View ValuationFranklin Financial Services 将来の成長Future 基準チェック /16Franklin Financial Servicesは、11.2%と8%でそれぞれ年率11.2%で利益と収益が成長すると予測される一方、EPSはgrowで10.8%年率。主要情報11.2%収益成長率10.84%EPS成長率Banks 収益成長8.1%収益成長率8.0%将来の株主資本利益率n/aアナリストカバレッジLow最終更新日27 Apr 2026今後の成長に関する最新情報更新なしすべての更新を表示Recent updatesNew Risk • 23hNew minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$81k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. This is currently the only risk that has been identified for the company.Recent Insider Transactions • Jun 01Insider recently sold US$81k worth of stockOn the 26th of May, Steven Butz sold around 1k shares on-market at roughly US$57.73 per share. This transaction amounted to 20% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$127k more than they bought in the last 12 months.Reported Earnings • Apr 26First quarter 2026 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2026 results: EPS: US$1.48 (up from US$0.88 in 1Q 2025). Revenue: US$23.7m (up 22% from 1Q 2025). Net income: US$6.64m (up 69% from 1Q 2025). Profit margin: 28% (up from 20% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.5%. Earnings per share (EPS) also surpassed analyst estimates by 10%. Revenue is forecast to grow 7.6% p.a. on average during the next 2 years, compared to a 8.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 25% per year, which means it is tracking significantly ahead of earnings growth.New Risk • Apr 25New major risk - Revenue and earnings growthEarnings have declined by 4.7% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.Declared Dividend • Apr 20Fourth quarter dividend increased to US$0.34Dividend of US$0.34 is 3.0% higher than last year. Ex-date: 1st May 2026 Payment date: 27th May 2026 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (28% payout ratio) and is expected to be well covered in 3 years' time (21% forecast payout ratio). The dividend has increased by an average of 5.7% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 30% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Apr 14Franklin Financial Services Corporation Declares Regular Cash Dividend for the Second Quarter of 2026, Payable on May 27, 2026On April 9, 2026, the Board of Directors of Franklin Financial Services Corporation declared a $0.34 per share regular cash dividend for the second quarter of 2026. This compares to a $0.33 per share regular cash dividend for the first quarter of 2026 and $0.33 per share regular cash dividend for the second quarter of 2025, which represents an increase of 3.0% over the same quarter in 2025. The regular quarterly cash dividend will be paid May 27, 2026 to shareholders of record at the close of business on May 1, 2026.お知らせ • Mar 25Franklin Financial Services Corporation, Annual General Meeting, Apr 28, 2026Franklin Financial Services Corporation, Annual General Meeting, Apr 28, 2026.Reported Earnings • Mar 16Full year 2025 earnings released: EPS: US$4.76 (vs US$2.52 in FY 2024)Full year 2025 results: EPS: US$4.76 (up from US$2.52 in FY 2024). Revenue: US$85.9m (up 24% from FY 2024). Net income: US$21.2m (up 91% from FY 2024). Profit margin: 25% (up from 16% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.25% (up from 2.95% in FY 2024). Cost-to-income ratio: 66.5% (down from 73.4% in FY 2024). Non-performing loans: 0.55% (up from 0.02% in FY 2024). Revenue is forecast to grow 9.0% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 17% per year, which means it is tracking significantly ahead of earnings growth.Recent Insider Transactions • Mar 15Independent Director recently bought US$106k worth of stockOn the 9th of March, Gregory Snook bought around 2k shares on-market at roughly US$48.18 per share. This transaction amounted to 33% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold US$85k more in shares than they bought in the last 12 months.Reported Earnings • Jan 29Full year 2025 earnings released: EPS: US$4.74 (vs US$2.52 in FY 2024)Full year 2025 results: EPS: US$4.74 (up from US$2.52 in FY 2024). Revenue: US$85.9m (up 24% from FY 2024). Net income: US$21.2m (up 91% from FY 2024). Profit margin: 25% (up from 16% in FY 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 14% per year, which means it is tracking significantly ahead of earnings growth.Declared Dividend • Jan 25Third quarter dividend of US$0.33 announcedShareholders will receive a dividend of US$0.33. Ex-date: 6th February 2026 Payment date: 25th February 2026 Dividend yield will be 2.8%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 3.8% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Jan 21Franklin Financial Services Corporation Declares Regular Cash Dividend for the First Quarter of 2026, Payable on February 25, 2026On January 15, 2026, the Board of Directors of Franklin Financial Services Corporation declared a $0.33 per share regular cash dividend for the first quarter of 2026. This compares to a $0.33 per share regular cash dividend for the fourth quarter of 2025 and $0.32 per share regular cash dividend for the first quarter of 2025, which represents an increase of 3.1% over prior year. The regular quarterly cash dividend will be paid February 25, 2026 to shareholders of record at the close of business on February 6, 2026.Recent Insider Transactions • Dec 26Independent Director recently sold US$81k worth of stockOn the 22nd of December, Kimberly Rzomp sold around 2k shares on-market at roughly US$54.07 per share. This transaction amounted to 21% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought US$290k more than they sold in the last 12 months.Recent Insider Transactions Derivative • Dec 24Independent Director notifies of intention to sell stockKimberly Rzomp intends to sell 2k shares in the next 90 days after lodging an Intent To Sell Form on the 22nd of December. If the sale is conducted around the recent share price of US$53.93, it would amount to US$81k. Since December 2024, Kimberly has owned 7.01k shares directly. Company insiders have collectively bought US$489k more than they sold, via options and on-market transactions, in the last 12 months.Reported Earnings • Oct 29Third quarter 2025 earnings released: EPS: US$1.19 (vs US$0.96 in 3Q 2024)Third quarter 2025 results: EPS: US$1.19 (up from US$0.96 in 3Q 2024). Revenue: US$21.8m (up 15% from 3Q 2024). Net income: US$5.35m (up 27% from 3Q 2024). Profit margin: 25% (up from 22% in 3Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 12% per year, which means it is well ahead of earnings.Declared Dividend • Oct 23Second quarter dividend of US$0.33 announcedShareholders will receive a dividend of US$0.33. Ex-date: 7th November 2025 Payment date: 26th November 2025 Dividend yield will be 2.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.