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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $87M | - | $21M | $25M | 12.1% | 25.1% | 91.2% |
| 2024 | $70M | - | $11M | $19M | 7.7% | 3.9% | -18.4% |
| 2023 | $67M | - | $14M | $26M | 10.3% | 2.8% | -9.0% |
| 2022 | $65M | - | $15M | $13M | 13.1% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 65.41 | 67.25 | 69.89 | 87.44 |
| Pretax Income | 17.50 | 15.75 | 13.31 | 26.27 |
| Tax Provision | 2.56 | 2.15 | 2.22 | 5.04 |
| Net Income | 14.94 | 13.60 | 11.10 | 21.23 |
| Net Income Common Stockholders | 14.94 | 13.60 | 11.10 | 21.23 |
| Interest Expense | 4.86 | 23.12 | 43.94 | 44.73 |
| Interest Income | 56.43 | 76.71 | 100.76 | 113.59 |
| Selling General And Administration | 30.75 | 31.73 | 36.35 | 39.03 |
| Normalized Income | 14.94 | 14.03 | 11.10 | 21.23 |
| Basic EPS | 3.38 | 3.11 | 2.51 | 4.74 |
| Diluted EPS | 3.36 | 3.10 | 2.51 | 4.74 |
| Tax Effect Of Unusual Items | 0 | -0.07 | 0 | 0 |
| Tax Rate For Calcs | 0.15 | 0.14 | 0.17 | 0.19 |
| Total Unusual Items | 0 | -0.49 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | 0 | -0.49 | 0 | 0 |
| Net Income From Continuing Operation Net Minority Interest | 14.94 | 13.60 | 11.10 | 21.23 |
| Reconciled Depreciation | 1.44 | 2.02 | 2.09 | 2.15 |
| Net Interest Income | 51.56 | 53.58 | 56.82 | 68.86 |
| Net Income From Continuing And Discontinued Operation | 14.94 | 13.60 | 11.10 | 21.23 |
| Diluted Average Shares | 4.45 | 4.38 | 4.43 | 4.48 |
| Basic Average Shares | 4.42 | 4.37 | 4.43 | 4.48 |
| Diluted NI Availto Com Stockholders | 14.94 | 13.60 | 11.10 | 21.23 |
| Net Income Including Noncontrolling Interests | 14.94 | 13.60 | 11.10 | 21.23 |
| Net Income Continuous Operations | 14.94 | 13.60 | 11.10 | 21.23 |
| Special Income Charges | 0 | -0.49 | 0 | 0 |
| Other Special Charges | 0 | 0.49 | 0 | 0 |
| Gain On Sale Of Security | -0.16 | -1.10 | -4.06 | -0.01 |
| Selling And Marketing Expense | 1.92 | 2.07 | 1.89 | 1.73 |
| General And Administrative Expense | 28.83 | 29.66 | 34.46 | 37.31 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Insurance And Claims | 0.74 | 0.85 | 1.71 | 1.98 |
| Salaries And Wages | 28.09 | 28.81 | 32.75 | 35.33 |
| Operating Revenue | 65.41 | 67.25 | 69.89 | 87.44 |
| Occupancy And Equipment | 4.07 | 4.40 | 4.58 | 4.78 |
| Professional Expense And Contract Services Expense | 2.20 | 2.30 | 2.13 | 2.52 |
| Other Non Interest Expense | 10.25 | 9.85 | 11.53 | 11.93 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Franklin Financial Services Corporationthis co. | FRAF | - | - | - | 12.1% | - |
| Silvercrest Asset Management Group Inc. | SAMG | $107M | 23.59 | 2.04 | 5.8% | 9.86 |
| Sound Financial Bancorp, Inc. | SFBC | $98M | 14.04 | 0.96 | 6.5% | - |
| Kestrel Group Ltd | KG | $89M | 1.12 | 0.58 | 36.4% | - |
| Vroom, Inc. | VRM |
| $80M |
| - |
| 0.69 |
| -45.5% |
| 57.65 |
| Siebert Financial Corp. | SIEB | $72M | 13.46 | 0.79 | 5.7% | - |
| eHealth, Inc. | EHTH | $62M | - | 0.10 | 6.8% | 7.11 |
| MarketWise, Inc. | MKTW | $47M | 7.64 | -3.69 | -2.6% | -3.48 |
| GoHealth, Inc. | GOCO | $31M | - | 0.45 | 4834.1% | -7.69 |
| Peer Median | - | 13.46 | 0.63 | 6.1% | 7.11 | |