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Franklin Financial Services Corporation FRAF Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$23.5M
EPS$1.35

Next report

Oct 27, 2026 (In 3 weeks)
Revenue estimate$24.9M
EPS estimate$1.45

Financials

Q4 2025

Income statement

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Revenue$23.3M+51.5%
Net income$6.0M+1,141%
EPS (diluted)$1.35+1,250%

Balance sheet

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Cash & equivalents$127.7M-37.3%
Total debt$3.8M-98.1%
Total equity$175.2M+21.1%
Total assets$2.2B+1.9%

Cash flow

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Operating cash flow$3.2M-24.5%
CapEx--100%
Free cash flow$3.2M-16.6%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$224.85M+70.3%
Enterprise value$100.97M-23.9%
P/E10.6×-1.3×
P/S2.5×+0.7×

Profitability

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Net margin23.9%+8.3pp
FCF margin27.7%+0.7pp

Returns & leverage

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Return on equity13.3%+5.3pp
Debt / equity0×-1.4×

FAQ

When did Franklin Financial Services Corporation report Q4 2025 earnings?
Franklin Financial Services Corporation (FRAF) reported Q4 2025 earnings on January 27, 2026 before market open.
What were Franklin Financial Services Corporation's Q4 2025 revenue and EPS?
Franklin Financial Services Corporation reported revenue of $23.5M and eps of $1.35 for Q4 2025.
How did Franklin Financial Services Corporation's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 12.4% from $26.8M a year earlier and eps grew 1127.3% from $0.11.
Where can I find Franklin Financial Services Corporation's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000723646-26-000008) and the 10-K periodic report (0000723646-26-000016) directly on SEC EDGAR. The filing index links above go to sec.gov.