お知らせ • Oct 19Franklin Financial Services Corporation Declares Regular Cash Dividend for the Fourth Quarter of 2025, Payable on November 26, 2025On October 16, 2025, the Board of Directors of Franklin Financial Services Corporation declared a $0.33 per share regular cash dividend for the fourth quarter of 2025. This compares to a $0.33 per share regular cash dividend for the third quarter of 2025 and $0.32 per share regular cash dividend for the fourth quarter of 2024, which represents an increase of 3.1% over prior year. The regular quarterly cash dividend will be paid November 26, 2025 to shareholders of record at the close of business on November 7, 2025.New Risk • Aug 31New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$64k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 4.4% per year over the past 5 years. Minor Risk Significant insider selling over the past 3 months (US$64k sold).Declared Dividend • Jul 25Second quarter dividend of US$0.33 announcedShareholders will receive a dividend of US$0.33. Ex-date: 1st August 2025 Payment date: 27th August 2025 Dividend yield will be 3.1%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.Reported Earnings • Jul 23Second quarter 2025 earnings released: EPS: US$1.32 (vs US$0.67 in 2Q 2024)Second quarter 2025 results: EPS: US$1.32 (up from US$0.67 in 2Q 2024). Revenue: US$21.7m (up 21% from 2Q 2024). Net income: US$5.91m (up 95% from 2Q 2024). Profit margin: 27% (up from 17% in 2Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.お知らせ • Jul 23Franklin Financial Services Corporation Declares Regular Cash Dividend for the Third Quarter of 2025, Payable on August 27, 2025On July 17, 2025, the Board of Directors of Franklin Financial Services Corporation declared a $0.33 per share regular quarterly cash dividend for the third quarter of 2025 to be paid on August 27, 2025, to shareholders of record at the close of business on August 1, 2025.お知らせ • Jun 30+ 1 more updateFranklin Financial Services Corporation(NasdaqCM:FRAF) dropped from Russell Microcap Growth IndexFranklin Financial Services Corporation(NasdaqCM:FRAF) dropped from Russell Microcap Growth IndexRecent Insider Transactions Derivative • May 14EVP, CFO & Treasurer exercised options to buy US$116k worth of stock.On the 9th of May, Mark Hollar exercised options to buy 3k shares at a strike price of around US$21.27, costing a total of US$64k. This transaction amounted to 26% of their direct individual holding at the time of the trade. Since June 2024, Mark's direct individual holding has increased from 11.36k shares to 13.22k. Company insiders have collectively bought US$773k more than they sold, via options and on-market transactions, in the last 12 months.分析記事 • Apr 18Franklin Financial Services' (NASDAQ:FRAF) Upcoming Dividend Will Be Larger Than Last Year'sFranklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will be increasing its periodic dividend...Declared Dividend • Apr 17Fourth quarter dividend increased to US$0.33Dividend of US$0.33 is 3.1% higher than last year. Ex-date: 2nd May 2025 Payment date: 28th May 2025 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 44% to shift the payout ratio to a potentially unsustainable range, which is more than the 7.5% EPS decline seen over the last 5 years.お知らせ • Apr 15Franklin Financial Services Corporation Declares Regular Cash Dividend for the Second Quarter of 2025, Payable on May 28, 2025On April 10, 2025, the Board of Directors of Franklin Financial Services Corporation declared a $0.33 per share regular cash dividend for the second quarter of 2025. This compares to a $0.32 per share regular cash dividend for the first quarter of 2025 and the second quarter of 2024 and represents an increase of 3.1% over the comparable quarters. The regular quarterly cash dividend will be paid May 28, 2025 to shareholders of record at the close of business on May 2, 2025.お知らせ • Mar 26Franklin Financial Services Corporation, Annual General Meeting, Apr 29, 2025Franklin Financial Services Corporation, Annual General Meeting, Apr 29, 2025.Reported Earnings • Mar 18Full year 2024 earnings released: EPS: US$2.52 (vs US$3.11 in FY 2023)Full year 2024 results: EPS: US$2.52 (down from US$3.11 in FY 2023). Revenue: US$69.2m (up 5.2% from FY 2023). Net income: US$11.1m (down 18% from FY 2023). Profit margin: 16% (down from 21% in FY 2023). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 2.95% (down from 3.31% in FY 2023). Cost-to-income ratio: 73.4% (up from 70.8% in FY 2023). Non-performing loans: 0.02% (up from 0.01% in FY 2023). Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has increased by 1% per year, which means it is well ahead of earnings.Recent Insider Transactions • Mar 13President & Director recently bought US$250k worth of stockOn the 7th of March, Craig Best bought around 7k shares on-market at roughly US$37.00 per share. This transaction amounted to 92% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Craig has been a buyer over the last 12 months, purchasing a net total of US$499k worth in shares.Recent Insider Transactions • Feb 06President & Director recently bought US$249k worth of stockOn the 31st of January, Craig Best bought around 7k shares on-market at roughly US$33.92 per share. This trade did not impact their existing holding. This was the largest purchase by an insider in the last 3 months. This was Craig's only on-market trade for the last 12 months.Declared Dividend • Jan 31Fourth quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 7th February 2025 Payment date: 26th February 2025 Dividend yield will be 3.7%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 43% to shift the payout ratio to a potentially unsustainable range, which is more than the 7.4% EPS decline seen over the last 5 years.Reported Earnings • Jan 29Full year 2024 earnings released: EPS: US$2.51 (vs US$3.11 in FY 2023)Full year 2024 results: EPS: US$2.51 (down from US$3.11 in FY 2023). Revenue: US$69.2m (up 5.2% from FY 2023). Net income: US$11.1m (down 18% from FY 2023). Profit margin: 16% (down from 21% in FY 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has remained flat, which means it is well ahead of earnings.お知らせ • Jan 22Franklin Financial Services Corporation Declares Regular Cash Dividend for the First Quarter of 2025, Payable on February 26, 2025On January 16, 2025, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the first quarter of 2025. This compares to a $0.32 per share regular cash dividend for the fourth quarter of 2024. The regular quarterly cash dividend will be paid February 26, 2025 to shareholders of record at the close of business on February 7, 2025.Valuation Update With 7 Day Price Move • Jan 16Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$33.21, the stock trades at a trailing P/E ratio of 10.4x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 12% over the past three years.お知らせ • Dec 26Franklin Financial Services Corporation and Farmers and Merchants Trust Company of Chambersburg Promotes Lorie M. Heckman to Executive Vice President and Chief Risk OfficerOn December 18, 2024, Lorie M. Heckman was promoted from Senior Vice President and Chief Risk Officer of Franklin Financial Services Corporation and Farmers and Merchants Trust Company of Chambersburg, the Corporation’s wholly-owned subsidiary, to Executive Vice President and Chief Risk Officer.Reported Earnings • Oct 23Third quarter 2024 earnings released: EPS: US$0.95 (vs US$0.89 in 3Q 2023)Third quarter 2024 results: EPS: US$0.95 (up from US$0.89 in 3Q 2023). Revenue: US$19.0m (up 13% from 3Q 2023). Net income: US$4.22m (up 9.3% from 3Q 2023). Profit margin: 22% (in line with 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.Declared Dividend • Oct 23Third quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 1st November 2024 Payment date: 27th November 2024 Dividend yield will be 4.3%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 56% to shift the payout ratio to a potentially unsustainable range, which is more than the 2.0% EPS decline seen over the last 5 years.