Franklin Financial Services Corporation

Franklin Financial Services Corporation (FRAF) Market Cap

Franklin Financial Services Corporation has a market capitalization of $254.2M.

Financials based on reported quarter end 2025-12-31

Price: $56.59

โ–ผ -0.94 (-1.63%)

Market Cap: 254.20M

NASDAQ ยท time unavailable

CEO: Craig W. Best

Sector: Financial Services

Industry: Banks - Regional

IPO Date: 1994-04-06

Website: https://www.franklinfin.com

Franklin Financial Services Corporation (FRAF) - Company Information

Market Cap: 254.20M ยท Sector: Financial Services

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, agricultural, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans to consumers; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, as well as custodial services; sells mutual funds, annuities, and insurance products; and offers safe deposit facilities and fiduciary services. Further, the company, through its subsidiary, Franklin Future Fund Inc., operates as a non-bank investment company that makes venture capital investments. It operates twenty-two community banking offices in Franklin, Cumberland, Fulton, and Huntingdon counties, Pennsylvania. Franklin Financial Services Corporation was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

Analyst Sentiment

83%
Strong Buy

Based on 1 ratings

Consensus Price Target

No data available

Price & Moving Averages

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Fundamentals Overview

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๐Ÿ“Š AI Financial Analysis

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Earnings Data: Q Ending 2025-12-31

"FRAF reported revenue of $33.74M and a net income of $6.043M for the fiscal year ending December 31, 2025. The company has a commendable EPS of $1.35, suggesting effective earnings generation relative to shares outstanding. While the operating cash flow stands at $3.185M, there is a robust free cash flow of $3.201M post capital expenditures amounting to only $16k. The balance sheet reflects total assets of $2.239B against total liabilities of -$166.34M, indicating strong financial health with a solid equity position of $166.34M and a net debt that is negative at -$18.606M. Shareholder returns are supported by a consistent dividend payout of $0.33 per share across several quarters, though the total return has been significantly bolstered by a 39.16% increase in stock price over the past year, reflecting strong market performance. Overall, the company exhibits a strong operational performance, an encouraging outlook, and delivers positive results for shareholders."

Revenue Growth

Good

Revenue of $33.74M shows solid growth potential.

Profitability

Good

Net income of $6.043M indicates good profitability.

Cash Flow Quality

Positive

Operating cash flow is positive with strong free cash flow.

Leverage & Balance Sheet

Strong

Negative net debt and solid equity suggest strong leverage position.

Shareholder Returns

Strong

39.16% price appreciation signifies excellent shareholder returns.

Analyst Sentiment & Valuation

Positive

Valuation remains favorable with growing market interest.

Disclaimer:This analysis is AI-generated for informational purposes only. Accuracy is not guaranteed and this does not constitute financial advice.

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SEC Filings (FRAF)

ยฉ 2026 Stock Market Info โ€” Franklin Financial Services Corporation (FRAF) Financial Profile