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Franklin Financial Services(NASDAQ) FRAF

Current Price$61.62
Market Cap$285.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1990)+3,795%
5 Year+134%
1 Year+62%
1 Month+3%
Franklin Financial Services last closing stock price
MetricPriceDate
Last closeUSD 63.502026-07-21
Franklin Financial Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.73%USD 61.822026-07-14
1 month+3.34%USD 61.452026-06-18
3 month+13.34%USD 56.022026-04-22
Year to date+28.16%USD 49.552025-12-31
1 year+61.96%USD 39.212025-07-21
3 year+140.21%USD 26.442023-07-21
5 year+134.2%USD 27.112021-07-22
Since inception+3,795.02%USD 1.631990-10-25

Franklin Financial Services Financials at a Glance

Market Cap

$285.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$134.37M

Net Income (TTM)

$23.94M

EPS (TTM)

$5.34

P/E Ratio

11.89

Dividend

$1.33

Beta (Volatility)

0.24 (Low)

Price

$61.62

Volume

619

Open

$62.93

Previous Close

$61.62

Daily Range

$60.60 - $62.93

52-Week Range

$38.52 - $64.88

Estimated Earnings Date

Jul 24, 2026

FRAF News

No articles available.

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About Franklin Financial Services

Franklin Financial helps people and local businesses manage their money. The bank provides loans for homes, farms, and business growth. It also offers expert help with retirement and estate planning.

How the Bank Serves Clients

  • Commercial Lending: Loans for equipment, inventory, and real estate tailored for small and medium-sized businesses.
  • Wealth Management: Estate planning, trust fund management, and retirement services; generated $2.3 million in revenue during the first quarter of 2026.
  • Consumer Banking: Personal accounts, savings products, and residential mortgages for individuals and families in Pennsylvania.
  • Venture Capital: Strategic investments in non-bank companies through the Franklin Future Fund subsidiary.

Where the Company Is Growing

  • Grew the total loan portfolio to $1.57 billion as of March 31, 2026.
  • Maintained a physical footprint of twenty-two community banking offices across four Pennsylvania counties.
  • Terminated interest rate swap contracts in March 2026 to recognize $69,000 in investment income.
  • Utilized Franklin Financial Properties Corp to manage real estate assets used for bank operations.

What Sets the Bank Apart

The company maintains a high level of capital stability, holding a capital conservation buffer of 5.64% as of March 2026, which is extra money kept to ensure stability during economic stress. It operates a diversified business model that combines traditional local banking with specialized fiduciary and trust services through the Farmers and Merchants Trust Company.

Performance by the Numbers

  • Net income reached $6.6 million in the first quarter of 2026, up 69.2% from $3.9 million in the same period of 2025.
  • Total deposits climbed to $1.89 billion by March 31, 2026, compared to $1.84 billion at the end of 2025.
  • Free cash flow hit $24 million in the first quarter of 2026, up 179.6% year-over-year.
  • Total assets reached $2.3 billion by March 31, 2026, supported by growth in cash and interest-earning deposits.

Bottom Line

Franklin Financial has transitioned into a multi-faceted regional bank with significant wealth management and commercial lending operations. Its focus on local Pennsylvania markets and high capital reserves supports its continued role as a regional financial provider.

AI Generated • May 19, 2026

Industry

Banks

Sector

Financials

Employees

306

CEO

Craig W. Best

Website

www.franklinfin.com

Headquarters

Chambersburg, PA 17201-0819, US

FRAF Financials

Key Financial Metrics (TTM)

Gross Margin

66.61%

Operating Margin

22.15%

Net Income Margin

17.82%

Return on Equity

14.13%

Return on Capital

6.74%

Return on Assets

1.04%

Earnings Yield

8.41%

Dividend Yield

2.09%

Payout Ratio

24.67%

Stock Overview

Market Cap

$285.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.49M

Volume

619

Avg. Volume

32.20K

Financials (TTM)

Gross Profit

$89.50M

Operating Income

$29.76M

EBITDA

$31.89M

Operating Cash Flow

$40.71M

Capital Expenditure

-$736.00K

Free Cash Flow

$39.98M

Cash & ST Invst.

$23.98M

Total Debt

$215.24M

Franklin Financial Services Performance Analysis

Franklin Financial Services annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 71,750,00010.1%
20232023-12-31USD 91,596,00027.7%
20242024-12-31USD 114,920,00025.5%
20252025-12-31USD 133,554,00016.2%
Franklin Financial Services sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-306.6%
Q32025-09-302.3%
Q42025-12-31-1.2%
Q12026-03-31-1.8%
Franklin Financial Services annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.36-23.9%
20232023-12-31USD 3.10-7.6%
20242024-12-31USD 2.51-19.0%
20252025-12-31USD 4.7488.6%
Franklin Financial Services sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3050.0%
Q32025-09-30-9.8%
Q42025-12-3113.4%
Q12026-03-319.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$33.13M

+5.9%

Gross Profit

$23.66M

+24.2%

Gross Margin

71.42%

N/A

Market Cap

$285.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$932.38K

N/A

Employees

306

N/A

Net Income

$6.64M

+69.2%

EBITDA

$8.82M

+64.9%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$23.98M

-95.5%

Total Debt

$215.24M

-3.9%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$214.70M

-4.1%

Short Term Debt

$547.00K

+2.4%

Return on Assets

1.04%

N/A

Return on Invested Capital

1.30%

N/A

Free Cash Flow

$23.98M

+179.6%

Operating Cash Flow

$24.10M

+173.1%

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Questions About FRAF

What is the current price of Franklin Financial Services?

Franklin Financial Services is trading at $61.62 per share.

What is the 52-week range for Franklin Financial Services?

Over the past 52 weeks, Franklin Financial Services has traded between $38.52 and $64.88.

How much debt does Franklin Financial Services have?

As of the most recent reporting period, Franklin Financial Services reported total debt of $215.24M.

How much cash does Franklin Financial Services have on hand?

Franklin Financial Services does not have cash on hand data available.

What is Franklin Financial Services’s dividend yield?

Franklin Financial Services currently has a dividend yield of 2.09%.

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