お知らせ • Oct 19Franklin Financial Services Corporation Declares Regular Cash Dividend for the Fourth Quarter of 2024, Payable on November 27, 2024On October 17, 2024, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the fourth quarter of 2024. This compares to a $0.32 per share regular cash dividend for the third quarter of 2024. The regular quarterly cash dividend will be paid November 27, 2024 to shareholders of record at the close of business on November 1, 2024.Reported Earnings • Jul 24Second quarter 2024 earnings released: EPS: US$0.66 (vs US$0.68 in 2Q 2023)Second quarter 2024 results: EPS: US$0.66. Revenue: US$18.0m (up 11% from 2Q 2023). Net income: US$3.03m (up 1.9% from 2Q 2023). Profit margin: 17% (down from 18% in 2Q 2023). The decrease in margin was driven by higher expenses.分析記事 • Jul 20Franklin Financial Services (NASDAQ:FRAF) Will Pay A Dividend Of $0.32The board of Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend of $0.32...Declared Dividend • Jul 19First quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 2nd August 2024 Payment date: 28th August 2024 Dividend yield will be 4.4%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 18% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.Recent Insider Transactions • May 08Independent Director recently bought US$58k worth of stockOn the 3rd of May, Gregory Duffey bought around 2k shares on-market at roughly US$29.00 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$82k more in shares than they have sold in the last 12 months.Upcoming Dividend • Apr 25Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 01 May 2024. Payment date: 22 May 2024. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 4.2%. Lower than top quartile of American dividend payers (4.7%). Higher than average of industry peers (3.0%).Reported Earnings • Apr 24First quarter 2024 earnings released: EPS: US$0.77 (vs US$0.75 in 1Q 2023)First quarter 2024 results: EPS: US$0.77 (up from US$0.75 in 1Q 2023). Revenue: US$17.3m (up 11% from 1Q 2023). Net income: US$3.36m (up 2.1% from 1Q 2023). Profit margin: 19% (down from 21% in 1Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has remained flat, which means it is well ahead of earnings.Valuation Update With 7 Day Price Move • Apr 23Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$30.50, the stock trades at a trailing P/E ratio of 9.9x. Average trailing P/E is 9x in the Banks industry in the US. Total returns to shareholders of 14% over the past three years.分析記事 • Apr 20Franklin Financial Services (NASDAQ:FRAF) Has Announced A Dividend Of $0.32Franklin Financial Services Corporation's ( NASDAQ:FRAF ) investors are due to receive a payment of $0.32 per share on...Declared Dividend • Apr 18Fourth quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 1st May 2024 Payment date: 22nd May 2024 Dividend yield will be 4.6%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 17% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Mar 20Franklin Financial Services Corporation, Annual General Meeting, Apr 23, 2024Franklin Financial Services Corporation, Annual General Meeting, Apr 23, 2024, at 09:00 US Eastern Standard Time. Agenda: To elect the three nominees identified in the accompanying Proxy Statement as directors to Class C for three-year terms and until their successors are elected and qualified; to provide a non-binding advisory vote approving the compensation paid to named executive officers in 2023; to ratify the Audit Committee’s selection of Crowe LLP as Franklin Financial’s independent registered public accounting firm for 2024; and to consider other business, if any, as may properly be brought before the meeting and any adjournments thereof.Reported Earnings • Mar 14Full year 2023 earnings released: EPS: US$3.11 (vs US$3.38 in FY 2022)Full year 2023 results: EPS: US$3.11 (down from US$3.38 in FY 2022). Revenue: US$65.8m (flat on FY 2022). Net income: US$13.6m (down 9.0% from FY 2022). Profit margin: 21% (down from 23% in FY 2022). Net interest margin (NIM): 3.31% (up from 3.11% in FY 2022). Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 5% per year.Reported Earnings • Jan 31Full year 2023 earnings released: EPS: US$3.10 (vs US$3.38 in FY 2022)Full year 2023 results: EPS: US$3.10 (down from US$3.38 in FY 2022). Revenue: US$65.8m (flat on FY 2022). Net income: US$13.6m (down 9.0% from FY 2022). Profit margin: 21% (down from 23% in FY 2022). Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.分析記事 • Jan 26Franklin Financial Services (NASDAQ:FRAF) Has Affirmed Its Dividend Of $0.32Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend of $0.32 per share on...Declared Dividend • Jan 25Third quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 31st January 2024 Payment date: 28th February 2024 Dividend yield will be 3.8%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 14% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.Reported Earnings • Oct 26Third quarter 2023 earnings released: EPS: US$0.88 (vs US$1.05 in 3Q 2022)Third quarter 2023 results: EPS: US$0.88 (down from US$1.05 in 3Q 2022). Revenue: US$16.8m (down 5.0% from 3Q 2022). Net income: US$3.86m (down 17% from 3Q 2022). Profit margin: 23% (down from 26% in 3Q 2022). Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings.分析記事 • Oct 26Franklin Financial Services (NASDAQ:FRAF) Has Affirmed Its Dividend Of $0.32Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend of $0.32 per share on...Upcoming Dividend • Oct 26Upcoming dividend of US$0.32 per share at 4.3% yieldEligible shareholders must have bought the stock before 02 November 2023. Payment date: 22 November 2023. Payout ratio is a comfortable 38% and this is well supported by cash flows. Trailing yield: 4.3%. Lower than top quartile of American dividend payers (5.3%). In line with average of industry peers (4.1%).お知らせ • Oct 22Franklin Financial Services Corporation Declares Regular Cash Dividend for the Fourth Quarter of 2023, Payable on November 22, 2023On October 19, 2023, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the fourth quarter of 2023. This compares to a $0.32 per share regular cash dividend for the third quarter of 2023. The regular quarterly cash dividend will be paid November 22, 2023 to shareholders of record at the close of business on November 3, 2023.