FRAF

Shares of Franklin Financial Services Corporation FRAF have outperformed the broader market following the release of its first-quarter 2026 results. The stock has risen 4.3% since the earnings announcement compared with a 0.5% return in the S&P 500. Over a month, the company’s shares advanced 14%, slightly ahead of the S&P 500’s 13.7% rise. Franklin Financial reported net income of $6.6 million, or $1.48 per diluted share, for the first quarter of 2026, representing a 69.2% surge from $3.9 million, or $0.88 per share, in the year-ago quarter. The improvement was driven by higher net interest income and growth in fee-based revenue streams. Net interest income rose 18.7% year over year to $18.5 million, supported by a 13.6% increase in loan interest income and a 19.2% decline in interest expenses. Non-interest income also increased 17.5% to $5.4 million, reflecting gains across wealth management fees, loan sales and life insurance proceeds. Franklin Financial Services Corp. price-consensus-eps-surprise-chart | Franklin Financial Services Corp. Quote The company continued to show moderate balance sheet expansion during the quarter. Total assets reached $2.298 billion as of March 31, 2026, up 2.6% from the end of 2025. Net loans grew 0.7% to $1.6 billion, driven mainly by increases in commercial real estate and residential real estate lending. Deposits rose 2.9% to $1.89 billion, with notable gains in non-interest-bearing and money management accounts. Profitability ratios improved significantly from the prior-year period. Return on average assets increased to 1.20% from 0.72%, while return on average equity rose to 15.13% from 10.80%. The net interest margin expanded to 3.53% from 3.05%, reflecting both asset yield improvement and lower funding costs. Additionally, the efficiency ratio improved to 63.64% from 71.39%, indicating better cost management relative to revenue growth. Credit quality remained stable, with non-performing loans at 0.54% of the total loans, largely unchanged from the previous quarter. The allowance for credit losses stood at 1.32% of loans, consistent with the year-end level. Management attributed the strong quarterly performance to margin expansion, disciplined expense control and continued growth in fee-generating businesses, particularly wealth management. According to commentary in the earnings call transcript, the company’s performan...

CHAMBERSBURG, Pa., April 23, 2026 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its first quarter 2026 results. A summary of notable operating results as of or for the first quarter ended March 31, 2026 follows: Net income: $6.6 million ($1.48 per diluted share) for the first quarter of 2026. This is an increase of $594 thousand (9.8%) compared to $6.0 million ($1.35 per diluted share) for the fourth quarter of 2025 and an increase of $2.7 million (69.2%) compared to $3.9 million ($0.88 per diluted share) for the first quarter of 2025. Wealth Management: $2.3 million in fees for the first quarter of 2026, an increase of 4.1% from $2.2 million in the first quarter of 2025. Assets under management were $1.417 billion on March 31, 2026. Asset Growth: $2.298 billion in total assets on March 31,2026, an increase of 2.6% from $2.239 billion at year-end 2025. Loan Growth: Net loans totaled $1.552 billion on March 31, 2026, an increase of 0.7% from $1.541 billion on December 31, 2025. Deposit Growth: Total deposits of $1.890 billion, an increase of 2.9% from $1.836 billion on December 31, 2025. Quarterly Performance Metrics: Return on Average Assets (ROA) of 1.20%, Return on Average Equity (ROE) of 15.13%, and Net Interest Margin (NIM) of 3.53%, on an annualized basis for the first quarter of 2026, compared to an ROA of 0.72%, ROE of 10.80% and NIM of 3.05% for the first quarter of 2025. On April 8, 2026, the Board of Directors declared $0.34 per share regular quarterly cash dividend for the second quarter of 2026 to be paid on May 27, 2026, to shareholders of record at the close of business on May 1, 2026. This dividend represents a 3.0% increase over the second quarter 2025 dividend. Balance Sheet Highlights Total assets on March 31, 2026 were $2.298 billion an increase from $2.239 billion on December 31, 2025. Changes in the balance sheet from December 31, 2025, to March 31, 2026, include: Debt securities available for sale decreased $18.1 million (4.0%) due primarily to paydowns. On March 31, 2026, the net unrealized loss in the portfolio was $28.8 million compared to a net unrealized loss of $26.8 million at year-end 2025. Net loans increased $11.1 million (0.7%) over the year-end 2025 balance, primarily from increases in comm...

