62 0.63
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.89 $0.79 $0.77 $0.67 $0.96 $0.12 $0.88 $1.32 $1.20 $1.36 $1.48
Adjusted Weighted Average Basic Shares Outstanding		 4.36M 4.38M 4.40M 4.41M 4.42M 4.44M 4.46M 4.48M 4.48M 4.48M 4.49M
Adjusted Diluted Earnings per Share		 $0.88 $0.79 $0.77 $0.66 $0.95 $0.13 $0.88 $1.32 $1.19 $1.35 $1.48
Adjusted Weighted Average Diluted Shares Outstanding		 4.36M 4.38M 4.40M 4.41M 4.42M 4.44M 4.46M 4.48M 4.48M 4.48M 4.49M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.36M 4.38M 4.40M 4.41M 4.42M 4.44M 4.46M 4.48M 4.48M 4.48M 4.49M
Normalized Net Operating Profit after Tax (NOPAT)		 3.86 3.47 3.36 3.03 4.22 0.49 3.92 5.91 5.35 6.04 6.64
Normalized NOPAT Margin		 21.78% 19.30% 18.94% 16.34% 21.63% 3.17% 19.45% 26.44% 23.27% 25.92% 27.79%
Pre Tax Income Margin		 26.22% 22.51% 22.57% 19.82% 26.16% 3.56% 23.86% 32.75% 28.94% 32.09% 34.79%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.72 0.55 0.39 0.35 0.45 0.05 0.42 0.64 0.58 0.71 0.90
NOPAT to Interest Expense		 0.60 0.46 0.33 0.29 0.37 0.04 0.34 0.52 0.47 0.58 0.72
EBIT Less CapEx to Interest Expense		 0.72 0.55 0.39 0.35 0.45 0.05 0.42 0.64 0.58 0.71 0.99
NOPAT Less CapEx to Interest Expense		 0.60 0.46 0.33 0.29 0.37 0.04 0.34 0.52 0.47 0.58 0.81
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 29.19% 31.18% 30.60% 28.39% 27.68% 34.96% 32.45% 30.30% 28.71% 21.77% 20.31%
Augmented Payout Ratio		 51.32% 48.79% 46.09% 31.59% 31.91% 42.41% 40.43% 35.98% 34.89% 26.97% 26.02%

Financials Breakdown Chart

Key Financial Trends

Franklin Financial Services (NASDAQ: FRAF) showed solid quarterly profitability in Q1 2026, but the bigger picture is a bank that is still managing pressure from funding costs, deposit mix changes, and a highly volatile securities book. Earnings improved year over year, yet balance sheet trends suggest investors should watch margins, deposits, and capital closely.

  • Q1 2026 net income rose to $6.6 million, up from $4.2 million in Q3 2025 and $3.9 million in Q1 2025, showing better near-term profitability.
  • Revenue improved year over year in Q1 2026 to $23.9 million from $20.2 million in Q1 2025, helped by stronger net interest income and non-interest income.
  • Net interest income increased to $18.5 million in Q1 2026 from $15.6 million a year earlier, suggesting better core banking earnings momentum.
  • Operating cash flow was strong at $24.1 million in Q1 2026, well above Q1 2025’s $8.8 million, which is a healthy sign for a bank’s earnings quality.
  • Deposit balances increased quarter over quarter in Q1 2026, with total deposits rising as the company reported a $53.9 million net increase in deposits on the cash flow statement.
  • Tangible equity improved sequentially, with total common equity rising to $178.7 million in Q1 2026 from $166.3 million in Q3 2025.
  • Loan balances continued to grow, reaching $1.57 billion in Q1 2026 versus $1.46 billion in Q1 2025, supporting asset growth but also increasing credit exposure.
  • Allowance for loan losses also increased to $20.7 million in Q1 2026 from $18.4 million a year earlier, which may reflect more cautious credit provisioning.
  • Non-interest income remains meaningful, led by trust fees, service charges, and securities gains, which helps diversify earnings beyond lending.
  • Net interest margin pressure remains a risk because deposit and borrowing costs are still elevated, and interest expense has stayed high relative to interest income over the past year.
  • The securities portfolio has been volatile, with trading account securities swinging materially from quarter to quarter, which can create earnings noise and balance sheet risk.
  • Cash and equivalents fell sharply from recent peaks, dropping to $210.8 million in Q1 2026 from $224.9 million in Q1 2025, while total cash also showed wide swings over the last year.
  • Long-term debt remains significant at $210.9 million, and the company has used debt repayment and issuance actively, suggesting funding management is still an ongoing issue.

Bottom line: FRAF appears to be generating decent earnings and cash flow right now, but its results still depend heavily on funding discipline, deposit stability, and the performance of its investment portfolio. For retail investors, the stock looks like a bank with improving short-term earnings, but not yet a clean, low-volatility story.

07/30/26 10:41 AM ETAI Generated. May Contain Errors.

Franklin Financial Services Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Franklin Financial Services' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Franklin Financial Services' net income appears to be on an upward trend, with a most recent value of $21.23 million in 2025, rising from $10.20 million in 2015. The previous period was $11.10 million in 2024. See where experts think Franklin Financial Services is headed by visiting Franklin Financial Services' forecast page.

Over the last 10 years, Franklin Financial Services' total revenue changed from $44.90 million in 2015 to $88.82 million in 2025, a change of 97.8%.

Franklin Financial Services' total liabilities were at $2.06 billion at the end of 2025, a 0.5% increase from 2024, and a 123.4% increase since 2015.

In the past 10 years, Franklin Financial Services' cash and equivalents has ranged from $16.89 million in 2016 to $203.61 million in 2024, and is currently $127.72 million as of their latest financial filing in 2025.

Over the last 10 years, Franklin Financial Services' book value per share changed from 26.14 in 2015 to 39.12 in 2025, a change of 49.7%.


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Financial statements for NASDAQ:FRAF last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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