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Franklin Financial Services Corporation

FRAF

Franklin Financial Services Corporation is a bank holding company that operates primarily through its subsidiary, F&M Trust, to provide comprehensive commercial and retail banking services.

Market cap
$283.78M+63.2%
Revenue$94.7M+22.4%
Net income$24.6M+69.6%
EPS (diluted)$5.49+68.9%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$24.9M
EPS estimate$1.45

Financials

Q2 2026

Income statement

See full
Revenue$24.5M+9.6%
Net income$6.6M+11.9%
EPS (diluted)$1.47+11.4%

Balance sheet

See full
Cash & equivalents$195.0M-6.1%
Total equity$183.8M+16.8%
Total assets$2.3B+2.1%

Valuation & ratios

Valuation

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Market cap$283.78M+63.2%
P/E11.5×-0.5×
P/S+0.7×

Profitability

See full
Net margin26%+7.2pp

Returns & leverage

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Return on equity14.4%+4.6pp

Competitors

Profile

Franklin Financial Services Corporation is a bank holding company that operates primarily through its subsidiary, F&M Trust, to provide comprehensive commercial and retail banking services. The company focuses on relationship-based community banking, offering credit solutions, deposit products, and investment management to individuals, businesses, and governmental entities. Its core value proposition centers on local customer service and a long-standing presence in the south-central Pennsylvania and Maryland markets.

Competitive position

The company is a leading community bank in its primary market, holding the largest market share in Franklin County, Pennsylvania, while competing against larger regional and national institutions.

GeographiesPennsylvania, Maryland, United States
Customer segmentsRetail Banking Customers, Commercial Enterprises, Municipalities, Trust and Estate Clients
Business modelInterest-based Lending, Asset Management Fees, Transaction Fees
SuppliersFederal Deposit Insurance Corporation, Technology and Core Banking Software Providers, Capital Markets
CustomersSmall Business Owners, Homeowners, Local Municipalities, Retirees
Listed1998
Employees306.0
CEOCraig W. Best
FilingsSEC EDGAR

FAQ

What is Franklin Financial Services Corporation's market cap?
Franklin Financial Services Corporation (FRAF) has a market capitalization of $283.8M and trades on NASDAQ.
What is Franklin Financial Services Corporation's revenue and profitability?
Franklin Financial Services Corporation generated $94.7M in trailing twelve-month revenue with net income of $24.6M, representing a net margin of 26.0%. These figures are based on the Q2 2026 filing.
Who are Franklin Financial Services Corporation's competitors?
Franklin Financial Services Corporation's key competitors include PNC Financial Services Group, Inc., M&T Bank Corporation, Fulton Financial Corporation, and others. These companies compete in similar markets and product categories.
What subsidiaries does Franklin Financial Services Corporation have?
Franklin Financial Services Corporation's subsidiaries include Farmers and Merchants Trust Company of Chambersburg, Franklin Future Fund Inc., Franklin Financial Properties Corp..
Where is Franklin Financial Services Corporation headquartered?
Franklin Financial Services Corporation is headquartered in United States of America and employs approximately 306 people. It has been publicly traded since 1998.