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Franklin Financial Services Corporation FRAF Bank Owned Life Insurance

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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/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:BankOwnedLifeInsurance.

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 bank owned life insurance?
Franklin Financial Services Corporation (FRAF) reported bank owned life insurance of $22.38M in Q1 2026.
How has Franklin Financial Services Corporation's bank owned life insurance changed year-over-year?
Franklin Financial Services Corporation's bank owned life insurance decreased by 2.0% year-over-year, from $22.85M to $22.38M.
What is the long-term trend for Franklin Financial Services Corporation's bank owned life insurance?
Over 5 years (2020 to 2025), Franklin Financial Services Corporation's bank owned life insurance has grown at a 0.8% compound annual growth rate (CAGR), from $22.29M to $23.21M.
What does bank owned life insurance mean?
This represents the cash surrender value of life insurance policies purchased by the bank on the lives of key employees or officers. The bank acts as the beneficiary, using the policy to offset the costs of employee benefit programs. It serves as a tax-advantaged asset that provides stable, long-term returns for the institution.