分析記事 • Jul 27Franklin Financial Services' (NASDAQ:FRAF) Dividend Will Be $0.32Franklin Financial Services Corporation's ( NASDAQ:FRAF ) investors are due to receive a payment of $0.32 per share on...Upcoming Dividend • Jul 27Upcoming dividend of US$0.32 per share at 4.3% yieldEligible shareholders must have bought the stock before 03 August 2023. Payment date: 23 August 2023. Payout ratio is a comfortable 39% and this is well supported by cash flows. Trailing yield: 4.3%. Lower than top quartile of American dividend payers (4.7%). Higher than average of industry peers (3.4%).Reported Earnings • Jul 26Second quarter 2023 earnings released: EPS: US$0.68 (vs US$0.80 in 2Q 2022)Second quarter 2023 results: EPS: US$0.68 (down from US$0.80 in 2Q 2022). Revenue: US$16.2m (flat on 2Q 2022). Net income: US$2.98m (down 17% from 2Q 2022). Profit margin: 18% (down from 22% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 6% per year.Valuation Update With 7 Day Price Move • May 05Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$24.36, the stock trades at a trailing P/E ratio of 7x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 4.4% over the past three years.Reported Earnings • Apr 28First quarter 2023 earnings released: EPS: US$0.75 (vs US$0.68 in 1Q 2022)First quarter 2023 results: EPS: US$0.75 (up from US$0.68 in 1Q 2022). Revenue: US$15.5m (up 5.7% from 1Q 2022). Net income: US$3.29m (up 9.3% from 1Q 2022). Profit margin: 21% (in line with 1Q 2022). Over the last 3 years on average, earnings per share has increased by 4% per year whereas the company’s share price has remained flat.Upcoming Dividend • Apr 27Upcoming dividend of US$0.32 per share at 4.4% yieldEligible shareholders must have bought the stock before 04 May 2023. Payment date: 24 May 2023. Payout ratio is a comfortable 38% and this is well supported by cash flows. Trailing yield: 4.4%. Lower than top quartile of American dividend payers (5.0%). Higher than average of industry peers (3.7%).Board Change • Mar 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 7 highly experienced directors. Director Gregory Snook was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Recent Insider Transactions • Feb 19Director recently bought US$86k worth of stockOn the 14th of February, Gregory Snook bought around 3k shares on-market at roughly US$32.86 per share. This transaction increased Gregory's direct individual holding by 3x at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth US$123k. Insiders have collectively bought US$386k more in shares than they have sold in the last 12 months.分析記事 • Jan 27Franklin Financial Services' (NASDAQ:FRAF) Dividend Will Be $0.32The board of Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend of $0.32...Reported Earnings • Jan 26Full year 2022 earnings released: EPS: US$3.36 (vs US$4.44 in FY 2021)Full year 2022 results: EPS: US$3.36 (down from US$4.44 in FY 2021). Revenue: US$66.2m (flat on FY 2021). Net income: US$14.9m (down 24% from FY 2021). Profit margin: 23% (down from 30% in FY 2021). Net interest margin (NIM): 3.11% (up from 2.88% in FY 2021). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.お知らせ • Jan 22Franklin Financial Services Corporation Declares Regular Cash Dividend for the First Quarter of 2023, Payable on February 22, 2023On January 19, 2023, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the first quarter of 2023. This compares to a $0.32 per share regular cash dividend for the fourth quarter of 2022. The regular quarterly cash dividend will be paid February 22, 2023 to shareholders of record at the close of business on February 3, 2023.お知らせ • Jan 20Franklin Financial Services Corporation, Annual General Meeting, Apr 25, 2023Franklin Financial Services Corporation, Annual General Meeting, Apr 25, 2023.お知らせ • Dec 22Franklin Financial Services Corporation and Farmers and Merchants Trust Company of Chambersburg Appoint Gregory I. Snook as DirectorOn December 15, 2022, the Board of Directors of Franklin Financial Services Corporation (the Corporation), appointed Gregory I. Snook as Director of the Corporation. Mr. Snook was appointed as a Class B Director with a term scheduled to expire at the annual meeting of shareholders in 2025. On December 15, 2022, the Board of Directors of Farmers and Merchants Trust Company of Chambersburg (F&M Trust, or the Bank), also appointed Mr. Snook as Director of F&M Trust.Recent Insider Transactions • Dec 19Independent Director recently bought US$123k worth of stockOn the 14th of December, Kevin Craig bought around 4k shares on-market at roughly US$30.77 per share. This transaction amounted to 35% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$323k more in shares than they have sold in the last 12 months.Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 6 highly experienced directors. Independent Director Kevin Craig was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 26Third quarter 2022 earnings released: EPS: US$1.05 (vs US$1.32 in 3Q 2021)Third quarter 2022 results: EPS: US$1.05 (down from US$1.32 in 3Q 2021). Revenue: US$17.7m (flat on 3Q 2021). Net income: US$4.63m (down 21% from 3Q 2021). Profit margin: 26% (down from 33% in 3Q 2021). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Upcoming Dividend • Oct 25Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 01 November 2022. Payment date: 28 November 2022. Payout ratio is a comfortable 35% and the cash payout ratio is 89%. Trailing yield: 4.0%. Lower than top quartile of American dividend payers (4.6%). Higher than average of industry peers (3.2%).お知らせ • Oct 20Franklin Financial Services Corporation Declares Regular Cash Dividend for the Fourth Quarter of 2022, Payable from November 28, 2022On October 13, 2022, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the fourth quarter of 2022. This compares to a $0.32 per share regular cash dividend for the third quarter of 2022. The regular quarterly cash dividend will be paid November 28, 2022 to shareholders of record at the close of business on November 2, 2022.Board Change • Aug 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 6 highly experienced directors. Independent Director Kevin Craig was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Upcoming Dividend • Jul 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 04 August 2022. Payment date: 24 August 2022. Payout ratio is a comfortable 35% and this is well supported by cash flows. Trailing yield: 4.0%. Lower than top quartile of American dividend payers (4.1%). Higher than average of industry peers (3.1%).Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$0.80 (vs US$1.19 in 2Q 2021)Second quarter 2022 results: EPS: US$0.80 (down from US$1.19 in 2Q 2021). Revenue: US$16.2m (down 1.3% from 2Q 2021). Net income: US$3.58m (down 32% from 2Q 2021). Profit margin: 22% (down from 32% in 2Q 2021). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.Seeking Alpha • Jul 26Franklin Financial Services GAAP EPS of $0.80, revenue of $16.2MFranklin Financial Services press release (NASDAQ:FRAF): Q2 GAAP EPS of $0.80. Revenue of $16.2M (+5.8% Y/Y).分析記事 • Jul 26Franklin Financial Services (NASDAQ:FRAF) Has Announced A Dividend Of $0.32The board of Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend on the...