Franklin Financial Services (FRAF) Financials

$61.28 +0.30 (+0.49%)

Closing price 07/9/2026 04:00 PM Eastern

Extended Trading

$61.28 +0.00 (+0.00%)

As of 04:09 AM Eastern

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

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

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

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

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

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

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%

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

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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Franklin Financial Services (FRAF) Financials

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Franklin Financial Services Financials - Frequently Asked Questions

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Franklin Financial Services (FRAF) Financials

Annual Income Statements for Franklin Financial Services

Quarterly Income Statements for Franklin Financial Services

Annual Cash Flow Statements for Franklin Financial Services

Quarterly Cash Flow Statements for Franklin Financial Services

Annual Balance Sheets for Franklin Financial Services

Quarterly Balance Sheets for Franklin Financial Services

Annual Metrics And Ratios for Franklin Financial Services

Quarterly Metrics And Ratios for Franklin Financial Services

Financials Breakdown Chart

Franklin Financial Services Financials - Frequently Asked Questions

When does Franklin Financial Services' financial year end?

How has Franklin Financial Services' net income changed over the last 10 years?

How has Franklin Financial Services' revenue changed over the last 10 years?

How much debt does Franklin Financial Services have?

How much cash does Franklin Financial Services have?

How has Franklin Financial Services' book value per share changed over the last 10 years?

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