8-K Announcements
6Material company update
Apr 23, 2026·SEC
Material company update
Apr 23, 2026·SEC
Material company update
Apr 13, 2026·SEC
Franklin Financial Services Corporation(FRAF)Earnings, Financials & Key Ratios
FRAF•NASDAQ•Banking & Credit
13.0× P/E·Price updated Jun 19, 2026
AboutFranklin 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.Show more
- Net Interest Income$70M+22.6%
- Total Revenue$134M+17.3%
- Net Income$21M+91.2%
- Return on Equity13.27%+65.5%
- Net Interest Margin3.11%+20.3%
- Efficiency Ratio44.67%-6.9%
- ROA0.96%+73.9%
- Equity / Assets7.83%+18.9%
- Book Value per Share38.96+18.8%
FRAF Key Insights
Franklin Financial Services Corporation (FRAF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 44.7% efficiency ratio
- ✓Healthy dividend yield of 2.1%
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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FRAF Price & Volume
Franklin Financial Services Corporation (FRAF) stock price & volume — 10-year historical chart
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FRAF Growth Metrics
Franklin Financial Services Corporation (FRAF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.14%
5 Years17.38%
3 Years23.87%
TTM-
Profit CAGR
10 Years7.6%
5 Years10.64%
3 Years12.42%
TTM91.25%
EPS CAGR
10 Years7.04%
5 Years10.1%
3 Years12.15%
TTM90.36%
Return on Capital
10 Years7.87%
5 Years7.92%
3 Years5.6%
Last Year2.01%
FRAF Recent Earnings
Franklin Financial Services Corporation (FRAF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (100%)●Beat Revenue 1/12 qtrs (100%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$1.48+10.4%
$1.34
Rev
$24M+3.5%
$23M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$1.34
—
Rev
$34M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$1.35
—
Rev
$24M
—
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$1.19
—
Rev
$34M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.48vs $1.34+10.4% | $24Mvs $23M+3.5% |
| Q2 2026 | Mar 13, 2026 | $1.34 | $34M |
| Q1 2026 | Jan 27, 2026 | $1.35 | $24M |
| Q4 2025 | Oct 28, 2025 | $1.19 | $34M |
Based on last 12 quarters of dataView full earnings history →
FRAF Peer Comparison
Franklin Financial Services Corporation (FRAF) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 FUNC | 276.83M | 42.58 | 11.29 | 6.6% | 20.51% | 12.61% | 0.56 | |
 MNSB | 175.75M | 23.86 | 13.56 | -1.44% | 11.53% | 7.26% | 0.32 | |
 PFIS | 622.75M | 62.24 | 10.59 | 22.26% | 21.04% | 11.81% | 0.50 | |
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 | |
 NKSH | 224.8M | 35.30 | 14.18 | 7.88% | 18.57% | 9.04% | 0.01 | |
 CZFS | 326.7M | 67.96 | 8.92 | 2.75% | 21.09% | 11.36% | 0.92 |
Compare FRAF vs Peers
Franklin Financial Services Corporation (FRAF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FRAF Income Statement