お知らせ • Jul 16Franklin Financial Services Corporation Declares Cash Dividend for the Third Quarter of 2022, Payable on August 24, 2022On July 14, 2022, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the third quarter of 2022. This compares to a $0.32 per share regular cash dividend for the second quarter of 2022. The regular quarterly cash dividend will be paid August 24, 2022 to shareholders of record at the close of business on August 5, 2022.Upcoming Dividend • Apr 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 05 May 2022. Payment date: 25 May 2022. Payout ratio is a comfortable 32% and this is well supported by cash flows. Trailing yield: 3.9%. Within top quartile of American dividend payers (3.8%). Higher than average of industry peers (2.8%).Reported Earnings • Apr 27First quarter 2022 earnings released: EPS: US$0.67 (vs US$1.10 in 1Q 2021)First quarter 2022 results: EPS: US$0.67 (down from US$1.10 in 1Q 2021). Revenue: US$14.7m (down 7.4% from 1Q 2021). Net income: US$3.01m (down 38% from 1Q 2021). Profit margin: 21% (down from 30% in 1Q 2021). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.お知らせ • Apr 27Franklin Financial Services Corporation Declares Regular Quarterly Cash Dividend for the Second Quarter of 2022, Payable May 25, 2022On April 14, 2022, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular quarterly cash dividend for the second quarter of 2022 to be paid on May 25, 2022, to shareholders of record at the close of business on May 6, 2022. This compares to a $0.32 per share regular quarterly cash dividend for the fourth quarter of 2021 and $0.31 per share for the second quarter of 2021.Reported Earnings • Mar 13Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$4.44 (up from US$2.94 in FY 2020). Revenue: US$66.3m (up 26% from FY 2020). Net income: US$19.6m (up 53% from FY 2020). Profit margin: 30% (up from 24% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.88% (down from 3.21% in FY 2020). Cost-to-income ratio: 66.1% (down from 67.3% in FY 2020). Non-performing loans: 0.74% (down from 0.87% in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Reported Earnings • Jan 27Full year 2021 earnings: Revenues in line with analyst expectationsFull year 2021 results: Revenue: US$66.3m (up 26% from FY 2020). Net income: US$19.6m (up 53% from FY 2020). Profit margin: 30% (up from 24% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Reported Earnings • Oct 28Third quarter 2021 earnings released: EPS US$1.33 (vs US$0.79 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$17.8m (up 31% from 3Q 2020). Net income: US$5.86m (up 69% from 3Q 2020). Profit margin: 33% (up from 25% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 39% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Upcoming Dividend • Oct 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 04 November 2021. Payment date: 24 November 2021. Trailing yield: 3.9%. Within top quartile of American dividend payers (3.5%). Higher than average of industry peers (2.2%).分析記事 • Oct 23Franklin Financial Services (NASDAQ:FRAF) Has Announced That It Will Be Increasing Its Dividend To US$0.32Franklin Financial Services Corporation ( NASDAQ:FRAF ) will increase its dividend on the 24th of November to US$0.32...Reported Earnings • Jul 31Second quarter 2021 earnings released: EPS US$1.19 (vs US$0.71 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$16.4m (up 40% from 2Q 2020). Net income: US$5.27m (up 72% from 2Q 2020). Profit margin: 32% (up from 26% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 53% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.Upcoming Dividend • Jul 29Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 05 August 2021. Payment date: 25 August 2021. Trailing yield: 3.8%. Within top quartile of American dividend payers (3.5%). Higher than average of industry peers (2.4%).分析記事 • Jul 15Franklin Financial Services (NASDAQ:FRAF) Will Pay A Larger Dividend Than Last Year At US$0.32Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will be increasing its dividend on the...お知らせ • Jun 28+ 6 more updatesFranklin Financial Services Corporation(NasdaqCM:FRAF) dropped from Russell 3000E Value IndexFranklin Financial Services Corporation(NasdaqCM:FRAF) dropped from Russell 3000E Value IndexRecent Insider Transactions • Jun 19Independent Director recently bought US$130k worth of stockOn the 16th of June, Kevin Craig bought around 4k shares on-market at roughly US$30.20 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$147k more in shares than they have sold in the last 12 months.業績と収益の成長予測NasdaqCM:FRAF - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/202710429N/AN/A112/31/20269927N/AN/A13/31/202690244041N/A12/31/202586212525N/A9/30/202578162526N/A6/30/202575152426N/A3/31/202571122123N/A12/31/202469111922N/A9/30/202472142123N/A6/30/202469142123N/A3/31/202468142526N/A12/31/202366142627N/A9/30/202366142628N/A6/30/202367152529N/A3/31/202367152029N/A12/31/202266151325N/A9/30/20226515820N/A6/30/20226516624N/A3/31/20226518720N/A12/31/202166201826N/A9/30/202166212128N/A6/30/202162181616N/A3/31/202157161414N/A12/31/2020521366N/A9/30/2020521357N/A6/30/202053141113N/A3/31/202055151617N/A12/31/20195716N/A19N/A9/30/20195516N/A22N/A6/30/20195415N/A20N/A3/31/2019446N/A10N/A12/31/2018436N/A9N/A9/30/201843-5N/A5N/A6/30/201842-6N/A8N/A3/31/2018503N/A17N/A12/31/2017492N/A16N/A9/30/20174811N/A19N/A6/30/20174610N/A16N/A3/31/2017438N/A16N/A12/31/2016438N/A15N/A9/30/2016429N/A13N/A6/30/2016429N/A13N/A3/31/20164410N/A12N/A12/31/20154410N/A13N/A9/30/20154310N/A14N/A6/30/20154310N/A12N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: FRAFの予測収益成長率 (年間11.2% ) は 貯蓄率 ( 3.5% ) を上回っています。収益対市場: FRAFの収益 ( 11.2% ) US市場 ( 17.1% ) よりも低い成長が予測されています。高成長収益: FRAFの収益は増加すると予測されていますが、大幅には増加しません。収益対市場: FRAFの収益 ( 8% ) US市場 ( 11.9% ) よりも低い成長が予測されています。高い収益成長: FRAFの収益 ( 8% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: FRAFの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YBanks 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/09 20:02終値2026/06/09 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Franklin Financial Services Corporation 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。1 アナリスト機関David BishopHovde Group, LLC
New Risk • 23hNew minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$81k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. This is currently the only risk that has been identified for the company.
Recent Insider Transactions • Jun 01Insider recently sold US$81k worth of stockOn the 26th of May, Steven Butz sold around 1k shares on-market at roughly US$57.73 per share. This transaction amounted to 20% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$127k more than they bought in the last 12 months.
Reported Earnings • Apr 26First quarter 2026 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2026 results: EPS: US$1.48 (up from US$0.88 in 1Q 2025). Revenue: US$23.7m (up 22% from 1Q 2025). Net income: US$6.64m (up 69% from 1Q 2025). Profit margin: 28% (up from 20% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.5%. Earnings per share (EPS) also surpassed analyst estimates by 10%. Revenue is forecast to grow 7.6% p.a. on average during the next 2 years, compared to a 8.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 25% per year, which means it is tracking significantly ahead of earnings growth.
