Franklin Financial Services (FRAF) Financial Statements & Analysis

Franklin Financial Services (FRAF) Income Statement

Franklin Financial Services reported revenue of $85.92M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 24.1% from $69.21M a year earlier. Net income was $21.23M, up 91.2% year over year, a net margin of 24.7%. Gross margin was 100.0% and operating margin 30.6%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $24.11M, up 9.6% from the same quarter a year earlier.

Franklin Financial Services Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Franklin Financial Services Corporation income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	85.92	69.21	90.38	70.27	61.08	59.94	63.04	56.50	51.12
Cost of Revenue	47.62	45.92	25.85	5.51	0.80	8.60	7.35	14.17	3.16
Gross Profit	85.92	67.91	64.53	64.76	63.18	51.33	55.69	42.33	47.95
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	15.15	14.41	31.74	30.75	27.05	24.61	24.00	22.20	20.30
Operating Expenses	59.66	54.60	48.78	47.26	40.16	38.27	36.69	36.37	42.21
Operating Income	26.27	13.32	15.75	17.50	23.01	13.06	19.00	5.96	5.74
Other Income/Expense
Interest Income	114.37	100.76	76.71	56.43	47.56	45.92	49.21	44.84	39.86
Interest Expense	44.73	43.94	23.13	4.86	2.90	3.98	7.11	4.21	2.49
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	26.27	13.32	15.75	17.50	23.01	13.06	19.00	5.96	5.74
Income Tax Expense	5.04	2.22	2.16	2.56	3.40	0.26	2.88	-0.17	3.57
Net Income	21.23	11.10	13.60	14.94	19.62	12.80	16.12	6.13	2.18
Net Income - Continuous Operations	21.23	11.10	13.60	14.94	19.62	12.80	16.12	6.13	2.18
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	2.43	5.06	17.77	18.93	24.22	14.39	20.37	7.29	7.12
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	2.15	2.09	2.02	1.44	1.20	1.33	1.37	1.33	1.38
Earnings Per Share
Basic EPS	5.00	3.00	3.00	3.00	4.00	3.00	4.00	1.00	1.00
Diluted EPS	5.00	3.00	3.00	3.00	4.00	3.00	4.00	1.00	1.00
Basic Shares Outstanding	4.46	4.40	4.37	4.42	4.42	4.36	4.38	4.38	4.34
Diluted Shares Outstanding	4.48	4.41	4.38	4.45	4.44	4.37	4.40	4.40	4.36

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Franklin Financial Services Financial Statements

What was Franklin Financial Services's revenue in fiscal 2025?

Franklin Financial Services reported revenue of $85.92M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 24.1% from $69.21M a year earlier.

Is Franklin Financial Services profitable?

Yes. Franklin Financial Services earned net income of $21.23M in fiscal 2025, a net margin of 24.7%. In fiscal 2024 it earned $11.10M.

What is Franklin Financial Services's operating margin?

Franklin Financial Services's operating income was $26.27M on revenue of $85.92M in fiscal 2025, an operating margin of 30.6%, compared with 19.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition