Security
Franklin Financial Services Corporation Common Stock · FRAF
FRAFNASDAQCommon stockCurrentCIK 723646Updated Oct 28, 2026
FRAF price & chart
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NASDAQ:FRAF on TradingView ↗In the news
Franklin Financial Reports Third Quarter and Year-to-Date 2026 Results; Declares Dividend ↗
Franklin Financial Reports Second Quarter and Year-to-Date 2026 Results; Declares Dividend ↗
Recent filings
Regulation FD Disclosure
Items 7.01, 9.01
Results of Operations and Financial Condition
Items 2.02, 9.01
Other Events
Items 8.01, 9.01
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02, 9.01
10-Q filing
Show 5 more recent filings
4 filing
4 filing
4 filing
Regulation FD Disclosure
Items 7.01, 9.01
Regulation FD Disclosure
Items 7.01, 9.01
Financials
FY 2025 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 2,297,077,000Source | 2,151,363,000Source | 2,335,181,000Source | 2,286,745,000Source | 2,039,126,000Source | 2,297,518,000Source | 2,257,478,000Source | 2,011,614,000Source | 2,239,018,000Source | 2,197,841,000Source | 1,836,039,000Source | 1,699,579,000Source |
| Property, Plant and Equipment, NetUSD | 28,370,000Source | 29,162,000Source | 26,262,000Source | 28,438,000Source | 28,974,000Source | 26,739,000Source | 28,765,000Source | 28,897,000Source | 27,138,000Source | 29,039,000Source | 28,543,000Source | 30,026,000Source |
| GoodwillUSD | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 188,144,000Source | 236,317,000Source | 195,031,000Source | 207,790,000Source | 179,727,000Source | 210,777,000Source | 224,956,000Source | 182,570,000Source | 127,721,000Source | 203,613,000Source | 23,140,000Source | 64,899,000Source |
| Operating Lease, Right-of-Use AssetUSD | 3,796,000Source | 4,251,000Source | 4,048,000Source | 3,943,000Source | 4,380,000Source | 4,199,000Source | 4,090,000Source | 4,536,000Source | 3,657,000Source | 4,106,000Source | 4,680,000Source | 6,010,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 2,130,734,000Source | 2,001,435,000Source | 2,151,336,000Source | 2,129,381,000Source | 1,902,317,000Source | 2,118,774,000Source | 2,106,087,000Source | 1,877,377,000Source | 2,063,776,000Source | 2,053,125,000Source | 1,703,903,000Source | 1,585,382,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 4,711,000Source | 4,711,000Source | 4,711,000Source | 4,711,000Source | 4,711,000Source | 4,711,000Source | 4,711,000Source | 4,711,000Source | 4,711,000Source | 4,711,000Source | 4,711,000Source | 4,711,000Source |
| Retained Earnings (Accumulated Deficit)USD | 150,279,000Source | 140,388,000Source | 165,085,000Source | 146,403,000Source | 137,581,000Source | 160,001,000Source | 141,967,000Source | 135,955,000Source | 154,844,000Source | 139,463,000Source | 133,993,000Source | 125,892,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -25,806,000Source | -30,885,000Source | -23,458,000Source | -30,784,000Source | -40,881,000Source | -23,265,000Source | -31,856,000Source | -41,234,000Source | -21,589,000Source | -35,508,000Source | -40,940,000Source | -51,287,000Source |
| Stockholders' Equity Attributable to ParentUSD | 166,343,000Source | 149,928,000Source | 183,845,000Source | 157,364,000Source | 136,809,000Source | 178,744,000Source | 151,391,000Source | 134,237,000Source | 175,242,000Source | 144,716,000Source | 132,136,000Source | 114,197,000Source |
| Additional Paid in Capital, Common StockUSD | 43,750,000Source | 43,697,000Source | 44,135,000Source | 43,763,000Source | 43,547,000Source | 43,776,000Source | 43,607,000Source | 43,459,000Source | 43,932,000Source | 43,791,000Source | 43,646,000Source | 43,535,000Source |
| Liabilities and EquityUSD | 2,297,077,000Source | 2,151,363,000Source | 2,335,181,000Source | 2,286,745,000Source | 2,039,126,000Source | 2,297,518,000Source | 2,257,478,000Source | 2,011,614,000Source | 2,239,018,000Source | 2,197,841,000Source | 1,836,039,000Source | 1,699,579,000Source |
| Additional Financial Items | ||||||||||||
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after TaxUSD | — | — | — | — | — | — | — | — | -483,000Source | -1,420,000Source | -1,901,000Source | 2,704,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation and amortization | — | — | — | — | — | — | —Source | —Source | —Source | —Source | —Source | —Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 156,000Source | 194,000Source | 819,000Source | 634,000Source | 483,000Source | 462,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | -751,000Source | -473,000Source | 1,140,000Source | 1,172,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 24,095,000Source | 8,823,000Source | 25,442,000Source | 21,755,000Source | 26,565,000Source | 25,244,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | 6,638,000Source | -38,317,000Source | -107,021,000Source | -184,366,000Source | -178,267,000Source | -95,055,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 405,000Source | 142,000Source | 1,104,000Source | 827,000Source | 2,394,000Source | 3,334,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 52,323,000Source | 50,837,000Source | 5,687,000Source | 343,084,000Source | 109,943,000Source | -40,439,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 1,480,000Source | 1,418,000Source | 5,845,000Source | 5,629,000Source | 5,595,000Source | 5,658,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 188,144,000Source | 236,317,000Source | 195,031,000Source | 207,790,000Source | 210,777,000Source | 224,956,000Source | 127,721,000Source | 203,613,000Source | 23,140,000Source | 64,899,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 9,303,000Source | 12,146,000Source | 45,562,000Source | 43,105,000Source | 19,460,000Source | 4,754,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 5,345,000Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | — | — | — | — | — | — | 10,000Source | — | — | — |
| Bank Owned Life Insurance IncomeUSD | — | — | 115,000Source | 116,000Source | 135,000Source | 116,000Source | 132,000Source | 115,000Source | 469,000Source | 457,000Source | 448,000Source | 436,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | — | — | — | — | — | — | -4,267,000Source | -1,119,000Source | -91,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | -4,267,000Source | -1,119,000Source | -91,000Source |
| Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to Settlement and CurtailmentUSD | — | — | — | — | — | — | — | — | -91,000Source | -43,000Source | — | -598,000Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 2,070,000Source | 1,758,000Source | 2,137,000Source | 1,382,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 1,251,000Source | 474,000Source | 1,600,000Source | 704,000Source | 202,000Source | 750,000Source | 3,030,000Source | 1,975,000Source | 2,589,000Source | — |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | 170,000Source | 193,000Source | 227,000Source | 132,000Source | 318,000Source | 109,000Source | 672,000Source | 565,000Source | 199,000Source | 770,000Source |
| Gain (Loss) on Termination of LeaseUSD | — | — | — | — | — | — | — | — | — | — | -495,000Source | — |
| GoodwillUSD | — | — | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source | 9,016,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,304,000Source | 885,000Source | 1,637,000Source | 1,409,000Source | 1,670,000Source | 890,000Source | 5,041,000Source | 2,216,000Source | 2,155,000Source | 2,557,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 5,354,000Source | 4,218,000Source | 6,611,000Source | 5,908,000Source | 6,637,000Source | 3,922,000Source | 21,226,000Source | 11,099,000Source | 13,598,000Source | 14,938,000Source |
| Pension Cost (Reversal of Cost)USD | — | — | — | — | — | — | — | — | 276,000Source | 168,000Source | 99,000Source | 908,000Source |
| Proceeds from Issuance of Long-term DebtUSD | — | — | — | — | — | — | — | — | — | 200,000,000Source | — | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 17,214,000Source | 19,643,000Source | — | 42,413,000Source | 40,113,000Source | 19,629,000Source |
| Proceeds from Stock Options ExercisedUSD | — | — | — | — | — | — | 6,000Source | 23,000Source | 286,000Source | 122,000Source | 47,000Source | 48,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 1,198,000Source | 485,000Source | 1,639,000Source | 635,000Source | 221,000Source | 779,000Source | 2,899,000Source | 1,983,000Source | 2,724,000Source | — |
| Gain (Loss) on Disposition of Property Plant Equipment | — | — | — | — | — | — | —Source | — | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 6,658,000Source | 5,103,000Source | 8,248,000Source | 7,317,000Source | 8,307,000Source | 4,812,000Source | 26,267,000Source | 13,315,000Source | 15,753,000Source | 17,495,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,304,000Source | 885,000Source | 1,637,000Source | 1,409,000Source | 1,670,000Source | 890,000Source | 5,041,000Source | 2,216,000Source | 2,155,000Source | 2,557,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 5,354,000Source | 4,218,000Source | 6,611,000Source | 5,908,000Source | 6,637,000Source | 3,922,000Source | 21,226,000Source | 11,099,000Source | 13,598,000Source | 14,938,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.2Source | 0.96Source | 1.47Source | 1.32Source | 1.48Source | 0.88Source | 4.76Source | 2.52Source | 3.11Source | 3.38Source |
| Earnings Per Share, DilutedUSD per share | — | — | 1.19Source | 0.95Source | 1.47Source | 1.32Source | 1.48Source | 0.88Source | 4.74Source | 2.51Source | 3.1Source | 3.36Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 4,474,000Source | 4,412,000Source | 4,493,000Source | 4,461,000Source | 4,474,000Source | 4,436,000Source | 4,463,000Source | 4,403,000Source | 4,374,000Source | 4,421,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 4,498,000Source | 4,423,000Source | 4,503,000Source | 4,471,000Source | 4,486,000Source | 4,451,000Source | 4,476,000Source | 4,414,000Source | 4,381,000Source | 4,445,000Source |
