Franklin Financial Services Corporation (FRAF) Earnings History
Annual and quarterly earnings data from 1995 to 2025
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FRAF EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
FRAF Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 64.3% | 19.7% | 15.9% |
| 2024 | 59.7% | 11.7% | 9.8% |
| 2023 | 71.4% | 17.4% | 15.0% |
| 2022 | 92.2% | 24.9% | 21.3% |
| 2021 | 98.7% | 36.0% | 30.7% |
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Franklin Financial Services Corporation (FRAF) Earnings Overview
As of May 7, 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, 18.4% 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% |
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Start ComparisonFRAF — Frequently Asked Questions
Quick answers to the most common questions about buying FRAF stock.
Is FRAF growing earnings?
FRAF EPS is $4.72, with earnings growth accelerating to +88.8%. This exceeds the 5-year CAGR of +10.1%. TTM net income reached $21M.
What are FRAF's profit margins?
Franklin Financial Services Corporation net margin is +15.9%, with operating margin at +19.7%. Above-average margins indicate pricing power.
How consistent are FRAF's earnings?
FRAF earnings data spans 1995-2025. The accelerating earnings trend is +88.8% YoY. Historical data enables comparison across business cycles.