Franklin Financial Services Corporation (FRAF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 37.37M | 40.63M | 42.1M | 41.95M | 44.65M | 51.56M | 53.58M | 56.82M | 69.65M |
NII Growth % | 7.64% | 8.73% | 3.61% | -0.36% | 6.45% | 15.48% | 3.91% | 6.05% | 22.57% |
Net Interest Margin % | 3.17% | 3.36% | 3.32% | 2.73% | 2.52% | 3.03% | 2.92% | 2.59% | 3.11% |
Interest Income | 39.86M | 44.84M | 49.21M | 45.92M | 47.55M | 56.43M | 76.71M | 100.76M | 114.37M |
Interest Expense | 2.49M | 4.21M | 7.11M | 3.98M | 2.9M | 4.86M | 23.13M | 43.94M | 44.73M |
Loan Loss Provision | 670K | 9.95M | 237K | 4.63M | -2.1M | 650K | 2.72M | 1.98M | 2.9M |
Non-Interest Income | 11.26M | 11.65M | 13.83M | 14.01M | 16.43M | 13.84M | 13.67M | 13.07M | 19.18M |
Non-Interest Income % | 22.02% | 20.63% | 21.94% | 23.38% | 25.67% | 19.7% | 15.13% | 11.48% | 14.36% |
Total Revenue | 51.12M▲ 0% | 56.5M▲ 10.5% | 63.04M▲ 11.6% | 59.94M▼ 4.9% | 63.98M▲ 6.7% | 70.27M▲ 9.8% | 90.38M▲ 28.6% | 113.83M▲ 25.9% | 133.55M▲ 17.3% |
Revenue Growth % | 7.09% | 10.53% | 11.57% | -4.92% | 6.75% | 9.83% | 28.61% | 25.95% | 17.32% |
Non-Interest Expense | 42.21M | 36.37M | 36.69M | 38.27M | 40.16M | 47.26M | 48.78M | 54.59M | 59.66M |
Efficiency Ratio | 82.58% | 64.37% | 58.21% | 63.86% | 62.78% | 67.26% | 53.97% | 47.96% | 44.67% |
Operating Income | 5.74M▲ 0% | 5.96M▲ 3.8% | 19M▲ 218.7% | 13.06M▼ 31.3% | 23.01M▲ 76.2% | 17.5M▼ 24.0% | 15.75M▼ 10.0% | 13.31M▼ 15.5% | 26.27M▲ 97.3% |
Operating Margin % | 11.23% | 10.55% | 30.13% | 21.79% | 35.97% | 24.9% | 17.43% | 11.7% | 19.67% |
Operating Income Growth % | -38.85% | 3.81% | 218.71% | -31.26% | 76.24% | -23.98% | -9.96% | -15.48% | 97.27% |
Pretax Income | 5.74M▲ 0% | 5.96M▲ 3.8% | 19M▲ 218.7% | 13.06M▼ 31.3% | 23.01M▲ 76.2% | 17.5M▼ 24.0% | 15.75M▼ 10.0% | 13.31M▼ 15.5% | 26.27M▲ 97.3% |
Pretax Margin % | 11.23% | 10.55% | 30.13% | 21.79% | 35.97% | 24.9% | 17.43% | 11.7% | 19.67% |
Income Tax | 3.56M | -165K | 2.88M | 258K | 3.4M | 2.56M | 2.15M | 2.22M | 5.04M |
Effective Tax Rate % | 62.1% | -2.77% | 15.16% | 1.98% | 14.76% | 14.62% | 13.68% | 16.64% | 19.19% |
Net Income | 2.18M▲ 0% | 6.13M▲ 181.5% | 16.11M▲ 163.1% | 12.8M▼ 20.6% | 19.62M▲ 53.3% | 14.94M▼ 23.8% | 13.6M▼ 9.0% | 11.1M▼ 18.4% | 21.23M▲ 91.2% |
Net Margin % | 4.26% | 10.84% | 25.56% | 21.36% | 30.66% | 21.26% | 15.05% | 9.75% | 15.89% |
Net Income Growth % | -73.09% | 181.48% | 163.1% | -20.57% | 53.25% | -23.85% | -8.97% | -18.38% | 91.24% |
Net Income (Continuing) | 2.18M | 6.13M | 16.11M | 12.8M | 19.62M | 14.94M | 13.6M | 11.1M | 21.23M |
EPS (Diluted) | 0.50▲ 0% | 1.39▲ 178.0% | 3.67▲ 164.0% | 2.93▼ 20.2% | 4.42▲ 50.9% | 3.36▼ 24.0% | 3.10▼ 7.7% | 2.51▼ 19.0% | 4.74▲ 88.8% |
EPS Growth % | -73.4% | 178% | 164.03% | -20.16% | 50.85% | -23.98% | -7.74% | -19.03% | 88.84% |
EPS (Basic) | 0.50 | 1.40 | 3.68 | 2.94 | 4.44 | 3.38 | 3.11 | 2.51 | 4.74 |
