Welcome to our dedicated page for Franklin Finl Svcs news (Ticker: FRAF), a resource for investors and traders seeking the latest updates and insights on Franklin Finl Svcs stock.
Franklin Financial Services Corporation reports recurring developments for its role as the bank holding company of F&M Trust, a community bank headquartered in Chambersburg, Pennsylvania. Company news centers on quarterly and annual operating results, cash dividends, asset, loan and deposit trends, net interest margin, credit-related items, shareholders’ equity, and capital actions such as common stock repurchases.
Coverage also reflects F&M Trust’s banking, wealth management, trust and fiduciary services for individuals, businesses and governmental entities. Updates commonly describe the bank’s community banking footprint in Pennsylvania and Maryland markets, wealth management fees, regulatory capital status, board actions and executive leadership changes.
Franklin Financial (NASDAQ: FRAF) reported Q1 2026 net income of $6.6 million ($1.48 diluted), up 69.2% year-over-year, and declared a $0.34 quarterly dividend payable May 27, 2026. Total assets were $2.298 billion and deposits were $1.890 billion on March 31, 2026. Key metrics: ROA 1.20% and ROE 15.13% (annualized).
Franklin Financial (NASDAQ: FRAF) reported Q4 2025 net income of $6.0M ($1.35 diluted) and full-year 2025 net income of $21.2M ($4.74 diluted), up 91.2% YoY. Total assets were $2.239B, net loans $1.541B (+11.6% YoY), and AUM were $1.421B. The board declared a $0.33 quarterly dividend payable Feb 25, 2026, a 3.1% increase versus Q1 2025.
Key metrics: Q4 ROA 1.05%, ROE 14.20%, NIM 3.40%. Noninterest income and net interest income rose, while nonaccrual loans increased to $8.5M.
Franklin Financial (NASDAQ: FRAF) reported third-quarter 2025 and year‑to‑date results on Oct 28, 2025. Q3 net income was $5.4M ($1.19 diluted), +26.9% vs Q3 2024; YTD net income was $15.2M ($3.39), +43.1% vs prior year. The Board declared a $0.33 quarterly dividend (payable Nov 26, 2025), a 3.1% increase vs 2024.
Key balance-sheet items: total assets $2.297B, net loans $1.544B (+11.8% vs year-end 2024), deposits $1.903B (+4.8%), and AUM $1.4B. Q3 performance metrics: ROA 0.93%, ROE 13.39%, NIM 3.32%. Q3 included an $894K specific reserve on one CRE loan and $9.0M partial redemption of subordinated notes.
Franklin Financial Services Corporation (NASDAQ: FRAF) reported strong Q2 2025 financial results, with net income reaching $5.9 million ($1.32 per diluted share), a 94.8% increase from Q2 2024. The company demonstrated robust growth with total assets reaching $2.287 billion, up 4.1% from year-end 2024.
Key highlights include an 8.7% increase in net loans to $1.500 billion, 4.3% growth in total deposits to $1.893 billion, and improved performance metrics with ROA of 1.04% and ROE of 15.64%. The Board declared a $0.33 quarterly dividend payable August 27, 2025.
Notable concerns include an increase in nonperforming loans to $10.8 million (0.71% ratio) from $266,000 at year-end 2024, primarily due to two significant loans: a $7.4 million construction loan and a $2.9 million hotel loan pending auction.
Franklin Financial Services reported strong Q1 2025 results with net income of $3.9 million ($0.88 per diluted share), a 16.7% increase from Q1 2024. Key highlights include:
- Total assets reached $2.257 billion, up 2.7% from year-end 2024
- Net loans increased by $57.3 million (4.2%), driven by commercial real estate growth
- Deposits grew by $51.9 million (2.9%) with a reduced cost of 2.02%
- Wealth management fees rose to $2.2 million
- Board declared a quarterly dividend of $0.33 per share, up 3.1%
Performance metrics showed improvement with Return on Average Assets at 0.72%, Return on Average Equity at 10.80%, and Net Interest Margin at 3.05%. The bank maintains strong capitalization, with approximately 89% of deposits FDIC insured or collateralized. CEO Tim Henry will retire on May 2nd, with Craig Best stepping in as the new President and CEO.
Franklin Financial Services (NASDAQ: FRAF) reported Q4 2024 net income of $487,000 ($0.11 per diluted share), down 88.5% from Q3 2024 and 86.0% from Q4 2023. The decrease was primarily due to a $3.4 million after-tax loss on investment securities sales during Q4.
Full-year 2024 net income was $11.1 million ($2.51 per diluted share), an 18.4% decrease from 2023. Total assets reached $2.198 billion, up 19.7% year-over-year. Net loans increased 11.2% to $1.380 billion, while total deposits grew 18.1% to $1.816 billion.
The company declared a quarterly dividend of $0.32 per share for Q1 2025. Key metrics for 2024 included ROA of 0.54%, ROE of 8.05%, and NIM of 2.95%, compared to 0.78%, 11.39%, and 3.31% respectively in 2023.
Franklin Financial Services (NASDAQ: FRAF) reported its Q3 2024 and year-to-date results. Net income for Q3 2024 was $4.2 million ($0.95 per diluted share), a 39.1% increase from Q2 2024 and a 9.3% increase from Q3 2023. Year-to-date net income was $10.6 million ($2.41 per diluted share), up 4.8% from 2023. Total assets reached $2.151 billion, a 17.2% increase from December 31, 2023. Total net loans rose by 8.7% to $1.348 billion, and total deposits increased by 12.1% to $1.723 billion. Shareholders' equity grew by $17.8 million to $149.9 million, with a book value of $33.93 per share. The Board of Directors declared a $0.32 per share dividend for Q4 2024, payable on November 27, 2024. Noninterest income for Q3 2024 was $4.9 million, up 20.9% from Q3 2023. Noninterest expense for Q3 2024 was $13.9 million, a 14.1% increase from Q3 2023. The effective tax rate was 17.3% for Q3 2024. The company sold $46.7 million of low-yield securities in October 2024, recognizing an after-tax loss of $3.4 million.
Franklin Financial Services (NASDAQ: FRAF) reported its Q2 2024 and year-to-date results. Key highlights include:
- Q2 2024 net income: $3.0 million ($0.66 per diluted share), down 9.8% from Q1 2024
- Year-to-date 2024 net income: $6.4 million ($1.43 per diluted share)
- Total assets: $2.039 billion as of June 30, 2024
- Net loans increased 4.9% to $1.301 billion
- Total deposits increased 3.2% to $1.586 billion
- Shareholders' equity increased to $136.8 million
- Year-to-date ROA: 0.63%, ROE: 9.71%, NIM: 2.94%
- Declared Q3 2024 dividend of $0.32 per share
The bank reported growth in loans and deposits, with commercial real estate loans showing significant increases. However, the company faced challenges with increased borrowing costs and a competitive labor market impacting expenses.
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