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Franklin Financial Services Corp

Franklin Financial Services Corp

FRAF · NASDAQ · Financial Services / Banks - Regional

69.69USD-0.09 (-0.13%)

Price History

Full chart

Market Stats

Previous Close69.78
Open69.55
Day Range68.45 – 69.86
52-Week Range42.37 – 65.41
Volume35.50K
Market Cap281.90M
P/E (TTM)11.45
Forward P/E12.00
EPS5.47
Dividend Yield2.18%
Beta-0.01
50-Day Avg62.93
200-Day Avg56.66

About

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Craig W. Best
  • Employees0
  • Headquarters1500 Nitterhouse Drive, Chambersburg, PA, United States, 17201-0819, USA
  • Websitehttps://www.franklinfin.com

Leadership

  • Mr. Craig W. BestCEO & Director · b. 1961
  • Mr. Charles Benner Carroll Jr.President & COO · b. 1972
  • Mr. Mark R. HollarEVP, CFO & Treasurer · b. 1962
  • Ms. Lorie M. HeckmanExecutive VP & Chief Risk Officer · b. 1964
  • Ms. Amanda M. DuceyCorporate Secretary
  • Ms. Pamela JohnsLoan Servicing Manager & VP

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue14.91M15.47M17.47M18.87M33.91M37.50M36.99M33.29M32.62M31.90M36.71M49.16M59.59M54.93M52.64M52.36M51.66M47.96M45.37M45.20M46.44M47.73M51.12M56.50M63.04M59.94M63.98M70.27M90.38M113.83M133.55M
Growth (%)-+3.72%+12.93%+8.03%+79.70%+10.58%-1.36%-9.99%-2.00%-2.21%+15.06%+33.93%+21.23%-7.83%-4.17%-0.52%-1.34%-7.15%-5.41%-0.38%+2.75%+2.78%+7.09%+10.53%+11.57%-4.92%+6.75%+9.83%+28.61%+25.95%+17.32%
Cost of Revenue11.51M11.69M13.16M14.21M15.81M18.67M17.25M12.99M10.75M9.70M12.60M20.20M24.79M17.23M18.11M15.68M16.68M12.12M7.30M3.94M3.66M6.02M3.16M14.17M7.35M8.60M802.00K5.51M25.85M45.92M47.62M
Gross Profit3.40M3.77M4.31M4.66M18.10M18.83M19.73M20.30M21.87M22.20M24.11M28.96M34.81M37.70M34.52M36.68M34.98M35.85M38.07M41.25M42.78M41.71M47.95M42.33M55.69M51.33M63.18M64.76M64.53M67.91M85.92M
Gross Margin22.80%24.39%24.65%24.68%53.38%50.21%53.35%60.98%67.04%69.60%65.68%58.92%58.41%68.63%65.59%70.06%67.72%74.74%83.91%91.27%92.13%87.39%93.82%74.92%88.34%85.65%98.75%92.15%71.40%59.66%64.34%
Operating Expense-2.23M-1.73M-1.45M-1.65M11.80M12.71M12.85M13.53M14.66M16.00M17.06M19.30M22.79M25.43M25.93M26.14M28.00M29.97M30.54M30.84M30.31M32.32M42.21M36.37M36.69M38.27M40.16M47.26M48.78M54.59M59.66M
Operating Income5.63M5.51M5.75M6.31M6.30M6.11M6.88M6.77M7.21M6.21M7.05M9.67M12.02M12.28M8.60M10.55M6.98M5.88M7.53M10.41M12.47M9.39M5.74M5.96M19.00M13.06M23.01M17.50M15.75M13.31M26.27M
Operating Margin37.75%35.60%32.94%33.43%18.58%16.30%18.61%20.33%22.11%19.46%19.20%19.66%20.16%22.35%16.33%20.15%13.51%12.25%16.59%23.03%26.86%19.67%11.23%10.55%30.13%21.79%35.97%24.90%17.43%11.70%19.67%
EBITDA6.26M6.25M6.53M7.07M7.30M7.05M7.87M8.42M9.27M8.12M8.68M11.17M13.50M14.75M10.64M12.47M9.07M7.85M9.49M12.39M14.02M10.79M7.12M7.29M20.36M14.39M24.22M18.93M17.77M15.40M28.41M
EBITDA Margin41.96%40.39%37.37%37.47%21.53%18.80%21.28%25.29%28.42%25.45%23.64%22.72%22.66%26.86%20.21%23.82%17.55%16.37%20.92%27.41%30.19%22.60%13.93%12.90%32.31%24.01%37.85%26.94%19.66%13.53%21.28%
Net Income4.18M4.13M4.36M4.80M5.10M5.01M5.59M5.57M5.84M5.19M6.11M7.57M9.26M8.60M6.58M7.61M6.57M5.37M6.23M8.40M10.20M8.09M2.18M6.13M16.11M12.80M19.62M14.94M13.60M11.10M21.23M
Net Income Margin28.02%26.68%24.98%25.46%15.04%13.35%15.12%16.74%17.90%16.27%16.65%15.40%15.53%15.65%12.51%14.54%12.72%11.19%13.74%18.59%21.97%16.94%4.26%10.84%25.56%21.36%30.66%21.26%15.05%9.75%15.89%
Interest Expense11.21M11.09M12.22M13.15M15.01M17.92M15.77M11.80M9.06M8.82M12.17M19.96M23.80M16.04M14.67M12.44M9.15M6.89M4.38M3.18M2.37M2.25M2.49M4.21M7.11M3.98M2.90M4.86M23.13M43.94M44.73M
Interest Expense % of Total Revenue75.17%71.68%69.99%69.69%44.26%47.78%42.65%35.45%27.76%27.64%33.16%40.59%39.93%29.20%27.88%23.76%17.72%14.37%9.65%7.04%5.11%4.70%4.87%7.46%11.28%6.64%4.54%6.92%25.59%38.60%33.49%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets313.47M336.12M353.87M425.00M444.70M465.99M498.85M532.36M549.70M563.27M621.36M799.33M820.37M902.46M979.37M951.89M990.25M1.03B984.59M1.00B1.04B1.13B1.18B1.21B1.27B1.54B1.77B1.70B1.84B2.20B2.24B