Diluted Shares Outstanding | 4.36M | 4.4M | 4.4M | 4.37M | 4.44M | 4.45M | 4.38M | 4.41M | 4.5M |
FRAF Balance Sheet
Franklin Financial Services Corporation (FRAF) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 185.57M | 184.43M | 280.01M | 466.83M | 715.45M | 565.71M | 501.87M | 524.1M | 229.81M |
Cash & Due from Banks | 58.6M | 52.96M | 92.57M | 69.89M | 185.64M | 78.87M | 29.37M | 205.11M | 22.45M |
Short Term Investments | 126.97M | 131.47M | 187.43M | 396.94M | 529.81M | 486.84M | 472.5M | 318.99M | 101.09M |
Total Investments | 1.06B | 1.09B | 1.11B | 1.4B | 1.52B | 1.52B | 1.71B | 1.89B | 1.66B |
Investments Growth % | 3.16% | 3.14% | 1.79% | 25.81% | 8.37% | 0.5% | 12.44% | 10.36% | -12.21% |
Long-Term Investments | 932.72M | 961.45M | 925.09M | 1B | 987.05M | 1.04B | 1.24B | 1.57B | 1.56B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M |
Goodwill | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M | 9.02M |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 13.74M | 13.52M | 18.98M | 18.38M | 23.95M | 36.04M | 33.22M | 33.15M | 30.8M |
Other Assets | 32.96M | 35.18M | 32.06M | 35.66M | 35.02M | 35.63M | 38.55M | 48.07M | -1.56B |
Total Current Assets | 185.57M | 184.43M | 280.01M | 466.83M | 715.45M | 565.71M | 501.87M | 524.1M | 477.03M |
Total Non-Current Assets | 994.24M | 1.03B | 989.15M | 1.07B | 1.06B | 1.13B | 1.33B | 1.67B | 47.69M |
Total Assets | 1.18B▲ 0% | 1.21B▲ 2.5% | 1.27B▲ 4.9% | 1.54B▲ 20.9% | 1.77B▲ 15.6% | 1.7B▼ 4.2% | 1.84B▲ 8.0% | 2.2B▲ 19.7% | 2.24B▲ 1.9% |
Asset Growth % | 4.64% | 2.52% | 4.92% | 20.95% | 15.55% | -4.18% | 8.03% | 19.71% | 1.87% |
Return on Assets (ROA) | 0.19% | 0.51% | 1.3% | 0.91% | 1.19% | 0.86% | 0.77% | 0.55% | 0.96% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 0 | 0 | 5.16M | 24.89M | 24.45M | 25.77M | 154.48M | 223.96M | 214.69M |
Net Debt | -58.6M | -52.96M | -87.41M | -45M | -161.2M | -53.11M | 125.11M | 18.85M | 192.24M |
Long-Term Debt | 0 | 0 | 0 | 19.55M | 19.59M | 19.62M | 19.66M | 219.7M | 210.84M |
Short-Term Debt | 0 | 0 | 0 | 0 | 640K | 818K | 130M | 681K | 601K |
Other Liabilities | 17.49M | 8.56M | 11.08M | 10.4M | 7.94M | 8.17M | 11.45M | 13.52M | 1.85B |
Total Current Liabilities | 1.05B | 1.08B | 1.13B | 1.35B | 1.58B | 1.55B | 1.67B | 1.82B | 3.84M |
Total Non-Current Liabilities | 17.49M | 8.56M | 16.24M | 35.29M | 32.38M | 33.93M | 35.92M | 237.48M | 2.07B |
Total Liabilities | 1.06B | 1.09B | 1.14B | 1.39B | 1.62B | 1.59B | 1.7B | 2.05B | 2.06B |
Total Equity | 115.14M▲ 0% | 118.4M▲ 2.8% | 127.53M▲ 7.7% | 145.18M▲ 13.8% | 157.06M▲ 8.2% | 114.2M▼ 27.3% | 132.14M▲ 15.7% | 144.72M▲ 9.5% | 175.24M▲ 21.1% |
Equity Growth % | -1.16% | 2.82% | 7.71% | 13.84% | 8.19% | -27.29% | 15.71% | 9.52% | 21.09% |
Equity / Assets (Capital Ratio) | 9.76% | 9.79% | 10.05% | 9.46% | 8.85% | 6.72% | 7.2% | 6.58% | 7.83% |
