Franklin Financial Services Corporation
Franklin Financial Services Corporation (Nasdaq: FRAF) is a bank holding company that conducts substantially all of its business through F&M Trust, a Pennsylvania-chartered community bank serving businesses, individuals and governmental entities. F&M Trust provides commercial and retail banking, including deposit… From the company’s description.
Over the twelve months to Jun 30, 2026, Franklin Financial Services Corporation reported revenue of $94.69M, up 22.3% from a year earlier, and net income of $24.64M. Its pre-tax margin was 32.4%. In fiscal 2025, it reported revenue of $88.82M, up 24.8% from fiscal 2024, and net income of $21.23M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Franklin Financial Services Corporation does
In the company’s own words
Franklin Financial Services Corporation (Nasdaq: FRAF) is a bank holding company that conducts substantially all of its business through F&M Trust, a Pennsylvania-chartered community bank serving businesses, individuals and governmental entities. F&M Trust provides commercial and retail banking, including deposit accounts, commercial real estate and business loans, consumer credit, residential mortgages and safe deposit facilities. Through its Wealth Management department, it also offers personal and corporate trust, investment management, custodial and employee-benefit services, and sells mutual funds, annuities and selected insurance products. The company operates 23 community banking offices across south-central Pennsylvania and Washington County, Maryland, and had approximately $2.2 billion in assets at December 31, 2025. Its subsidiaries also include Franklin Future Fund, which makes limited venture capital investments in companies in the company’s primary market area, and a real estate subsidiary that holds property used in banking operations. F&M Trust traces its origins to 1906; the holding company was formed in 1983 and became the parent of the bank in 1984. Its website is www.franklinfin.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- CHAMBERSBURG, PA
- Fiscal year end
- December
- CIK
- 723646
- SIC
- 6022
Financial performance, year by year
Fiscal 2011–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Franklin Financial Services Corporation — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Franklin Financial Services Corporation’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do Franklin Financial Services Corporation and its peers compare on margins and cash generation over ten years?”
- “Where did five years of Franklin Financial Services Corporation's earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in Franklin Financial Services Corporation's last four quarterly filings that the numbers alone won't show?”