New Risk • Apr 25New major risk - Revenue and earnings growthEarnings have declined by 4.7% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
Declared Dividend • Apr 20Fourth quarter dividend increased to US$0.34Dividend of US$0.34 is 3.0% higher than last year. Ex-date: 1st May 2026 Payment date: 27th May 2026 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (28% payout ratio) and is expected to be well covered in 3 years' time (21% forecast payout ratio). The dividend has increased by an average of 5.7% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 30% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 14Franklin Financial Services Corporation Declares Regular Cash Dividend for the Second Quarter of 2026, Payable on May 27, 2026On April 9, 2026, the Board of Directors of Franklin Financial Services Corporation declared a $0.34 per share regular cash dividend for the second quarter of 2026. This compares to a $0.33 per share regular cash dividend for the first quarter of 2026 and $0.33 per share regular cash dividend for the second quarter of 2025, which represents an increase of 3.0% over the same quarter in 2025. The regular quarterly cash dividend will be paid May 27, 2026 to shareholders of record at the close of business on May 1, 2026.
お知らせ • Mar 25Franklin Financial Services Corporation, Annual General Meeting, Apr 28, 2026Franklin Financial Services Corporation, Annual General Meeting, Apr 28, 2026.
Reported Earnings • Mar 16Full year 2025 earnings released: EPS: US$4.76 (vs US$2.52 in FY 2024)Full year 2025 results: EPS: US$4.76 (up from US$2.52 in FY 2024). Revenue: US$85.9m (up 24% from FY 2024). Net income: US$21.2m (up 91% from FY 2024). Profit margin: 25% (up from 16% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.25% (up from 2.95% in FY 2024). Cost-to-income ratio: 66.5% (down from 73.4% in FY 2024). Non-performing loans: 0.55% (up from 0.02% in FY 2024). Revenue is forecast to grow 9.0% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 17% per year, which means it is tracking significantly ahead of earnings growth.
Recent Insider Transactions • Mar 15Independent Director recently bought US$106k worth of stockOn the 9th of March, Gregory Snook bought around 2k shares on-market at roughly US$48.18 per share. This transaction amounted to 33% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold US$85k more in shares than they bought in the last 12 months.
Reported Earnings • Jan 29Full year 2025 earnings released: EPS: US$4.74 (vs US$2.52 in FY 2024)Full year 2025 results: EPS: US$4.74 (up from US$2.52 in FY 2024). Revenue: US$85.9m (up 24% from FY 2024). Net income: US$21.2m (up 91% from FY 2024). Profit margin: 25% (up from 16% in FY 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 14% per year, which means it is tracking significantly ahead of earnings growth.
Declared Dividend • Jan 25Third quarter dividend of US$0.33 announcedShareholders will receive a dividend of US$0.33. Ex-date: 6th February 2026 Payment date: 25th February 2026 Dividend yield will be 2.8%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 3.8% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Jan 21Franklin Financial Services Corporation Declares Regular Cash Dividend for the First Quarter of 2026, Payable on February 25, 2026On January 15, 2026, the Board of Directors of Franklin Financial Services Corporation declared a $0.33 per share regular cash dividend for the first quarter of 2026. This compares to a $0.33 per share regular cash dividend for the fourth quarter of 2025 and $0.32 per share regular cash dividend for the first quarter of 2025, which represents an increase of 3.1% over prior year. The regular quarterly cash dividend will be paid February 25, 2026 to shareholders of record at the close of business on February 6, 2026.
Recent Insider Transactions • Dec 26Independent Director recently sold US$81k worth of stockOn the 22nd of December, Kimberly Rzomp sold around 2k shares on-market at roughly US$54.07 per share. This transaction amounted to 21% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought US$290k more than they sold in the last 12 months.
Recent Insider Transactions Derivative • Dec 24Independent Director notifies of intention to sell stockKimberly Rzomp intends to sell 2k shares in the next 90 days after lodging an Intent To Sell Form on the 22nd of December. If the sale is conducted around the recent share price of US$53.93, it would amount to US$81k. Since December 2024, Kimberly has owned 7.01k shares directly. Company insiders have collectively bought US$489k more than they sold, via options and on-market transactions, in the last 12 months.
Reported Earnings • Oct 29Third quarter 2025 earnings released: EPS: US$1.19 (vs US$0.96 in 3Q 2024)Third quarter 2025 results: EPS: US$1.19 (up from US$0.96 in 3Q 2024). Revenue: US$21.8m (up 15% from 3Q 2024). Net income: US$5.35m (up 27% from 3Q 2024). Profit margin: 25% (up from 22% in 3Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 12% per year, which means it is well ahead of earnings.
Declared Dividend • Oct 23Second quarter dividend of US$0.33 announcedShareholders will receive a dividend of US$0.33. Ex-date: 7th November 2025 Payment date: 26th November 2025 Dividend yield will be 2.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.
お知らせ • Oct 19Franklin Financial Services Corporation Declares Regular Cash Dividend for the Fourth Quarter of 2025, Payable on November 26, 2025On October 16, 2025, the Board of Directors of Franklin Financial Services Corporation declared a $0.33 per share regular cash dividend for the fourth quarter of 2025. This compares to a $0.33 per share regular cash dividend for the third quarter of 2025 and $0.32 per share regular cash dividend for the fourth quarter of 2024, which represents an increase of 3.1% over prior year. The regular quarterly cash dividend will be paid November 26, 2025 to shareholders of record at the close of business on November 7, 2025.
New Risk • Aug 31New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$64k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 4.4% per year over the past 5 years. Minor Risk Significant insider selling over the past 3 months (US$64k sold).
Declared Dividend • Jul 25Second quarter dividend of US$0.33 announcedShareholders will receive a dividend of US$0.33. Ex-date: 1st August 2025 Payment date: 27th August 2025 Dividend yield will be 3.1%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.
Reported Earnings • Jul 23Second quarter 2025 earnings released: EPS: US$1.32 (vs US$0.67 in 2Q 2024)Second quarter 2025 results: EPS: US$1.32 (up from US$0.67 in 2Q 2024). Revenue: US$21.7m (up 21% from 2Q 2024). Net income: US$5.91m (up 95% from 2Q 2024). Profit margin: 27% (up from 17% in 2Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.
お知らせ • Jul 23Franklin Financial Services Corporation Declares Regular Cash Dividend for the Third Quarter of 2025, Payable on August 27, 2025On July 17, 2025, the Board of Directors of Franklin Financial Services Corporation declared a $0.33 per share regular quarterly cash dividend for the third quarter of 2025 to be paid on August 27, 2025, to shareholders of record at the close of business on August 1, 2025.
