FRAF

MKT CAP:$251M

Franklin Financial Services Corporation

Market Cap

$251M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$56.26+$7.33 (+14.98%)

Apr 23, 2026

Company Details

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, individu...

CEO

Craig W. Best

IPO Date

Apr 6, 1994

Website

www.franklinfin.com

Key Metrics TTM

Revenue

$129M

+9.9% YoY

Net Income

$24M

EPS (Diluted)

$5.34

Free Cash Flow

$25M

Revenue / Share

—

Gross Margin

51.0%

Operating Margin

16.6%

Net Margin

18.6%

FCF Margin

19.0%

P/S

1.9x

P/E

10.5x

Earnings Reports

Q1 2026

Apr 23, 2026

NEW

$28M-11.2%EPS $1.48

FY 2025

Mar 13, 2026

$134M+17.3%EPS $4.74

Q4 2025

Mar 13, 2026

$34M+25.8%EPS $1.35

Q3 2025

Nov 10, 2025

$34M+11.6%EPS $1.19

Q2 2025

Aug 14, 2025

$33M+16.1%EPS $1.32

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$17M	$16M	$4M
Q3 22	$18M	$17M	$6M
Q4 22	$20M	$17M	$4M
Q1 23	$20M	$15M	$4M
Q2 23	$22M	$16M	$4M
Q3 23	$24M	$17M	$5M
Q4 23	$25M	$17M	$4M
Q1 24	$28M	$17M	$4M
Q2 24	$29M	$18M	$4M
Q3 24	$31M	$19M	$5M
Q4 24	$27M	$15M	$549.0K
Q1 25	$31M	$19M	$5M
Q2 25	$33M	$21M	$7M
Q3 25	$34M	$21M	$7M
Q4 25	$34M	$23M	$7M
Q1 26	$28M	$0	$0

Valuation

Quarter	P/S	P/E
Q2 22	2.1x	8.2x
Q3 22	2.1x	9.3x
Q4 22	2.2x	10.4x
Q1 23	1.8x	8.6x
Q2 23	1.6x	8.5x
Q3 23	1.5x	9.0x
Q4 23	1.4x	9.2x
Q1 24	1.1x	8.3x
Q2 24	1.2x	9.1x
Q3 24	1.2x	9.5x
Q4 24	1.2x	11.9x
Q1 25	1.3x	13.4x
Q2 25	1.3x	10.7x
Q3 25	1.7x	13.3x
Q4 25	1.7x	10.6x
Q1 26	1.7x	9.4x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$4M	$185.0K
Q2 22	$5M	$517.0K
Q3 22	$8M	$6M
Q4 22	$7M	$6M
Q1 23	$8M	$8M
Q2 23	$6M	$6M
Q3 23	$7M	$7M
Q4 23	$6M	$6M
Q1 24	$7M	$6M
Q2 24	$2M	$2M
Q3 24	$8M	$7M
Q4 24	$4M	$4M
Q1 25	$9M	$9M
Q2 25	$5M	$5M
Q3 25	$8M	$8M
Q4 25	$3M	$3M

Capital Expenditures

Quarter	CapEx
Q1 22	$4M
Q2 22	$4M
Q3 22	$2M
Q4 22	$1M
Q1 23	$111.0K
Q2 23	$117.0K
Q3 23	$251.0K
Q4 23	$20.0K
Q1 24	$861.0K
Q2 24	$590.0K
Q3 24	$733.0K
Q4 24	$383.0K
Q1 25	$246.0K
Q2 25	$187.0K
Q3 25	$449.0K
Q4 25	$16.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+5.8%	+32.2%
Q3 22	+12.1%	+33.9%
Q4 22	+23.6%	+30.5%
Q1 23	+29.5%	+37.4%
Q2 23	+30.9%	+46.3%
Q3 23	+30.0%	+49.8%
Q4 23	+24.9%	+33.8%
Q1 24	+41.8%	+47.9%
Q2 24	+32.3%	+37.8%
Q3 24	+28.3%	+32.8%
Q4 24	+6.0%	+23.7%
Q1 25	+13.0%	+11.8%
Q2 25	+16.1%	+3.9%
Q3 25	+11.6%	+7.8%
Q4 25	+25.8%	-0.0%
Q1 26	-11.2%	+4.9%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$70.0K	0.5%
Q2 22	$151.0K	0.9%
Q3 22	$131.0K	0.7%
Q4 22	$110.0K	0.5%
Q1 23	$135.0K	0.7%
Q2 23	$118.0K	0.5%
Q3 23	$113.0K	0.5%
Q4 23	$117.0K	0.5%
Q1 24	$130.0K	0.5%
Q2 24	$166.0K	0.6%
Q3 24	$169.0K	0.6%
Q4 24	$169.0K	0.6%
Q1 25	$194.0K	0.6%
Q2 25	$281.0K	0.8%
Q3 25	$158.0K	0.5%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$7M	$460.0K
Q3 22	$7M	$433.0K
Q4 22	$8M	$524.0K
Q1 23	$7M	$519.0K
Q2 23	$7M	$550.0K
Q3 23	$7M	$531.0K
Q4 23	$8M	$471.0K
Q1 24	$8M	$519.0K
Q2 24	$9M	$617.0K
Q3 24	$9M	$428.0K
Q4 24	$9M	$326.0K
Q1 25	$9M	$433.0K
Q2 25	$9M	$353.0K
Q3 25	$10M	$439.0K
Q4 25	$9M	$501.0K
Q1 26	—	$426.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$211M	$510M	$721M
Q3 22	$223M	$492M	$715M
Q4 22	$79M	$487M	$566M
Q1 23	$96M	$458M	$554M
Q2 23	$74M	$439M	$513M
Q3 23	$82M	$458M	$540M
Q4 23	$29M	$473M	$502M
Q1 24	$22M	$463M	$485M
Q2 24	$21M	$454M	$475M
Q3 24	$238M	$466M	$705M
Q4 24	$205M	$319M	$524M
Q1 25	$226M	$305M	$531M
Q2 25	$209M	$120M	$329M
Q3 25	$189M	$82M	$272M
Q4 25	$22M	$101M	$124M
Q1 26	$24M	$436M	$460M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	4M	-0.1%	+0.5%
Q3 22	4M	-0.9%	-1.0%
Q4 22	4M	-0.1%	-0.4%
Q1 23	4M	-0.1%	-1.2%
Q2 23	4M	-0.7%	-1.7%
Q3 23	4M	-0.4%	-1.2%
Q4 23	4M	-0.1%	-1.3%
Q1 24	4M	+0.5%	-0.7%
Q2 24	5M	+4.8%	+4.7%
Q3 24	4M	-3.4%	+1.6%
Q4 24	4M	-0.3%	+1.4%
Q1 25	4M	0.0%	+0.9%
Q2 25	4M	0.0%	-3.7%
Q3 25	4M	+1.6%	+1.3%
Q4 25	4M	0.0%	+1.6%
Q1 26	0	-100.0%	-100.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$59.3K	280
Q3 22	$65.5K	280
Q4 22	$67.9K	298
Q1 23	$65.5K	298
Q2 23	$72.9K	298
Q3 23	$80.0K	298
Q4 23	$82.6K	306
Q1 24	$90.4K	306
Q2 24	$93.9K	306
Q3 24	$100.0K	306
Q4 24	$87.6K	306
Q1 25	$102.2K	306
Q2 25	$109.0K	306
Q3 25	$111.6K	306
Q4 25	$110.3K	306
Q1 26	$90.8K	306

Revenue / Employee