Shares of Franklin Financial Services Corporation FRAF have shown a mixed performance following the release of its fourth-quarter 2025 earnings. Shares of Franklin Financial have gained 2% since reporting results for the fourth quarter of 2025. This compares to the S&P 500 index’s 0.4% return over the same time frame. Over the past month, the stock has declined 2.2% against the S&P 500’s 1.4% rise. Franklin Financial reported solid improvements in its core financial results compared with the prior year, helped by stronger net interest income and the absence of large securities-related losses that weighed on earlier periods. For the fourth quarter of 2025, net income rose to $6 million, or $1.35 per diluted share, from $487 thousand, or 11 cents per diluted share, in the year-ago quarter. The prior-year period was significantly impacted by a $3.4-million after-tax loss on the sale of investment securities tied to a portfolio restructuring. On a full-year basis, net income increased 91.2% year over year to $21.2 million, or $4.74 per diluted share, from $11.1 million, or $2.51 per diluted share, in 2024. Net interest income for the fourth quarter climbed 23.3% to $18.6 million, reflecting higher interest income from loan growth, while full-year net interest income rose 21.1% to $69.6 million. Franklin Financial Services Corp. price-consensus-eps-surprise-chart | Franklin Financial Services Corp. Quote Balance sheet trends in the year pointed to steady asset expansion and notable loan growth. Total assets stood at $2.239 billion at Dec. 31, 2025, up 1.9% from a year earlier. Net loans increased 11.6% year over year to $1.541 billion, driven largely by growth in commercial real estate and one-to-four-family residential real estate lending. Total deposits grew 1.1% to $1.836 billion, with growth tempered by the payoff of $65 million in brokered deposits in the fourth quarter. Performance ratios also improved materially from the prior year, with fourth-quarter return on average assets rising to 1.05% from 0.09% and return on average equity increasing to 14.20% from 1.32%, both of which were distorted in the prior-year quarter by securities losses. Net interest margin for the quarter expanded to 3.4% from 2.92% a year earlier. Management highlighted the strength of core earnings and balance sheet positioning, emphasizing loan growth and improved margins as key driv...

CHAMBERSBURG, Pa., Jan. 27, 2026 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its fourth quarter 2025 and year-to-date 2025 results. A summary of notable operating results as of or for the fourth quarter ended December 31, 2025 follows: Net income: $6.0 million ($1.35 per diluted share) an increase of 12.9% compared to $5.4 million ($1.19 per diluted share) for the third quarter of 2025 and $487 thousand ($0.11 per diluted share) for the fourth quarter of 2024 which was negatively affected by a $3.4 million after tax loss on the sale of investment securities sold as part of a portfolio restructuring. Wealth Management: $2.3 million in fees for the quarter, an increase of 4.6% from $2.2 million in the fourth quarter of 2024. Assets under management were $1.421 billion on December 31, 2025. Asset Growth: $2.239 billion in total assets on December 31,2025, an increase of 1.9% from $2.198 billion at year-end 2024. Loan Growth: Net loans totaled $1.541 billion on December 31, 2025, an increase of 11.6% from $1.380 billion on December 31, 2024. Deposit Growth: Total deposits of $1.836 billion, an increase of 1.1% from $1.816 billion on December 31, 2024. During the fourth quarter of 2025 the Bank paid off $65.0 million of brokered deposits. Quarterly Performance Metrics: Return on Average Assets (ROA)of 1.05%, Return on Average Equity (ROE) of 14.20%, and Net Interest Margin (NIM) of 3.40%, on an annualized basis for the fourth quarter of 2025, compared to an ROA of 0.09%, ROE of 1.32% and NIM of 2.92% for the fourth quarter of 2024. The ROA and ROE for the fourth quarter of 2024 were negatively affected by the previously mentioned loss on securities. On January 15, 2026, the Board of Directors declared $0.33 per share regular quarterly cash dividend for the first quarter of 2026 to be paid on February 25, 2026, to shareholders of record at the close of business on February 6, 2026. This dividend represents a 3.1% increase over the first quarter 2025 dividend. A summary of notable operating results as of or for the twelve months ended December 31, 2025, follows : Net Income: $21.2 million ($4.74 per diluted share) compared to $11.1 million ($2.51 per diluted share) for the twelve months ending December 31, 2024, an increase of 9...

