Franklin Financial Services Corporation (FRAF) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 16, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FRAF SEC filings page.
Franklin Financial Services Corporation (FRAF) reported $94.7M in revenue over the twelve months to Jun 30, 2026, up 22.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The company’s 2025 earnings rebound came from a larger balance sheet, while leverage remained structurally high.
Revenue increased24.8% while net income rose91.2% , showing that the earnings recovery outpaced sales growth rather than merely reflecting expansion. Operating cash flow reached$25.4M against$21.2M of net income, so the rebound was accompanied by cash generation instead of being purely an accounting-margin event.
The 11.8x debt-to-equity ratio indicates a thin equity layer relative to the company’s funding base. Assets reached
Net margin recovered to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Franklin Financial Services Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Franklin Financial Services Corporation earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.5% the prior year. Earnings ranks banks on that return over three years, and Franklin Financial Services Corporation scores 41/100 among other banks.
Franklin Financial Services Corporation reported revenue of $88.8M in fiscal year 2025, against $71.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Franklin Financial Services Corporation scores 71/100 among other banks.
Franklin Financial Services Corporation funded 7.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $175.2M of equity against $2.2B of assets. Capital ranks banks on that cushion, and Franklin Financial Services Corporation scores 7/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Franklin Financial Services Corporation scores 26/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Franklin Financial Services Corporation scores 52/100 on it among other banks.
Franklin Financial Services Corporation reported net income of $21.2M in fiscal year 2025, against $11.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Franklin Financial Services Corporation scores 53/100 among other banks.
Franklin Financial Services Corporation passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Franklin Financial Services Corporation generates $1.20 in operating cash flow ($25.4M OCF vs $21.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Franklin Financial Services Corporation generated $24.5M in revenue in Q2 2026. This represents an increase of 9.6% from the same quarter a year earlier. Against the prior quarter it is up 2.6%.
Franklin Financial Services Corporation reported $6.6M in net income in Q2 2026. This represents an increase of 11.9% from the same quarter a year earlier. Against the prior quarter it is down 0.4%.
Franklin Financial Services Corporation earned $1.47 per diluted share (EPS) in Q2 2026. This represents an increase of 11.4% from the same quarter a year earlier. Against the prior quarter it is down 0.7%.
Not reported for Q2 2026.
Cash & Balance Sheet
Franklin Financial Services Corporation held $195.0M in cash as of Q2 2026; long-term debt is not reported for that period.
Franklin Financial Services Corporation paid $0.34 per share in dividends in Q2 2026. This represents an increase of 3.0% from the same quarter a year earlier. Against the prior quarter it is up 3.0%.
Not reported for Q2 2026.
Margins & Returns
Franklin Financial Services Corporation's net profit margin was 27.0% in Q2 2026, showing the share of revenue converted to profit. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.8 percentage points.
Franklin Financial Services Corporation's ROE was 3.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Franklin Financial Services Corporation spent $350K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 18.2% from the same quarter a year earlier. Against the prior quarter it is down 13.6%.
Not reported for Q2 2026.
Not reported for Q2 2026.