お知らせ • Jun 30+ 1 more updateFranklin Financial Services Corporation(NasdaqCM:FRAF) dropped from Russell Microcap Growth IndexFranklin Financial Services Corporation(NasdaqCM:FRAF) dropped from Russell Microcap Growth Index
Recent Insider Transactions Derivative • May 14EVP, CFO & Treasurer exercised options to buy US$116k worth of stock.On the 9th of May, Mark Hollar exercised options to buy 3k shares at a strike price of around US$21.27, costing a total of US$64k. This transaction amounted to 26% of their direct individual holding at the time of the trade. Since June 2024, Mark's direct individual holding has increased from 11.36k shares to 13.22k. Company insiders have collectively bought US$773k more than they sold, via options and on-market transactions, in the last 12 months.
分析記事 • Apr 18Franklin Financial Services' (NASDAQ:FRAF) Upcoming Dividend Will Be Larger Than Last Year'sFranklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will be increasing its periodic dividend...
Declared Dividend • Apr 17Fourth quarter dividend increased to US$0.33Dividend of US$0.33 is 3.1% higher than last year. Ex-date: 2nd May 2025 Payment date: 28th May 2025 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 44% to shift the payout ratio to a potentially unsustainable range, which is more than the 7.5% EPS decline seen over the last 5 years.
お知らせ • Apr 15Franklin Financial Services Corporation Declares Regular Cash Dividend for the Second Quarter of 2025, Payable on May 28, 2025On April 10, 2025, the Board of Directors of Franklin Financial Services Corporation declared a $0.33 per share regular cash dividend for the second quarter of 2025. This compares to a $0.32 per share regular cash dividend for the first quarter of 2025 and the second quarter of 2024 and represents an increase of 3.1% over the comparable quarters. The regular quarterly cash dividend will be paid May 28, 2025 to shareholders of record at the close of business on May 2, 2025.
お知らせ • Mar 26Franklin Financial Services Corporation, Annual General Meeting, Apr 29, 2025Franklin Financial Services Corporation, Annual General Meeting, Apr 29, 2025.
Reported Earnings • Mar 18Full year 2024 earnings released: EPS: US$2.52 (vs US$3.11 in FY 2023)Full year 2024 results: EPS: US$2.52 (down from US$3.11 in FY 2023). Revenue: US$69.2m (up 5.2% from FY 2023). Net income: US$11.1m (down 18% from FY 2023). Profit margin: 16% (down from 21% in FY 2023). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 2.95% (down from 3.31% in FY 2023). Cost-to-income ratio: 73.4% (up from 70.8% in FY 2023). Non-performing loans: 0.02% (up from 0.01% in FY 2023). Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has increased by 1% per year, which means it is well ahead of earnings.
Recent Insider Transactions • Mar 13President & Director recently bought US$250k worth of stockOn the 7th of March, Craig Best bought around 7k shares on-market at roughly US$37.00 per share. This transaction amounted to 92% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Craig has been a buyer over the last 12 months, purchasing a net total of US$499k worth in shares.
Recent Insider Transactions • Feb 06President & Director recently bought US$249k worth of stockOn the 31st of January, Craig Best bought around 7k shares on-market at roughly US$33.92 per share. This trade did not impact their existing holding. This was the largest purchase by an insider in the last 3 months. This was Craig's only on-market trade for the last 12 months.
Declared Dividend • Jan 31Fourth quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 7th February 2025 Payment date: 26th February 2025 Dividend yield will be 3.7%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 43% to shift the payout ratio to a potentially unsustainable range, which is more than the 7.4% EPS decline seen over the last 5 years.
Reported Earnings • Jan 29Full year 2024 earnings released: EPS: US$2.51 (vs US$3.11 in FY 2023)Full year 2024 results: EPS: US$2.51 (down from US$3.11 in FY 2023). Revenue: US$69.2m (up 5.2% from FY 2023). Net income: US$11.1m (down 18% from FY 2023). Profit margin: 16% (down from 21% in FY 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has remained flat, which means it is well ahead of earnings.
お知らせ • Jan 22Franklin Financial Services Corporation Declares Regular Cash Dividend for the First Quarter of 2025, Payable on February 26, 2025On January 16, 2025, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the first quarter of 2025. This compares to a $0.32 per share regular cash dividend for the fourth quarter of 2024. The regular quarterly cash dividend will be paid February 26, 2025 to shareholders of record at the close of business on February 7, 2025.
Valuation Update With 7 Day Price Move • Jan 16Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$33.21, the stock trades at a trailing P/E ratio of 10.4x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 12% over the past three years.
お知らせ • Dec 26Franklin Financial Services Corporation and Farmers and Merchants Trust Company of Chambersburg Promotes Lorie M. Heckman to Executive Vice President and Chief Risk OfficerOn December 18, 2024, Lorie M. Heckman was promoted from Senior Vice President and Chief Risk Officer of Franklin Financial Services Corporation and Farmers and Merchants Trust Company of Chambersburg, the Corporation’s wholly-owned subsidiary, to Executive Vice President and Chief Risk Officer.
Reported Earnings • Oct 23Third quarter 2024 earnings released: EPS: US$0.95 (vs US$0.89 in 3Q 2023)Third quarter 2024 results: EPS: US$0.95 (up from US$0.89 in 3Q 2023). Revenue: US$19.0m (up 13% from 3Q 2023). Net income: US$4.22m (up 9.3% from 3Q 2023). Profit margin: 22% (in line with 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.
Declared Dividend • Oct 23Third quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 1st November 2024 Payment date: 27th November 2024 Dividend yield will be 4.3%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 56% to shift the payout ratio to a potentially unsustainable range, which is more than the 2.0% EPS decline seen over the last 5 years.
お知らせ • Oct 19Franklin Financial Services Corporation Declares Regular Cash Dividend for the Fourth Quarter of 2024, Payable on November 27, 2024On October 17, 2024, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the fourth quarter of 2024. This compares to a $0.32 per share regular cash dividend for the third quarter of 2024. The regular quarterly cash dividend will be paid November 27, 2024 to shareholders of record at the close of business on November 1, 2024.
Reported Earnings • Jul 24Second quarter 2024 earnings released: EPS: US$0.66 (vs US$0.68 in 2Q 2023)Second quarter 2024 results: EPS: US$0.66. Revenue: US$18.0m (up 11% from 2Q 2023). Net income: US$3.03m (up 1.9% from 2Q 2023). Profit margin: 17% (down from 18% in 2Q 2023). The decrease in margin was driven by higher expenses.
分析記事 • Jul 20Franklin Financial Services (NASDAQ:FRAF) Will Pay A Dividend Of $0.32The board of Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend of $0.32...
Declared Dividend • Jul 19First quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 2nd August 2024 Payment date: 28th August 2024 Dividend yield will be 4.4%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 18% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
Recent Insider Transactions • May 08Independent Director recently bought US$58k worth of stockOn the 3rd of May, Gregory Duffey bought around 2k shares on-market at roughly US$29.00 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$82k more in shares than they have sold in the last 12 months.