CHAMBERSBURG, Pa., Oct. 28, 2025 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its third quarter and year-to-date 2025 financial results. A summary of notable operating results as of or for the third quarter ended September 30, 2025, follows: Net Income: $5.4 million ($1.19 per diluted share) an increase of 26.9% compared to $4.2 million ($0.95 per diluted share) for the third quarter of 2024, and a decrease of 9.4% from $5.9 million ($1.32 per diluted share) for the second quarter of 2025. Wealth Management: Fees were $2.3 million, an increase of 8.0% from $2.1 million in the third quarter of 2024. Assets under management were $1.4 billion on September 30, 2025. Asset Growth: $2.297 billion in assets on September 30, 2025, compared to $2.198 billion at year-end 2024, an increase of 4.5%. Loan Growth: Total net loans of $1.544 billion on September 30, 2025, an increase of 11.8% from December 31, 2024. Deposit Growth: Total deposits of $1.903 billion on September 30, 2025, an increase of 4.8% from December 31, 2024. Performance Metrics: Return on Average Assets (ROA) 0.93%, Return on Average Equity (ROE) 13.39%, and Net Interest Margin (NIM) of 3.32% on an annualized basis, for the third quarter of 2025, compared to a ROA of 0.80%, ROE of 11.86%, and NIM of 2.97% for the third quarter of 2024. The key performance metrics for the third quarter of 2025 were negatively affected by fee amortization of $113 thousand (recorded in interest expense) from the redemption of a portion of the Corporation's subordinated notes, and the addition of an $894 thousand specific reserve on one commercial real estate credit (further described below) through the provision for credit loss. On October 16, 2025, the Board of Directors declared a $0.33 per share regular quarterly cash dividend for the fourth quarter of 2025 to be paid on November 26, to shareholders of record at the close of business on November 7, 2025. This dividend represents a 3.1% increase over the 2024 fourth quarter dividend. A summary of notable operating results as of or for the nine months ended September 30, 2025, follows: Net Income: $15.2 million ($3.39 per diluted share) compared to $10.6 million ($2.41 per diluted share) for the nine months ended September 30, 2024, an...

Shares of Franklin Financial Services Corporation FRAF have declined 6.2% since reporting results for the second quarter of 2025 on July 22. In contrast, the S&P 500 index has risen 0.9% over the same period. Despite this post-earnings dip, FRAF has seen a significant rally of 23.7% over the past month compared with 3.9% growth in the S&P 500. Franklin Financial delivered strong second-quarter results, with net income surging 94.8% year over year to $5.9 million, or $1.32 per diluted share, from $3 million, or 66 cents per diluted share, in the prior-year period. Revenue growth was driven largely by a 21.3% increase in net interest income to $17.2 million from $14.2 million a year earlier. The gains were primarily attributed to higher interest income from the expanding loan portfolio. For the first half of 2025, net income rose 53.7% to $9.8 million ($2.20 per diluted share) from the $6.4 million ($1.43 per diluted share) registered in the first six months of 2024. Net interest income for the six months rose 18.3% to $32.8 million, underpinned by a 13.2% increase in commercial real estate loans. Franklin Financial Services Corp. price-consensus-eps-surprise-chart | Franklin Financial Services Corp. Quote Franklin Financial's balance sheet reflected healthy expansion. Total assets climbed 4.1% from the end of 2024 to $2.29 billion as of June 30, 2025. Loan growth was particularly strong, with total net loans rising 8.7% over the six months to $1.5 billion. The loan expansion was led by a $68.9-million increase in commercial real estate loans, which now total $872.2 million. Notably, 41% of the CRE portfolio is owner-occupied. Deposits increased 4.3% from Dec. 31, 2024, to $1.89 billion at quarter-end. The rise was mainly driven by money management accounts, partially offset by declines in interest-bearing checking and savings balances. Approximately 89% of deposits were either FDIC-insured or collateralized. Shareholders’ equity grew by $12.6 million to $157.4 million, aided by retained earnings of $6.9 million (net) of $2.9 million in dividends. Management emphasized disciplined growth and asset quality management in its commentary. While the company experienced a marked increase in non-performing loans from $266 thousand at the end of 2024 to $10.8 million at the end of the second quarter, this deterioration was largely concentrated in two loans — a $7.4-mi...

Revenue: US$21.7m (up 21% from 2Q 2024). Net income: US$5.91m (up 95% from 2Q 2024). Profit margin: 27% (up from 17% in 2Q 2024). The increase in margin was driven by higher revenue. EPS: US$1.32 (up from US$0.67 in 2Q 2024). We've found 21 US stocks that are forecast to pay a dividend yield of over 6% next year. See the full list for free. All figures shown in the chart above are for the trailing 12 month (TTM) period Franklin Financial Services shares are up 12% from a week ago. Be aware that Franklin Financial Services is showing 1 warning sign in our investment analysis that you should know about... Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