Total Liabilities278.52M300.78M317.56M385.10M405.40M422.78M453.58M485.13M497.84M508.63M565.69M727.72M742.73M829.40M900.61M869.25M903.07M935.73M889.20M897.93M923.92M1.01B1.06B1.09B1.14B1.39B1.62B1.59B1.70B2.05B2.06B
Total Equity34.96M35.34M36.30M39.90M39.30M43.20M45.27M47.23M51.86M54.64M55.67M71.61M77.64M73.06M78.77M82.64M87.18M91.63M95.39M103.52M111.38M116.49M115.14M118.40M127.53M145.18M157.06M114.20M132.14M144.72M175.24M
Cash8.24M10.27M10.86M24.41M15.20M17.77M16.54M14.57M15.62M10.21M20.74M22.15M18.09M16.71M33.25M22.11M34.14M77.83M40.74M48.59M39.17M36.66M58.60M52.96M92.57M69.89M185.64M78.87M29.37M205.11M128.72M
Total Debt5.65M14.89M21.43M30.74M69.40M62.51M94.72M107.44M119.98M103.37M104.61M123.56M127.87M189.30M150.54M122.05M101.44M54.62M36.24M9.08M923.00K24.27M-131.47M5.16M24.89M24.45M25.77M154.48M223.96M214.69M
Net Debt-2.59M4.63M10.57M6.33M54.20M44.74M78.19M92.86M104.36M93.16M83.88M101.41M109.78M172.59M117.30M99.94M67.30M-23.21M-4.51M-39.51M-39.17M-12.39M-58.60M-52.96M-87.41M-45.00M-161.20M-53.11M125.11M18.85M85.97M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow17.63M19.48M16.17M4.98M6.00M5.14M8.89M6.60M376.00K12.97M12.90M6.72M14.99M11.05M8.62M12.36M15.09M10.56M15.40M14.36M13.29M14.86M16.25M9.30M18.97M6.43M26.35M25.24M26.57M21.75M25.44M
Investing Cash Flow-9.15M-41.63M-26.90M-57.93M-33.00M-16.89M-35.76M-35.21M-9.96M-26.41M-52.81M-57.02M-23.18M-97.77M-60.82M12.26M-33.56M-4.51M-3.56M-12.94M-49.17M-102.67M-32.24M-47.49M-23.48M-277.31M-133.94M-95.06M-178.27M-184.37M-107.02M
Financing Cash Flow-2.25M17.76M11.31M66.25M17.60M14.41M25.64M26.64M10.63M8.04M54.44M47.72M11.53M77.95M68.74M-35.76M30.51M37.64M-48.93M6.43M26.45M85.31M37.93M32.54M35.39M244.20M225.59M-40.44M109.94M343.08M5.69M
Capital Expenditure0000700.00K2.48M3.02M1.24M946.00K982.00K467.00K2.05M2.08M2.57M1.52M2.12M742.00K2.30M527.00K345.00K1.04M579.00K1.12M1.16M1.65M484.00K8.81M12.22M499.00K2.57M866.00K
Free Cash Flow17.63M19.48M16.17M4.98M5.30M2.66M5.88M5.36M-570.00K11.98M12.43M4.67M12.91M8.48M7.09M10.24M14.35M8.26M14.87M14.01M12.25M14.28M15.13M8.14M17.31M5.95M17.54M13.03M26.07M19.19M24.58M
Dividends Paid1.42M1.50M1.57M3.60M3.00M2.11M2.35M3.19M2.74M2.95M3.20M3.56M3.96M4.10M4.14M4.19M4.27M3.17M2.81M2.85M3.14M3.52M4.03M4.60M5.12M5.23M5.52M5.66M5.59M5.63M5.84M
FCF to OCF100.00%100.00%100.00%100.00%88.33%51.80%66.09%81.17%-151.60%92.43%96.38%69.52%86.14%76.73%82.35%82.83%95.08%78.25%96.58%97.60%92.17%96.10%93.11%87.51%91.28%92.48%66.58%51.60%98.12%88.20%96.60%
Dividend Paid to FCF8.06%7.71%9.71%72.24%56.60%79.34%39.94%59.60%-480.18%24.62%25.72%76.23%30.67%48.32%58.42%40.97%29.79%38.36%18.90%20.32%25.63%24.68%26.64%56.49%29.55%87.82%31.49%43.44%21.46%29.34%23.78%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 12, 2018May 9, 2018Aug 8, 2018Nov 15, 2018Feb 8, 2019May 8, 2019Jul 30, 2019Nov 8, 2019Jan 28, 2020May 11, 2020Jul 28, 2020Oct 27, 2020Jan 26, 2021Apr 26, 2021Jul 27, 2021Oct 26, 2021Jan 25, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Jan 25, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Jan 30, 2024Apr 23, 2024Jul 23, 2024Oct 22, 2024Jan 28, 2025Apr 29, 2025Jul 22, 2025Nov 10, 2025Apr 23, 2026Jul 24, 2026Oct 27, 2026
EPS Estimate---------------------------------------------------------------------------------------------------------0.001.341.441.45
EPS Actual0.360.360.350.370.360.370.350.330.380.390.400.410.430.420.360.460.460.430.390.380.330.420.410.410.430.490.480.440.560.550.550.540.530.660.670.660.640.680.260.550.430.280.460.510.560.430.470.450.270.470.340.470.430.080.380.330.530.270.440.550.570.440.680.580.610.530.640.360.480.400.700.770.70-1.67-1.140.80-1.180.910.860.730.901.031.010.390.710.791.041.091.191.310.820.670.801.050.840.750.680.880.800.770.660.950.110.881.321.191.481.47-
Surprise----------------------------------------------------------------------------------------------------------10.45%2.08%-
Timing------------------------------------------------------------------------------------------After-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-After-hoursPre-marketPre-market