FRAF Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $24.5M+9.6% | $23.9M+18.4% | $23.3M+51.5% | $23.0M+17.9% | $22.3M+20.4% | $20.2M+13.7% | $15.4M-14.4% | $19.5M+10.1% |
| SG&A Expenses | $8.6M-2.8% | $9.0M+6.1% | $8.8M+3.4% | $9.1M+13.0% | $8.9M+5.5% | $8.5M+10.1% | $8.5M+12.2% | $8.1M+15.7% |
| Interest Expense | $9.6M-15.6% | $9.2M-19.2% | $10.4M-11.3% | $11.5M+0.7% | $11.4M+8.0% | $11.5M+11.7% | $11.8M+54.4% | $11.4M+76.8% |
| Income Tax | $1.6M+16.2% | $1.7M+87.6% | $1.4M+3407.3% | $1.3M+47.3% | $1.4M+118.1% | $890K+38.2% | $41K-92.9% | $885K+12.3% |
| Net Income | $6.6M+11.9% | $6.6M+69.2% | $6.0M+1140.7% | $5.4M+26.9% | $5.9M+94.8% | $3.9M+16.7% | $487K-86.0% | $4.2M+9.3% |
| EPS (Basic) | $1.47+11.4% | $1.48+68.2% | $1.35+1127.3% | $1.20+25.0% | $1.32+97.0% | $0.88+14.3% | $0.11-86.3% | $0.96+7.9% |
| EPS (Diluted) | $1.47+11.4% | $1.48+68.2% | $1.35+1250.0% | $1.19+25.3% | $1.32+100.0% | $0.88+14.3% | $0.10-87.3% | $0.95+8.0% |
| Diluted Shares (Avg) | 5M+0.7% | 4M+0.8% | N/A | 4M+1.7% | 4M-2.0% | 4M+1.5% | N/A | 4M+1.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
FRAF Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.3B+2.1% | $2.3B+1.8% | $2.2B+1.9% | $2.3B+6.8% | $2.3B+12.1% | $2.3B+12.2% | $2.2B+19.7% | $2.2B+17.7% |
| Cash & Equivalents | $195.0M-6.1% | $210.8M-6.3% | $127.7M-37.3% | $188.1M-20.4% | $207.8M+15.6% | $225.0M+23.2% | $203.6M+779.9% | $236.3M+219.6% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $9.0M0.0% | $9.0M0.0% | $9.0M0.0% | $9.0M0.0% | $9.0M0.0% | $9.0M0.0% | $9.0M0.0% | $9.0M0.0% |
| Total Liabilities | $2.2B+1.0% | $2.1B+0.6% | $2.1B+0.5% | $2.1B+6.5% | $2.1B+11.9% | $2.1B+12.2% | $2.1B+20.5% | $2.0B+16.8% |
| Total Equity | $183.8M+16.8% | $178.7M+18.1% | $175.2M+21.1% | $166.3M+10.9% | $157.4M+15.0% | $151.4M+12.8% | $144.7M+9.5% | $149.9M+30.6% |
| Retained Earnings | $165.1M+12.8% | $160.0M+12.7% | $154.8M+11.0% | $150.3M+7.0% | $146.4M+6.4% | $142.0M+4.4% | $139.5M+4.1% | $140.4M+6.4% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
FRAF Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.7M+30.2% | $24.1M+173.1% | $3.2M-24.5% | $8.3M+6.4% | $5.1M+111.2% | $8.8M+20.8% | $4.2M-28.8% | $7.8M+7.5% |
| Depreciation & Amortization | $516K-3.4% | $513K-4.5% | $538K+2.9% | $537K+1.9% | $534K+6.4% | $537K-0.2% | $523K+2.5% | $527K+1.7% |
| Stock-Based Compensation | N/A | $156K-19.6% | N/A | N/A | N/A | $194K+49.2% | N/A | N/A |
| Investing Cash Flow | -$55.8M-18.9% | $6.6M+117.3% | $5.1M+105.8% | -$26.9M+42.8% | -$46.9M-49.2% | -$38.3M-111.6% | -$87.8M-90.2% | -$47.0M+48.6% |
| Financing Cash Flow | $33.3M+35.5% | $52.3M+2.9% | -$68.7M-234.9% | -$1.1M-101.1% | $24.6M-6.0% | $50.8M-70.1% | $50.9M+582.5% | $95.8M+2.8% |
| Dividends Paid | $1.5M+3.8% | $1.5M+4.4% | $1.5M+4.7% | $1.5M+4.7% | $1.5M+4.5% | $1.4M+1.4% | $1.4M+1.1% | $1.4M+1.4% |
| Share Buybacks | $350K+18.2% | $405K+185.2% | $366K+58.4% | $300K+92.3% | $296K-26.2% | $142K+264.1% | $231K | $156K |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
FRAF Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.0%+0.5pp | 27.8%+8.3pp | 25.9%+22.7pp | 23.3%+1.6pp | 26.4%+10.1pp | 19.4%+0.5pp | 3.2%-16.1pp | 21.6%-0.2pp |
| Return on Equity | 3.6%-0.2pp | 3.7%+1.1pp | 3.5%+3.1pp | 3.2%+0.4pp | 3.8%+1.5pp | 2.6%+0.1pp | 0.3%-2.3pp | 2.8%-0.5pp |
| Return on Assets | 0.3%0.0pp | 0.3%+0.1pp | 0.3%+0.3pp | 0.2%0.0pp | 0.3%+0.1pp | 0.2%0.0pp | 0.0%-0.2pp | 0.2%0.0pp |
| Debt-to-Equity | 11.70-1.8x | 11.85-2.1x | 11.78-2.4x | 12.81-0.5x | 13.53-0.4x | 13.91-0.1x | 14.19+1.3x | 13.35-1.6x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Franklin Financial Services Corporation FRAF | FY2025 | $88.8M | $21.2M | 23.9% | $282.6M | 42/100 |