CHAMBERSBURG, Pa., July 22, 2025 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its second quarter and year-to-date 2025 financial results. A summary of notable operating results as of or for the second quarter ended June 30, 2025, follows: Net Income: $5.9 million ($1.32 per diluted share) compared to $3.0 million ($0.66 per diluted share) for the second quarter of 2024, an increase of 94.8%. Wealth Management: Fees were $2.4 million, an increase of 7.9% from $2.2 million in the second quarter of 2024. Assets under management were $1.4 billion on June 30, 2025. Asset Growth: $2.287 billion in assets on June 30, 2025 compared to $2.198 billion at year-end 2024, an increase of 4.1%. Loan Growth: Total net loans of $1.500 billion on June 30, 2025, an increase of 8.7% from December 31, 2024. Deposit Growth: Total deposits of $1.893 billion on June 30, 2025, an increase of 4.3% from December 31, 2024. Performance Metrics: Return on Average Assets (ROA) 1.04%, Return on Average Equity (ROE) 15.64%, and Net Interest Margin (NIM) of 3.21% on an annualized basis, compared to a ROA of 0.59%, ROE of 9.12%, and NIM of 2.99% for the second quarter of 2024. On July 17, 2025, the Board of Directors declared a $0.33 per share regular quarterly cash dividend for the third quarter of 2025 to be paid on August 27, 2025, to shareholders of record at the close of business on August 1, 2025. A summary of notable operating results as of or for the six months ended June 30, 2025, follows: Net Income: $9.8 million ($2.20 per diluted share) compared to $6.4 million ($1.43 per diluted share) for the six months ended June 30, 2024, an increase of 53.7%. Wealth Management: Fees were $4.6 million, an increase of 8.5% from $4.3 million for the first six months of 2024. Performance Metrics: ROA .89%, ROE 13.27%, and NIM of 3.13% on an annualized basis, compared to a ROA of 0.63%, ROE of 9.71%, and NIM of 2.94% for the comparable period in 2024. Balance Sheet Highlights Total assets on June 30, 2025 were $2.287 billion, up 4.1% from $2.198 billion on December 31, 2024. Significant changes in the balance sheet from December 31, 2024 to June 30, 2025 include: Debt securities available for sale decreased $27.3 million (5.4%) due primarily to paydowns. Net loa...

CHAMBERSBURG, Pa., April 29, 2025 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its first quarter 2025 financial results. A summary of notable operating results as of or for the quarter ended March 31, 2025 follows: Net income for the first quarter of 2025 was $3.9 million ($0.88 per diluted share) compared to $3.4 million ($0.77 per diluted share) for the first quarter of 2024, an increase of 16.7%. Wealth management fees were $2.2 million for the first quarter of 2025, compared to $2.0 million for the first quarter of 2024. For the first quarter of 2025, the provision for credit losses was $779 thousand compared to $500 thousand for the fourth quarter of 2024 and $452 thousand for the first quarter of 2024. The increase in the provision expense was due primarily to loan growth of $57.3 million since year-end 2024. Total assets at March 31, 2025 were $2.257 billion, compared to $2.198 billion at year-end 2024, an increase of 2.7%. Total net loans increased $57.3 million (4.2%) from December 31, 2024. Deposits grew by $51.9 million (2.9%) from prior year-end at a cost of 2.02% for the quarter, compared to a cost of 2.06% for the fourth quarter of 2024. Return on Average Assets (ROA) was 0.72%, Return on Average Equity (ROE) was 10.80% and the Net Interest Margin (NIM) was 3.05% on an annualized basis for the first quarter of 2025, compared to an ROA of 0.67%, ROE of 10.21%, and NIM of 2.88% for the same period in 2024. On April 10, 2025, the Board of Directors declared a $0.33 per share regular quarterly cash dividend for the second quarter of 2025 to be paid on May 28, 2025, to shareholders of record at the close of business on May 2, 2025. This represents a 3.1% increase over the dividend for the first quarter of 2025. Balance Sheet Highlights Total assets at March 31, 2025 were $2.257 billion, up 2.7% from $2.198 billion at December 31, 2024. Significant changes in the balance sheet from December 31, 2024 to March 31, 2025 include: Debt securities available for sale decreased $13.1 million (2.6%) due primarily to paydowns. Net loans increased $57.3 million (4.2%) over the year-end 2024 balance, primarily from an increase of $39.2 million in commercial real estate loans. At March 31, 2025, commercial real estate loans tot...

Revenue: US$69.2m (up 5.2% from FY 2023). Net income: US$11.1m (down 18% from FY 2023). Profit margin: 16% (down from 21% in FY 2023). The decrease in margin was driven by higher expenses. EPS: US$2.52 (down from US$3.11 in FY 2023). Net interest margin (NIM): 2.95% (down from 3.31% in FY 2023). Cost-to-income ratio: 73.4% (up from 70.8% in FY 2023). Non-performing loans: 0.02% (up from 0.01% in FY 2023). All figures shown in the chart above are for the trailing 12 month (TTM) period Franklin Financial Services' share price is broadly unchanged from a week ago. We should say that we've discovered 1 warning sign for Franklin Financial Services that you should be aware of before investing here. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.