Key Statistics & Ratios

Market Cap281.90M
Enterprise Value470.26M
Trailing P/E11.45
Forward P/E12.00
PEG Ratio1.03
Price / Sales3.09
Price / Book1.50
EPS5.47
Book Value40.91
Revenue (TTM)91.35M
Gross Profit (TTM)91.35M
Profit Margin26.98%
Operating Margin37.69%
Return on Equity14.45%
Return on Assets1.07%
Shares Outstanding4.50M
Shares Float4.18M
Beta-0.01
Dividend Yield2.18%
Dividend Rate1.36
Payout Ratio32.37%

Analyst Ratings

Strong Buy
Based on 1 analystsTarget 68.00
  • Strong Buy
    1

Ownership Breakdown

Institutions
38.05%
Insiders
6.49%
Retail / Other
55.46%

Top Institutional Holders

  • BlackRock Inc
    265.47K5.90%
  • Vanguard Capital Management, LLC
    183.41K4.08%
  • Geode Capital Management, LLC
    99.85K2.22%
  • American Century Companies Inc
    86.34K1.92%
  • Arrowstreet Capital Limited Partnership
    75.44K1.68%
  • State Street Corp
    71.94K1.60%
  • Elizabeth Park Capital Advisors, Ltd
    63.91K1.42%
  • Bridgeway Capital Management, LLC
    59.08K1.31%
  • The Goldman Sachs Group Inc
    50.84K1.13%
  • Dimensional Fund Advisors, Inc.
    49.40K1.10%
  • Marshall Wace Asset Management Ltd
    42.99K0.96%
  • Northern Trust Corp
    30.18K0.67%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    133.50K2.97%
  • iShares Russell 2000 ETF
    117.49K2.61%
  • Avantis US Small Cap Value ETF
    94.91K2.11%
  • Fidelity Small Cap Index
    46.95K1.04%
  • iShares Russell 2000 Value ETF
    42.80K0.95%
  • BSF Systematic US Eq Abs Ret A2 USD
    32.13K0.71%
  • Bridgeway Omni Small-Cap Value N
    30.70K0.68%
  • EA Bridgeway Omni Small-Cap Value ETF
    27.83K0.62%

Dividends

20264×
0.34Nov 6, 20260.34Aug 7, 20260.34May 1, 20260.33Feb 6, 2026
20254×
0.33Nov 7, 20250.33Aug 1, 20250.33May 2, 20250.32Feb 7, 2025
20244×
0.32Nov 1, 20240.32Aug 2, 20240.32May 1, 20240.32Jan 31, 2024
20234×
0.32Nov 2, 20230.32Aug 3, 20230.32May 4, 20230.32Feb 2, 2023
20224×
0.32Nov 1, 20220.32Aug 4, 20220.32May 5, 20220.32Feb 3, 2022
20214×
0.32Nov 4, 20210.32Aug 5, 20210.31May 6, 20210.30Feb 4, 2021

Stock Splits

  • Jun 29, 2004125:100
  • Feb 4, 19983:2
  • Jan 2, 19963:2