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Franklin Financial Services Corporation FRAF Community — Provision For Loan Lease And Other Losses

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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/S+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×

Where this comes from

Reported directly by Franklin Financial Services Corporation in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

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 community — provision for loan lease and other losses?
Franklin Financial Services Corporation (FRAF) reported community — provision for loan lease and other losses of $221K in Q1 2026.
How has Franklin Financial Services Corporation's community — provision for loan lease and other losses changed year-over-year?
Franklin Financial Services Corporation's community — provision for loan lease and other losses decreased by 71.6% year-over-year, from $779K to $221K.
What is the long-term trend for Franklin Financial Services Corporation's community — provision for loan lease and other losses?
Over 2 years (2023 to 2025), Franklin Financial Services Corporation's community — provision for loan lease and other losses has grown at a 3.2% compound annual growth rate (CAGR), from $2.72M to $2.9M.
What does community — provision for loan lease and other losses mean?
Represents the periodic expense set aside by the community banking segment to cover potential losses from loan defaults or credit deterioration. This metric serves as a buffer against credit risk and reflects management's assessment of the loan portfolio's quality. Higher provisions indicate increased perceived risk or growth in the loan book.