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FRANKLIN FINANCIAL SERVICES CORP /PA/

FRAF

$62.19 ▼ -0.73 (-1.17%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

FRANKLIN FINANCIAL SERVICES CORP /PA/ shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $277.6M

Dividend Yield 2.11%

Revenue Growth 24.8% ↗

Op. Margin 29.6% ↗

ROIC None

FCF / Share None

Trailing P/E 13.1x

Price / Book 1.6x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$88.82M

↑ +24.8% —

Net Income Profit after all expenses

$21.23M

↑ +91.2% —

Operating Margin Operating profit as % of sales

29.6%

↑ +58.1% 86th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Dividend History

Dividend / share · sourced from SEC filings

$1.31 Latest / share

+2.3% YoY

+6.1% 12-yr CAGR

$0.68

FY 2014

$0.74

FY 2015

$0.82

FY 2016

$0.93

FY 2017

$1.05

FY 2018

$1.17

FY 2019

$1.20

FY 2020

$1.25

FY 2021

$1.28

FY 2022

$1.28

FY 2023

$1.28

FY 2024

$1.31

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	24.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+313%)	3.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	4.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	12.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+108%)	-0.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-115%)	8.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	7.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+24%)	7.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+17%)	3.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	5.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-16%)	2.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-52%)	-0.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-106%)	-2.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-144%)	6.5% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+9%)	5.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	—	—
EPS Growth YoY (%)	88.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-19.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-8.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-23.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	51.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-20.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	162.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	180.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-73.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-21.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	19.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	33.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-20.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-15.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	14.6% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	91.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-18.4% Weak ↓ Weak Declining Year-over-year change in net income	-9.0% Weak ↓ Weak Declining Year-over-year change in net income	-23.8% Weak ↓ Weak Declining Year-over-year change in net income	53.2% Excellent ↓ Excellent Declining Year-over-year change in net income	-20.6% Weak ↓ Weak Declining Year-over-year change in net income	163.1% Excellent ↑ Excellent Improving Year-over-year change in net income	181.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-73.1% Weak ↓ Weak Declining Year-over-year change in net income	-20.7% Weak ↓ Weak Declining Year-over-year change in net income	21.4% Good ↑ Good Improving Year-over-year change in net income	34.8% Excellent ↑ Excellent Improving Year-over-year change in net income	16.2% Good ↑ Good Improving Year-over-year change in net income	-18.3% Weak ↓ Weak Declining Year-over-year change in net income	-13.7% Weak Weak Year-over-year change in net income	15.6% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	9.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.1% Weak Weak Compound annual revenue growth over 3 years	3.2% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	9.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.2% Fair → Fair Stable Compound annual revenue growth over 5 years	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.9% Fair → Fair Stable Compound annual revenue growth over 5 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.2% Caution Caution Compound annual revenue growth over 5 years	2.4% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	12.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	-17.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-2.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	46.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	80.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-16.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-37.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	7.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	22.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-8.3% Weak Weak Compound annual EPS growth over 3 years	-8.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	29.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	18.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	23.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	26.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	35.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	22.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	33.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	11.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	11.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	20.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	27.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	24.3% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	62.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	23.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	15.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	19.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	22.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	30.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	11.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	4.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	17.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	22.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	15.0% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	12.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	15.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	18.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	17.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	13.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+9%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	12.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	6.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	5.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	7.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	9.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	0.21x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$19.90	$16.17	$15.66	$15.12	$14.52	$13.09	$13.15	$12.16	$11.43	$10.78	$10.58	$10.20	$10.05	—	—	—	—	—
Basic EPS, GAAP (USD)	$4.76	$2.52	$3.11	$3.38	$4.44	$2.94	$3.68	$1.40	$0.50	$1.88	$2.40	$2.01	$1.51	$1.32	$1.66	$1.96	$1.71	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.31	$1.28	$1.28	$1.28	$1.25	$1.20	$1.17	$1.05	$0.93	$0.82	$0.74	$0.68	$0.68	$0.78	$1.08	$1.08	$1.08	—
Book Value per Share (USD)	$39.11	$32.69	$30.23	$26.01	$35.36	$33.07	$29.30	$26.85	$26.44	$26.99	$26.05	$24.54	$22.88	$22.31	$21.67	$21.09	—	—
Tangible Book Value per Share (USD)	$37.09	$30.65	$28.17	$23.96	$33.33	$31.02	$27.23	$24.81	$24.37	$24.90	$23.94	$22.40	$20.72	$20.11	$19.43	$18.79	—	—
Basic Weighted Avg Shares (shares)	4.46M	4.40M	4.37M	4.42M	4.42M	4.36M	4.38M	4.38M	4.34M	4.30M	4.24M	4.19M	4.13M	4,072	3,962	—	—	—
Dividend Payout Ratio (%)	27.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.8% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	41.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	28.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	75.0% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	186.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	30.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	59.1% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	65.1% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	55.1% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	63.2% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$175.24M	$144.72M	$132.14M	$114.20M	$157.06M	$145.18M	$127.53M	$118.40M	$115.14M	$116.49M	$111.38M	$103.52M	$95.39M	$91.63M	$87.18M	$82.64M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$88.82M	$71.19M	$68.49M	$66.84M	$64.16M	$57.05M	$57.55M	$53.28M	$49.58M	$46.34M	$44.90M	$42.74M	$41.54M	$41.70M	$42.84M	$40.21M	$37.96M	—
Depreciation Expense (USD)	$2.07M	$1.76M	$2.14M	$1.38M	$1.14M	$1.23M	$1.26M	$1.23M	$1.24M	$1.27M	$1.27M	$1.36M	$1.42M	$1.30M	$1.29M	—	—	—
Net Income, GAAP (USD)	$21.23M	$11.10M	$13.60M	$14.94M	$19.62M	$12.80M	$16.11M	$6.12M	$2.18M	$8.09M	$10.20M	$8.40M	$6.23M	$5.37M	$6.57M	$7.61M	$6.58M	—
Operating Cash Flow (USD)	$25.44M	$21.75M	$26.57M	$25.24M	$26.35M	$6.43M	$18.97M	$9.30M	$16.25M	$14.86M	—	—	—	$10.56M	$15.09M	$12.36M	$8.62M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.6%	2.9%	3.0%	2.5%	2.7%	3.3%	3.4%	3.2%	3.1%	3.1%	3.2%	3.2%	3.1%	3.3%	3.2%	—	—
Efficiency Ratio (%) (%)	67.2%	78.5%	73.0%	72.9%	67.4%	69.0%	66.6%	70.1%	87.1%	71.6%	69.4%	73.9%	74.9%	73.4%	66.1%	65.7%	68.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

FRANKLIN FINANCIAL SERVICES CORP /PA/

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