Franklin Financial Services Corporation (FRAF) Earnings History
Growth Compounder31 years of earnings data (1995–2025) · Consistent double-digit EPS growth over 5 years
Loading earnings history...
Franklin Financial Services Corporation (FRAF) Earnings Overview
As of June 21, 2026, Franklin Financial Services Corporation (FRAF) reported trailing twelve-month net income of $21M, reflecting +88.8% year-over-year growth. The company earned $4.72 per diluted share over the past four quarters, with a net profit margin of 15.9%.
Looking at the long-term picture, FRAF's 5-year EPS compound annual growth rate (CAGR) stands at +10.1%, showing solid earnings momentum. The company achieved its highest annual net income of $21M in fiscal 2025, representing a new all-time high.
Franklin Financial Services Corporation maintains industry-leading profitability with a gross margin of 64.3%, operating margin of 19.7%, and net margin of 15.9%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($169M net income, 19.5% margin), CZWI ($14M net income, 16.0% margin), FUNC ($25M net income, 20.6% margin), FRAF has room to improve margins relative to the peer group. Compare FRAF vs NBTB →
FRAF Earnings vs Peers
Earnings metrics vs comparable public companies
FRAF Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $21M | +91.2% | $26M | $4.74 | 15.9% | 19.7% |
| 2024 | $11M | -18.4% | $13M | $2.51 | 9.8% | 11.7% |
| 2023 | $14M | -9.0% | $16M | $3.10 | 15.0% | 17.4% |
| 2022 | $15M | -23.8% | $17M | $3.36 | 21.3% | 24.9% |
| 2021 | $20M | +53.3% | $23M | $4.42 | 30.7% | 36.0% |
| 2020 | $13M | -20.6% | $13M | $2.93 | 21.4% | 21.8% |
| 2019 | $16M | +163.1% | $19M | $3.67 | 25.6% | 30.1% |
| 2018 | $6M | +181.5% | $6M | $1.39 | 10.8% | 10.5% |
| 2017 | $2M | -73.1% | $6M | $0.50 | 4.3% | 11.2% |
| 2016 | $8M | -20.7% | $9M | $1.88 | 16.9% | 19.7% |
| 2015 | $10M | +21.4% | $12M | $2.40 | 22.0% | 26.9% |
| 2014 | $8M | +34.8% | $10M | $1.99 | 18.6% | 23.0% |
| 2013 | $6M | +16.2% | $8M | $1.49 | 13.7% | 16.6% |
| 2012 | $5M | -18.3% | $6M | $1.31 | 11.2% | 12.3% |
| 2011 | $7M | -13.7% | $7M | $1.63 | 12.7% | 13.5% |
| 2010 | $8M | +15.6% | $11M | $1.94 | 14.5% | 20.1% |
| 2009 | $7M | -23.4% | $9M | $1.71 | 12.5% | 16.3% |
| 2008 | $9M | -7.1% | $12M | $2.24 | 15.6% | 22.3% |
| 2007 | $9M | +22.3% | $12M | $2.40 | 15.5% | 20.2% |
| 2006 | $8M | +23.9% | $10M | $2.10 | 15.4% | 19.7% |
| 2005 | $6M | +17.7% | $7M | $1.81 | 16.7% | 19.2% |
| 2004 | $5M | -11.1% | $6M | $1.54 | 16.3% | 19.5% |
| 2003 | $6M | +4.8% | $7M | $1.74 | 17.9% | 22.1% |
| 2002 | $6M | -0.4% | $7M | $1.66 | 16.7% | 20.3% |
| 2001 | $6M | +11.7% | $7M | $1.64 | 15.1% | 18.6% |
| 2000 | $5M | -1.8% | $6M | $1.45 | 13.4% | 16.3% |
| 1999 | $5M | +6.1% | $6M | $1.47 | 15.0% | 18.6% |
| 1998 | $5M | +10.1% | $6M | $1.39 | 25.5% | 33.4% |
| 1997 | $4M | +5.7% | $6M | $1.26 | 25.0% | 32.9% |
| 1996 | $4M | -1.2% | $6M | $1.17 | 26.7% | 35.6% |
| 1995 | $4M | - | $6M | $1.16 | 28.0% | 37.8% |
Download Data
Export FRAF earnings history in CSV or JSON format
Free sign-in required to download data
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
31+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
FRAF — Frequently Asked Questions
Quick answers to the most common questions about buying FRAF stock.
What is FRAF earnings per share (EPS)?
FRAF trailing twelve-month (TTM) diluted EPS is $4.72, reflecting +88.8% year-over-year growth. The 5-year EPS CAGR is +10.1%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is Franklin Financial Services Corporation's net income?
Franklin Financial Services Corporation (FRAF) trailing twelve-month net income is $21M as of 2025. Earnings grew +88.8% year-over-year. Franklin Financial Services Corporation has been profitable for 31 consecutive years.
Is FRAF profitable?
Yes, FRAF is profitable with a TTM net income of $21M and a net profit margin of +15.9%. Franklin Financial Services Corporation has generated profits for 31 consecutive years.
What is FRAF's earnings growth rate?
FRAF compound annual EPS growth rates (CAGR): 1-Year: +88.8%, 3-Year: +12.2%, 5-Year: +10.1%, 10-Year: +7.0%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are FRAF's profit margins?
Franklin Financial Services Corporation net profit margin is +15.9%, operating margin is +19.7%, and gross margin is +64.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +13.3%.
Is FRAF growing earnings?
Yes, FRAF earnings are accelerating — EPS growth of +88.8% exceeds the 5-year CAGR of +10.1%. TTM net income reached $21M. Earnings momentum is strengthening.
What was FRAF's best earnings year?
Franklin Financial Services Corporation's highest annual net income on record is $21M, achieved in fiscal year 2025. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were FRAF's earnings last quarter?
FRAF's most recent reported quarter was Q4 2025. Net income was $6M with diluted EPS of $1.35. For a full breakdown of all quarters, see the quarterly earnings table on this page.