Return on Equity (ROE) | 1.88% | 5.25% | 13.11% | 9.39% | 12.98% | 11.01% | 11.04% | 8.02% | 13.27% |
Book Value per Share | 26.42 | 26.88 | 29.01 | 33.25 | 35.38 | 25.69 | 30.16 | 32.79 | 38.96 |
Tangible BV per Share | 24.35 | 24.84 | 26.96 | 31.19 | 33.34 | 23.66 | 28.10 | 30.74 | 36.96 |
Common Stock | 4.69M | 4.7M | 4.71M | 4.71M | 4.71M | 4.71M | 4.71M | 4.71M | 4.71M |
Additional Paid-in Capital | 40.4M | 41.53M | 42.27M | 42.59M | 43.09M | 43.53M | 43.65M | 43.79M | 43.93M |
Retained Earnings | 82.22M | 83.95M | 94.95M | 102.52M | 116.61M | 125.89M | 133.99M | 139.46M | 154.84M |
Accumulated OCI | -6.03M | -6.38M | -5.99M | 3.19M | -547K | -51.29M | -40.94M | -35.51M | -21.59M |
Treasury Stock | -6.13M | -5.4M | -8.41M | -7.83M | -6.8M | -8.65M | -9.27M | -7.74M | -6.66M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FRAF Cash Flow Statement
Franklin Financial Services Corporation (FRAF) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 16.25M | 9.3M | 18.97M | 6.43M | 26.35M | 25.24M | 26.57M | 21.75M | 25.44M |
Operating CF Growth % | 9.4% | -42.76% | 103.89% | -66.07% | 309.46% | -4.19% | 5.23% | -18.11% | 16.95% |
Net Income | 2.18M | 6.13M | 16.11M | 12.8M | 19.62M | 14.94M | 13.6M | 11.1M | 21.23M |
Depreciation & Amortization | 1.38M | 1.33M | 1.37M | 1.33M | 1.2M | 1.44M | 2.02M | 2.09M | 0 |
Deferred Taxes | -831K | -1K | 1.88M | -1.95M | 90K | 1.17M | 1.14M | -473K | 0 |
Other Non-Cash Items | 12.65M | 3.31M | -1.88M | -1.04M | 3.43M | 7.55M | 6.4M | 6.71M | 3.4M |
Working Capital Changes | 717K | -1.65M | 1.47M | -4.9M | 1.8M | -313K | 2.93M | 1.69M | 821K |
Cash from Investing | -32.24M | -47.49M | -23.48M | -277.31M | -133.94M | -95.06M | -178.27M | -184.37M | -107.02M |
Purchase of Investments | -8.6M | -30.18M | -104.83M | -240.7M | -215.59M | -87.21M | -50.25M | -136.27M | 0 |
Sale/Maturity of Investments | 23.63M | 22.84M | 49.52M | 41.68M | 71.25M | 60.55M | 72.41M | 97.23M | 0 |
Net Investment Activity | 15.03M | -7.34M | -55.3M | -199.01M | -144.34M | -26.66M | 22.16M | -39.03M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -46.15M | -38.99M | 33.48M | -77.82M | 19.21M | -56.18M | -199.92M | -142.76M | -107.02M |
Cash from Financing | 37.93M | 32.54M | 35.39M | 244.2M | 225.59M | -40.44M | 109.94M | 343.08M | 5.69M |
Dividends Paid | -4.03M | -4.6M | -5.12M | -5.23M | -5.52M | -5.66M | -5.59M | -5.63M | -5.84M |
Share Repurchases | 0 | -88K | -3.85M | -1.17M | -1.19M | -3.33M | -2.39M | -827K | -1.1M |
Stock Issued | 991K | 1.42M | 1.32M | 1.84M | 2.39M | 1.42M | 1.35M | 1.75M | 1.51M |
Net Stock Activity | 991K | 1.33M | -2.53M | 665K | 1.2M | -1.92M | -1.04M | 922K | 407K |
Debt Issuance (Net) | -1000K | 0 | 0 | 1000K | 0 | 0 | 1000K | 1000K | -1000K |
Other Financing | 66.23M | 37.23M | 43.03M | 229.22M | 229.92M | -32.86M | -13.42M | 277.79M | 20.13M |
