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Franklin Financial Services Corporation FRAF Retail Time Deposits — Time Deposits

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GSBCRetail — Time Deposits
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BPRNTime Deposits Other
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WFCTime Deposits
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PEBKTime Deposits Less Than One Lakh
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BACTime Deposits
$212.54B+0.1%

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:TimeDeposits.

The official record: Franklin Financial Services Corporation’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Franklin Financial Services Corporation's retail time deposits — time deposits?
Franklin Financial Services Corporation (FRAF) reported retail time deposits — time deposits of $224.32M in Q4 2025.
How has Franklin Financial Services Corporation's retail time deposits — time deposits changed year-over-year?
Franklin Financial Services Corporation's retail time deposits — time deposits decreased by 29.0% year-over-year, from $315.91M to $224.32M.
What does retail time deposits — time deposits mean?
This metric represents the total outstanding balance of retail time deposits, such as certificates of deposit, held by the bank. It reflects the bank's reliance on fixed-term retail funding as a core component of its balance sheet. A stable or growing balance indicates strong customer retention and a reliable source of funding for lending activities.