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Franklin Financial Services Corporation FRAF Allowance for credit losses

Allowance for credit losses at other companies

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M&T BankMTB
$2.14B-2.9%
Fulton Financial logo
Fulton FinancialFULT
$367.49M-3.2%
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PNC Financial ServicesPNC
$4.66B+2.6%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$1.52M+99.1%
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$19.18M-17.0%
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Fidelity D & D Bancorp, Inc.FDBC
——

Other financials

Income statement

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Revenue$23.9M+18.4%
Net income$6.6M+69.2%
EPS (diluted)$1.48+68.2%

Balance sheet

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Cash & equivalents$210.8M-6.3%
Total debt$4.4M+3.3%
Total equity$178.7M+18.1%
Total assets$2.3B+1.8%

Cash flow

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Operating cash flow$24.1M+173%
CapEx--100%
Free cash flow$3.2M-16.6%

Valuation

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Market cap$281.26M+85.2%
Enterprise value$74.88M-261%
P/E11.8×+1.3×
P/S3×+1.1×

Profitability

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Net margin25.9%+10.0pp
FCF margin27.7%+0.7pp

Returns & leverage

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Return on equity14.5%+6.3pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Franklin Financial Services Corporation in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

The official record: Franklin Financial Services Corporation’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Franklin Financial Services Corporation's allowance for credit losses?
Franklin Financial Services Corporation (FRAF) reported allowance for credit losses of $20.73M in Q1 2026.
How has Franklin Financial Services Corporation's allowance for credit losses changed year-over-year?
Franklin Financial Services Corporation's allowance for credit losses increased by 12.4% year-over-year, from $18.44M to $20.73M.
What is the long-term trend for Franklin Financial Services Corporation's allowance for credit losses?
Over 5 years (2020 to 2025), Franklin Financial Services Corporation's allowance for credit losses has grown at a 146.3% compound annual growth rate (CAGR), from $228K to $20.66M.
What does allowance for credit losses mean?
Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.