Net Change in Cash | 21.94M▲ 0% | -5.65M▼ 125.7% | 30.87M▲ 646.8% | -26.68M▼ 186.4% | 118M▲ 542.3% | -110.25M▼ 193.4% | -41.76M▲ 62.1% | 180.47M▲ 532.2% | -75.89M▼ 142.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 36.66M | 58.6M | 52.96M | 83.83M | 57.15M | 175.15M | 64.9M | 23.14M | 203.61M |
Cash at End | 58.6M | 52.96M | 83.83M | 57.15M | 175.15M | 64.9M | 23.14M | 203.61M | 127.72M |
Interest Paid | 2.46M | 4.17M | 6.87M | 4.23M | 3M | 4.75M | 19.46M | 43.1M | 0 |
Income Taxes Paid | 3.96M | 250K | 250K | 4.37M | 3.05M | 88K | 1.34M | 1.86M | 0 |
Free Cash Flow | 15.13M▲ 0% | 8.14M▼ 46.2% | 17.31M▲ 112.7% | 5.95M▼ 65.6% | 17.54M▲ 194.8% | 13.03M▼ 25.7% | 26.07M▲ 100.1% | 19.19M▼ 26.4% | 24.58M▲ 28.1% |
FCF Growth % | 6% | -46.21% | 112.68% | -65.63% | 194.77% | -25.74% | 100.11% | -26.39% | 28.08% |
FRAF Banking Ratios
Franklin Financial Services Corporation (FRAF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 7.1% | 1.88% | 5.25% | 13.11% | 9.39% | 12.98% | 11.01% | 11.04% | 8.02% | 13.27% |
Return on Assets (ROA) | 0.75% | 0.19% | 0.51% | 1.3% | 0.91% | 1.19% | 0.86% | 0.77% | 0.55% | 0.96% |
Net Interest Margin | 3.08% | 3.17% | 3.36% | 3.32% | 2.73% | 2.52% | 3.03% | 2.92% | 2.59% | 3.11% |
Efficiency Ratio | 67.72% | 82.58% | 64.37% | 58.21% | 63.86% | 62.78% | 67.26% | 53.97% | 47.96% | 44.67% |
Equity / Assets | 10.33% | 9.76% | 9.79% | 10.05% | 9.46% | 8.85% | 6.72% | 7.2% | 6.58% | 7.83% |
Book Value / Share | 27.08 | 26.42 | 26.88 | 29.01 | 33.25 | 35.38 | 25.69 | 30.16 | 32.79 | 38.96 |
NII Growth | 7.89% | 7.64% | 8.73% | 3.61% | -0.36% | 6.45% | 15.48% | 3.91% | 6.05% | 22.57% |
Dividend Payout | 43.56% | 185.25% | 75.07% | 31.74% | 40.83% | 28.16% | 37.88% | 41.15% | 50.72% | 27.54% |
Related:FRAF Dividend History·FRAF Revenue History·FRAF Price History·FRAF P/E History·FRAF Financial Ratios·FRAF Institutional Holders
FRAF SEC Filings & Documents
Franklin Financial Services Corporation (FRAF) SEC filings — annual & quarterly reports (10-K, 10-Q)
FRAF Frequently Asked Questions
Franklin Financial Services Corporation (FRAF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Franklin Financial Services Corporation (FRAF) grew revenue by 17.3% over the past year. This is strong growth.
Yes, Franklin Financial Services Corporation (FRAF) is profitable, generating $21.2M in net income for fiscal year 2025 (15.9% net margin).
Dividend & Returns
Yes, Franklin Financial Services Corporation (FRAF) pays a dividend with a yield of 2.11%. This makes it attractive for income-focused investors.
Franklin Financial Services Corporation (FRAF) has a return on equity (ROE) of 13.3%. This is reasonable for most industries.
Industry Metrics
Franklin Financial Services Corporation (FRAF) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Franklin Financial Services Corporation (FRAF) has an efficiency ratio of 44.7%. This is excellent, indicating strong cost control.