Franklin Financial Services Corporation (FRAF) Income Statement Analysis

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Complete financial analysis of Franklin Financial Services Corporation (FRAF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Franklin Financial Services Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.

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Franklin Financial Services Corporation (FRAF)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.franklinfin.com

About Franklin Financial Services Corporation

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, agricultural, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans to consumers; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, as well as custodial services; sells mutual funds, annuities, and insurance products; and offers safe deposit facilities and fiduciary services. Further, the company, through its subsidiary, Franklin Future Fund Inc., operates as a non-bank investment company that makes venture capital investments. It operates twenty-two community banking offices in Franklin, Cumberland, Fulton, and Huntingdon counties, Pennsylvania. Franklin Financial Services Corporation was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	65.76M	65.41M	61.08M	55.96M	56.52M	52.28M	48.62M	45.48M	44.07M	41.75M	40.84M	41.07M	43.08M	40.21M	38.39M	36.66M	35.87M	29.20M	24.53M	23.08M	23.57M	21.49M	21.21M	19.58M	18.90M	6.09M	5.24M	4.38M	3.70M
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	65.76M	65.41M	61.08M	55.96M	56.52M	52.28M	48.62M	45.48M	44.07M	41.75M	40.84M	41.07M	43.08M	40.21M	38.39M	36.66M	35.87M	29.20M	24.53M	23.08M	23.57M	21.49M	21.21M	19.58M	18.90M	6.09M	5.24M	4.38M	3.70M
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	29.66M	28.83M	25.52M	22.85M	22.25M	20.65M	19.24M	18.86M	17.85M	18.09M	17.57M	17.72M	17.74M	16.39M	15.65M	12.09M	11.49M	9.77M	8.81M	8.38M	7.44M	7.05M	6.68M	6.82M	6.40M	6.05M	6.43M	6.41M	6.10M
Selling & Marketing	2.07M	1.92M	1.53M	1.76M	1.76M	1.56M	1.20M	1.16M	1.11M	1.23M	1.38M	1.40M	1.34M	1.34M	1.33M	1.79M	1.34M	1.13M	916.00K	808.00K	769.00K	619.00K	613.00K	550.00K	500.00K	0.00	0.00	0.00	0.00
SG&A	31.74M	30.75M	27.05M	24.61M	24.00M	22.20M	20.44M	20.01M	18.95M	19.31M	18.95M	19.12M	19.08M	17.73M	16.98M	13.87M	12.83M	10.90M	9.72M	9.19M	8.21M	7.67M	7.30M	7.37M	6.90M	6.05M	6.43M	6.41M	6.10M
Other Expenses	35.52M	-15.38M	-65.11M	-67.51M	-61.53M	-67.26M	-10.18M	-10.88M	0.00	0.00	0.00	0.00	240.00K	0.00	422.00K	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-20.84M	-4.50M	-19.15M	6.30M	-18.39M	-17.63M
Operating Expenses	67.25M	1.92M	-38.06M	-42.90M	-37.53M	-42.11M	1.20M	1.16M	1.11M	2.45M	2.56M	2.57M	2.40M	2.85M	3.02M	2.93M	2.35M	2.05M	1.77M	1.52M	1.38M	1.10M	1.04M	-13.47M	2.40M	-13.10M	12.74M	-11.98M	-11.53M
Cost & Expenses	67.25M	1.92M	-38.06M	-42.90M	-37.53M	-42.11M	1.20M	1.16M	1.11M	2.45M	2.56M	2.57M	2.40M	2.85M	3.02M	2.93M	2.35M	2.05M	1.77M	1.52M	1.38M	1.10M	1.04M	-13.47M	2.40M	-13.10M	12.74M	-11.98M	-11.53M
Interest Income	76.71M	56.43M	47.56M	45.92M	49.21M	44.84M	39.86M	36.96M	34.55M	34.69M	35.96M	39.06M	41.71M	43.23M	43.61M	46.16M	49.49M	40.90M	29.71M	24.81M	24.88M	27.39M	31.30M	32.45M	29.40M	27.53M	26.31M	24.80M	24.97M