| Additional Financial Items | ||||||||||||
| Bank Owned Life Insurance IncomeUSD | — | — | 115,000Source | 116,000Source | 135,000Source | 116,000Source | 132,000Source | 115,000Source | 469,000Source | 457,000Source | 448,000Source | 436,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.33Source | 0.32Source | 0.34Source | 0.33Source | 0.33Source | 0.32Source | 1.31Source | 1.28Source | 1.28Source | 1.28Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 5,792,000Source | 2,689,000Source | 1,015,000Source | 1,385,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | — | — | — | — | — | — | -4,267,000Source | -1,119,000Source | -91,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | — | — | — | — | 513,000Source | 537,000Source | 2,146,000Source | 2,090,000Source | 2,016,000Source | 1,437,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 1,251,000Source | 474,000Source | 1,600,000Source | 704,000Source | 202,000Source | 750,000Source | 3,030,000Source | 1,975,000Source | 2,589,000Source | — |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 23,125,000Source | 4,863,000Source |
| InterestExpenseOperatingUSD | — | — | 11,482,000Source | 11,401,000Source | 9,584,000Source | 11,362,000Source | 9,249,000Source | 11,452,000Source | 44,725,000Source | 43,937,000Source | — | — |
| Interest Income, Debt Securities, OperatingUSD | — | — | 4,804,000Source | 4,511,000Source | — | 4,982,000Source | — | 5,286,000Source | 19,504,000Source | 18,218,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 18,193,000Source | 14,652,000Source | 19,347,000Source | 17,238,000Source | 18,521,000Source | 15,606,000Source | 69,646,000Source | 57,514,000Source | 53,637,000Source | 51,586,000Source |
| Labor and Related ExpenseUSD | — | — | 9,133,000Source | 8,081,000Source | 8,615,000Source | 8,864,000Source | 9,025,000Source | 8,506,000Source | 35,329,000Source | 32,752,000Source | 28,813,000Source | 28,094,000Source |
| Marketing and Advertising ExpenseUSD | — | — | 439,000Source | 428,000Source | 362,000Source | 353,000Source | 426,000Source | 433,000Source | 1,726,000Source | 1,891,000Source | 2,071,000Source | 1,915,000Source |
| Other IncomeUSD | — | — | 2,547,000Source | 2,756,000Source | — | 2,684,000Source | — | 2,347,000Source | 10,007,000Source | 5,141,000Source | — | — |
| Interest Income, Operating | — | — | — | — | — | — | —Source | — | — | — | — | — |
Filing attachments
fraf-20260818xex99_1.htm · 8-K · 2026-08-18
EX-99.1 2 fraf-20260818xex99_1.htm EX-99.1 8-K August 2026 -Exh 991 Exhibit 99.1 August 17, 2026 FIRST AMENDMENT TO EMPLOYMENT AGREEMENT THIS FIRST AMENDMENT TO EMPLOYMENT AGREEMENT (“First Amendment”) is made this 17th day of August, 2026 by and among FRANKLIN FINANCIAL SERVICES CORP, a Pennsylvania business corporation (the “Corporation”), FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG (the “Bank”) and CHARLES (CHAD) B. CARROLL, an adult individual (“Executive”) residing in Pe…
Read attachment ↗fraf-20260724xex99_1.htm · 8-K/A · 2026-07-24
EX-99.1 2 fraf-20260724xex99_1.htm EX-99.1 8-K Investor Presentation Q2 2026 – Exhibit 99.1 Exhibit 99.1 Corporate Headquarters - Chambersburg, PA Investor Presentation Second Quarter 2026 Highlights Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq) Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such f…
Read attachment ↗fraf-20260724xex99_1.htm · 8-K · 2026-07-24
EX-99.1 2 fraf-20260724xex99_1.htm EX-99.1 8-K Investor Presentation Q2 2026 - Exhibit 991 Exhibit 99.1 Investor Presentation First Quarter 2026 Highlights Stock Symbol: FRAF (Nasdaq) Franklin Financial Services Corporation F&M TRUST Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements refer to a future period or periods, reflecti…
Read attachment ↗fraf-20260724xex99_1.htm · 8-K · 2026-07-24
EX-99.1 2 fraf-20260724xex99_1.htm EX-99.1 8-K EarningsRelease 2Q 2026-Exh 991 Exhibit 99.1 July 24, 2026 Franklin Financial Reports Second Quarter and Year-to-Date 2026 Results; Declares Dividend (CHAMBERSBURG, PA) 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 2026 financial results. A summary of notable operating results as of or …
Read attachment ↗fraf-20260501xex99_1.htm · 8-K/A · 2026-05-04
Exhibit 99.1 Investor Presentation First Quarter 2026 Highlights Stock Symbol: FRAF (Nasdaq) Franklin Financial Services Corporation F&M TRUST Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements refer to a future period or periods, reflecting management’s current views as to likely future developments, and use words “may,” “will,” “ex…
Read attachment ↗fraf-20260501xex99_2.htm · 8-K/A · 2026-05-04
Exhibit 99.2 Corporate Headquarters - Chambersburg, PA Annual Meeting April 28, 2026 Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq) Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation Minutes of Last Meeting G. Warren Elliott F&M TRUST Franklin Financial Services Corporation Forward Looking Statements In order to help you to better understand the…
Read attachment ↗