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Franklin Financial Services Corporation FRAF Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

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Citizens Financial Services, Inc.CZFS
$570K+64.7%
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CB Financial ServicesCBFV
$152K+2.0%
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Financial InstitutionsFISI
$2.77M-0.2%
Greene County Bancorp logo
Greene County BancorpGCBC
$708K+13.3%
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Community Financial SystemCBU
$991K+78.2%
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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/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:BankOwnedLifeInsuranceIncome.

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 income?
Franklin Financial Services Corporation (FRAF) reported bank owned life insurance income of $132K in Q1 2026.
How has Franklin Financial Services Corporation's bank owned life insurance income changed year-over-year?
Franklin Financial Services Corporation's bank owned life insurance income increased by 14.8% year-over-year, from $115K to $132K.
What is the long-term trend for Franklin Financial Services Corporation's bank owned life insurance income?
Over 4 years (2021 to 2025), Franklin Financial Services Corporation's bank owned life insurance income has grown at a 1.3% compound annual growth rate (CAGR), from $446K to $469K.
What does bank owned life insurance income mean?
Represents the earnings generated from bank-owned life insurance policies, typically reflecting the increase in cash surrender value. This income stream serves as a tax-advantaged method for banks to offset the costs associated with employee benefit plans.