Interest Expense	23.13M	4.86M	2.90M	3.98M	7.11M	4.21M	2.49M	2.25M	2.37M	3.18M	4.38M	6.89M	9.15M	12.44M	14.67M	16.04M	23.80M	19.96M	12.17M	8.82M	9.06M	11.80M	15.77M	17.92M	15.00M	13.15M	12.23M	11.09M	11.21M
Depreciation & Amortization	2.02M	1.38M	1.14M	1.23M	1.26M	1.23M	1.24M	1.27M	1.54M	1.98M	1.96M	1.97M	2.09M	1.92M	2.04M	2.29M	1.49M	1.50M	1.63M	1.91M	2.06M	1.65M	989.00K	938.00K	800.00K	761.00K	775.00K	741.00K	627.00K
EBITDA	0.00	18.93M	24.22M	14.39M	20.37M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA Ratio	0.00%	36.38%	39.65%	25.71%	36.03%	22.00%	19.77%	28.66%	37.19%	37.29%	33.96%	35.89%	42.30%	61.96%	65.95%	83.48%	103.98%	106.58%	85.00%	73.37%	77.78%	94.09%	111.46%	127.51%	116.93%	331.98%	357.75%	395.75%	471.83%
Operating Income	16.25M	22.36M	23.01M	13.06M	19.00M	10.17M	8.23M	9.39M	12.48M	10.41M	7.53M	5.88M	16.13M	10.55M	8.60M	12.28M	12.02M	9.67M	7.05M	6.21M	7.21M	6.77M	6.88M	6.11M	21.30M	-7.01M	17.98M	-7.60M	-7.83M
Operating Income Ratio	24.71%	34.18%	37.68%	23.34%	33.61%	19.46%	16.93%	20.64%	28.31%	24.93%	18.43%	14.31%	37.45%	26.24%	22.39%	33.49%	33.50%	33.10%	28.73%	26.89%	30.61%	31.50%	32.44%	31.22%	112.70%	-115.05%	342.96%	-173.49%	-211.48%
Total Other Income/Expenses	-495.00K	-6.70M	-5.79M	-5.83M	-5.82M	-8.05M	-15.63M	-7.18M	-5.98M	17.00K	-28.00K	-1.97M	-312.00K	-913.00K	-422.00K	-1.03M	0.00	0.00	-987.00K	0.00	0.00	0.00	0.00	0.00	-15.00M	13.32M	-12.23M	13.11M	13.46M
Income Before Tax	15.75M	17.50M	23.01M	13.06M	19.00M	5.96M	5.74M	9.39M	12.48M	10.41M	7.53M	5.88M	6.98M	10.55M	8.60M	12.28M	12.02M	9.67M	7.05M	6.21M	7.21M	6.77M	6.88M	6.11M	6.30M	6.31M	5.75M	5.51M	5.63M
Income Before Tax Ratio	23.95%	26.75%	37.68%	23.34%	33.61%	11.40%	11.81%	20.64%	28.31%	24.93%	18.43%	14.31%	16.20%	26.24%	22.39%	33.49%	33.50%	33.10%	28.73%	26.89%	30.61%	31.50%	32.44%	31.22%	33.33%	103.58%	109.75%	125.71%	152.08%
Income Tax Expense	2.16M	2.56M	3.40M	258.00K	2.88M	-165.00K	3.57M	1.30M	2.27M	2.01M	1.30M	512.00K	411.00K	2.94M	2.01M	3.68M	2.76M	2.10M	937.00K	1.02M	1.37M	1.20M	1.29M	1.11M	1.20M	1.50M	1.39M	1.38M	1.45M
Net Income	13.60M	14.94M	19.62M	12.80M	16.12M	6.13M	2.18M	8.09M	10.20M	8.40M	6.23M	5.37M	6.57M	7.61M	6.59M	8.60M	9.26M	7.57M	6.11M	5.19M	5.84M	5.57M	5.59M	5.01M	5.10M	4.81M	4.36M	4.13M	4.18M
Net Income Ratio	20.68%	22.84%	32.12%	22.87%	28.51%	11.71%	4.48%	17.78%	23.16%	20.13%	15.26%	13.06%	15.25%	18.93%	17.16%	23.45%	25.80%	25.92%	24.91%	22.49%	24.78%	25.93%	26.37%	25.57%	26.98%	78.89%	83.23%	94.22%	112.88%
EPS	3.11	3.38	4.44	2.94	3.68	1.40	0.50	1.88	2.40	1.99	1.49	1.31	1.63	1.94	1.71	2.24	2.41	2.11	1.82	1.54	1.74	1.66	1.67	1.48	1.49	1.41	1.27	1.17	1.16
EPS Diluted	3.10	3.36	4.42	2.93	3.67	1.39	0.50	1.88	2.40	1.99	1.49	1.31	1.63	1.94	1.71	2.24	2.40	2.10	1.81	1.54	1.74	1.66	1.64	1.45	1.47	1.39	1.26	1.17	1.16
Weighted Avg Shares Out	4.37M	4.42M	4.42M	4.36M	4.38M	4.38M	4.34M	4.30M	4.24M	4.20M	4.14M	4.07M	4.02M	3.92M	3.84M	3.83M	3.84M	3.59M	3.36M	3.37M	3.36M	3.34M	3.35M	3.39M	3.41M	3.41M	3.42M	3.52M	3.61M
Weighted Avg Shares Out (Dil)	4.38M	4.45M	4.44M	4.37M	4.40M	4.40M	4.36M	4.30M	4.25M	4.22M	4.17M	4.11M	4.02M	3.92M	3.84M	3.83M	3.85M	3.60M	3.38M	3.37M	3.36M	3.36M	3.42M	3.45M	3.46M	3.46M	3.46M	3.52M	3.61M

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Franklin Financial Services Corporation (FRAF) Income Statement Analysis – Financial Results

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