| FIRST NATL CORP STRASBURG VA FXNC | FY2025 | $90.3M | $17.7M | 19.6% | $266.0M | 42/100 |
| Virginia National Bankshares Corporation VABK | FY2025 | $57.6M | $19.3M | 33.4% | $279.1M | 57/100 |
| First Community Corp FCCO | FY2025 | $79.0M | $19.2M | 24.3% | $304.5M | 52/100 |
| Old Point Financial Corp OPOF | FY2024 | $85.8M | $9.5M | 11.1% | $214.8M | 44/100 |
Where Franklin Financial Services Corporation Ranks
Frequently Asked Questions
What is Franklin Financial Services Corporation's annual revenue?
Franklin Financial Services Corporation (FRAF) reported $88.8M in total revenue for fiscal year 2025. This represents a 24.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Franklin Financial Services Corporation's revenue growing?
Franklin Financial Services Corporation (FRAF) revenue grew by 24.8% year-over-year, from $71.2M to $88.8M in fiscal year 2025.
Is Franklin Financial Services Corporation profitable?
Yes, Franklin Financial Services Corporation (FRAF) reported a net income of $21.2M in fiscal year 2025, with a net profit margin of 23.9%.
What is Franklin Financial Services Corporation's net profit margin?
Franklin Financial Services Corporation (FRAF) had a net profit margin of 23.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Franklin Financial Services Corporation pay dividends?
Yes, Franklin Financial Services Corporation (FRAF) paid $1.31 per share in dividends during fiscal year 2025.
What is Franklin Financial Services Corporation's return on equity (ROE)?
Franklin Financial Services Corporation (FRAF) has a return on equity of 12.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Franklin Financial Services Corporation's operating cash flow?
Franklin Financial Services Corporation (FRAF) generated $25.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Franklin Financial Services Corporation's total assets?
Franklin Financial Services Corporation (FRAF) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Franklin Financial Services Corporation's debt-to-equity ratio?
Franklin Financial Services Corporation (FRAF) had a debt-to-equity ratio of 11.78 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Franklin Financial Services Corporation's return on assets (ROA)?
Franklin Financial Services Corporation (FRAF) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Franklin Financial Services Corporation's P/E ratio?
Franklin Financial Services Corporation (FRAF) trades at 11.5x earnings, its market capitalization divided by net income of $24.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $282.6M as of Oct 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Franklin Financial Services Corporation's price-to-sales ratio?
Franklin Financial Services Corporation (FRAF) trades at 3.0x sales, its market capitalization divided by revenue of $94.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $282.6M as of Oct 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Franklin Financial Services Corporation's Piotroski F-Score?
Franklin Financial Services Corporation (FRAF) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Franklin Financial Services Corporation's earnings high quality?
Franklin Financial Services Corporation (FRAF) has an earnings quality ratio of 1.20x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Franklin Financial Services Corporation?
Franklin Financial Services Corporation (FRAF) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.