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NASDAQFinancial ServicesBanks - Regional
Latest quote
$64.26
+$1.06 · +1.68%
Franklin Financial Services Corporation (FRAF) operates as the parent company for Farmers and Merchants Trust Company of Chambersburg, delivering a comprehensive array of financial solutions. This includes commercial, retail banking, and trust services for a diverse clientele, comprising individuals, small and medium-sized businesses, governmental entities, and non-profit organizations throughout Pennsylvania. The company provides various deposit options, such as checking, savings, money market, and time deposit accounts, alongside demand deposits. Its lending portfolio is extensive, featuring commercial real estate, construction and land development, and agricultural loans. It also offers secured and unsecured commercial and industrial financing, including accounts receivable, inventory, and equipment loans, as well as residential mortgages and consumer installment and revolving loans. Beyond core banking, Franklin Financial offers robust investment and trust services. These encompass estate planning and administration, management of corporate and personal trust funds, oversight of pension and other employee benefit funds, and custodial services. Additionally, the company facilitates the sale of mutual funds, annuities, and insurance products, and provides safe deposit facilities and fiduciary services. Through its subsidiary, Franklin Future Fund Inc., the corporation also operates as a non-bank investment firm, engaging in venture capital investments. Established in 1906 and headquartered in Chambersburg, Pennsylvania, Franklin Financial Services Corporation serves its customers through 22 community banking offices located across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania.
Previous close
$64.26
+$1.06 · +1.68%
Regular session · ET · Market data may be delayed.
Franklin Financial Services Corporation (FRAF) operates as the parent company for Farmers and Merchants Trust Company of Chambersburg, delivering a comprehensive array of financial solutions. This includes commercial, retail banking, and trust services for a diverse clientele, comprising individuals, small and medium-sized businesses, governmental entities, and non-profit organizations throughout Pennsylvania. The company provides various deposit options, such as checking, savings, money market, and time deposit accounts, alongside demand deposits. Its lending portfolio is extensive, featuring commercial real estate, construction and land development, and agricultural loans. It also offers secured and unsecured commercial and industrial financing, including accounts receivable, inventory, and equipment loans, as well as residential mortgages and consumer installment and revolving loans. Beyond core banking, Franklin Financial offers robust investment and trust services. These encompass estate planning and administration, management of corporate and personal trust funds, oversight of pension and other employee benefit funds, and custodial services. Additionally, the company facilitates the sale of mutual funds, annuities, and insurance products, and provides safe deposit facilities and fiduciary services. Through its subsidiary, Franklin Future Fund Inc., the corporation also operates as a non-bank investment firm, engaging in venture capital investments. Established in 1906 and headquartered in Chambersburg, Pennsylvania, Franklin Financial Services Corporation serves its customers through 22 community banking offices located across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania.
Day range
Current $64.26
52-week range
Current $64.26
Regular session · ET · Market data may be delayed.
GoAI Score
Buy
Valuation
92
Deep Value
Sentiment
70
Bullish
Risk
24
Moderate Risk
Momentum
57
Neutral
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
Franklin Financial Services Corporation (FRAF) operates as the parent company for Farmers and Merchants Trust Company of Chambersburg, delivering a comprehensive array of financial solutions. This includes commercial, retail banking, and trust services for a diverse clientele, comprising individuals, small and medium-sized businesses, governmental entities, and non-profit organizations throughout Pennsylvania. The company provides various deposit options, such as checking, savings, money market, and time deposit accounts, alongside demand deposits. Its lending portfolio is extensive, featuring commercial real estate, construction and land development, and agricultural loans. It also offers secured and unsecured commercial and industrial financing, including accounts receivable, inventory, and equipment loans, as well as residential mortgages and consumer installment and revolving loans. Beyond core banking, Franklin Financial offers robust investment and trust services. These encompass estate planning and administration, management of corporate and personal trust funds, oversight of pension and other employee benefit funds, and custodial services. Additionally, the company facilitates the sale of mutual funds, annuities, and insurance products, and provides safe deposit facilities and fiduciary services. Through its subsidiary, Franklin Future Fund Inc., the corporation also operates as a non-bank investment firm, engaging in venture capital investments. Established in 1906 and headquartered in Chambersburg, Pennsylvania, Franklin Financial Services Corporation serves its customers through 22 community banking offices located across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania.
Day range
Current $64.26
52-week range
Current $64.26
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 133.55M USD | 113.83M USD | 90.38M USD | 70.27M USD | 63.98M USD |
| Cost of goods sold | 47.62M USD | 45.92M USD | 25.85M USD | 5.51M USD | 802K USD |
| Gross profit | 85.92M USD | 67.91M USD | 64.53M USD | 64.76M USD | 63.18M USD |
| Selling, general, and administrative | 1.73M USD | 36.35M USD | 31.74M USD | 30.75M USD | 27.05M USD |
| Operating expenses | 59.66M USD | 54.6M USD | 48.78M USD | 47.26M USD | 40.16M USD |
| Interest income | 114.37M USD | 100.76M USD | 76.71M USD | 56.43M USD | 47.56M USD |
| Interest expense | 44.73M USD | 43.94M USD | 23.13M USD | 4.86M USD | 2.9M USD |
| Depreciation and amortization | 2.15M USD | 2.09M USD | 2.02M USD | 1.44M USD | 1.2M USD |
| Operating income | 26.27M USD | 13.32M USD | 15.75M USD | 17.5M USD | 23.01M USD |
| Net income | 21.23M USD | 11.1M USD | 13.6M USD | 14.94M USD | 19.62M USD |
Company facts updated Sep 7, 2026.
Recent quarterly results
Recent quarterly results
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Jun 29, 2004 | 5:4 | — | — |
Stock split | Feb 4, 1998 | 3:2 | — | — |
Stock split | Jan 2, 1996 | 3:2 | — | — |
Effective Jun 29, 2004
5:4
Effective Feb 4, 1998
3:2
Effective Jan 2, 1996
3:2
AI-generated and delayed market data for informational and educational purposes only. Not investment advice.