Upcoming Dividend • Apr 25Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 01 May 2024. Payment date: 22 May 2024. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 4.2%. Lower than top quartile of American dividend payers (4.7%). Higher than average of industry peers (3.0%).
Reported Earnings • Apr 24First quarter 2024 earnings released: EPS: US$0.77 (vs US$0.75 in 1Q 2023)First quarter 2024 results: EPS: US$0.77 (up from US$0.75 in 1Q 2023). Revenue: US$17.3m (up 11% from 1Q 2023). Net income: US$3.36m (up 2.1% from 1Q 2023). Profit margin: 19% (down from 21% in 1Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has remained flat, which means it is well ahead of earnings.
Valuation Update With 7 Day Price Move • Apr 23Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$30.50, the stock trades at a trailing P/E ratio of 9.9x. Average trailing P/E is 9x in the Banks industry in the US. Total returns to shareholders of 14% over the past three years.
分析記事 • Apr 20Franklin Financial Services (NASDAQ:FRAF) Has Announced A Dividend Of $0.32Franklin Financial Services Corporation's ( NASDAQ:FRAF ) investors are due to receive a payment of $0.32 per share on...
Declared Dividend • Apr 18Fourth quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 1st May 2024 Payment date: 22nd May 2024 Dividend yield will be 4.6%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 17% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Mar 20Franklin Financial Services Corporation, Annual General Meeting, Apr 23, 2024Franklin Financial Services Corporation, Annual General Meeting, Apr 23, 2024, at 09:00 US Eastern Standard Time. Agenda: To elect the three nominees identified in the accompanying Proxy Statement as directors to Class C for three-year terms and until their successors are elected and qualified; to provide a non-binding advisory vote approving the compensation paid to named executive officers in 2023; to ratify the Audit Committee’s selection of Crowe LLP as Franklin Financial’s independent registered public accounting firm for 2024; and to consider other business, if any, as may properly be brought before the meeting and any adjournments thereof.
Reported Earnings • Mar 14Full year 2023 earnings released: EPS: US$3.11 (vs US$3.38 in FY 2022)Full year 2023 results: EPS: US$3.11 (down from US$3.38 in FY 2022). Revenue: US$65.8m (flat on FY 2022). Net income: US$13.6m (down 9.0% from FY 2022). Profit margin: 21% (down from 23% in FY 2022). Net interest margin (NIM): 3.31% (up from 3.11% in FY 2022). Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 5% per year.
Reported Earnings • Jan 31Full year 2023 earnings released: EPS: US$3.10 (vs US$3.38 in FY 2022)Full year 2023 results: EPS: US$3.10 (down from US$3.38 in FY 2022). Revenue: US$65.8m (flat on FY 2022). Net income: US$13.6m (down 9.0% from FY 2022). Profit margin: 21% (down from 23% in FY 2022). Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.
分析記事 • Jan 26Franklin Financial Services (NASDAQ:FRAF) Has Affirmed Its Dividend Of $0.32Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend of $0.32 per share on...
Declared Dividend • Jan 25Third quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 31st January 2024 Payment date: 28th February 2024 Dividend yield will be 3.8%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 14% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
Reported Earnings • Oct 26Third quarter 2023 earnings released: EPS: US$0.88 (vs US$1.05 in 3Q 2022)Third quarter 2023 results: EPS: US$0.88 (down from US$1.05 in 3Q 2022). Revenue: US$16.8m (down 5.0% from 3Q 2022). Net income: US$3.86m (down 17% from 3Q 2022). Profit margin: 23% (down from 26% in 3Q 2022). Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings.
分析記事 • Oct 26Franklin Financial Services (NASDAQ:FRAF) Has Affirmed Its Dividend Of $0.32Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend of $0.32 per share on...
Upcoming Dividend • Oct 26Upcoming dividend of US$0.32 per share at 4.3% yieldEligible shareholders must have bought the stock before 02 November 2023. Payment date: 22 November 2023. Payout ratio is a comfortable 38% and this is well supported by cash flows. Trailing yield: 4.3%. Lower than top quartile of American dividend payers (5.3%). In line with average of industry peers (4.1%).
お知らせ • Oct 22Franklin Financial Services Corporation Declares Regular Cash Dividend for the Fourth Quarter of 2023, Payable on November 22, 2023On October 19, 2023, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the fourth quarter of 2023. This compares to a $0.32 per share regular cash dividend for the third quarter of 2023. The regular quarterly cash dividend will be paid November 22, 2023 to shareholders of record at the close of business on November 3, 2023.
分析記事 • Jul 27Franklin Financial Services' (NASDAQ:FRAF) Dividend Will Be $0.32Franklin Financial Services Corporation's ( NASDAQ:FRAF ) investors are due to receive a payment of $0.32 per share on...
Upcoming Dividend • Jul 27Upcoming dividend of US$0.32 per share at 4.3% yieldEligible shareholders must have bought the stock before 03 August 2023. Payment date: 23 August 2023. Payout ratio is a comfortable 39% and this is well supported by cash flows. Trailing yield: 4.3%. Lower than top quartile of American dividend payers (4.7%). Higher than average of industry peers (3.4%).
Reported Earnings • Jul 26Second quarter 2023 earnings released: EPS: US$0.68 (vs US$0.80 in 2Q 2022)Second quarter 2023 results: EPS: US$0.68 (down from US$0.80 in 2Q 2022). Revenue: US$16.2m (flat on 2Q 2022). Net income: US$2.98m (down 17% from 2Q 2022). Profit margin: 18% (down from 22% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 6% per year.
Valuation Update With 7 Day Price Move • May 05Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$24.36, the stock trades at a trailing P/E ratio of 7x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 4.4% over the past three years.
Reported Earnings • Apr 28First quarter 2023 earnings released: EPS: US$0.75 (vs US$0.68 in 1Q 2022)First quarter 2023 results: EPS: US$0.75 (up from US$0.68 in 1Q 2022). Revenue: US$15.5m (up 5.7% from 1Q 2022). Net income: US$3.29m (up 9.3% from 1Q 2022). Profit margin: 21% (in line with 1Q 2022). Over the last 3 years on average, earnings per share has increased by 4% per year whereas the company’s share price has remained flat.
Upcoming Dividend • Apr 27Upcoming dividend of US$0.32 per share at 4.4% yieldEligible shareholders must have bought the stock before 04 May 2023. Payment date: 24 May 2023. Payout ratio is a comfortable 38% and this is well supported by cash flows. Trailing yield: 4.4%. Lower than top quartile of American dividend payers (5.0%). Higher than average of industry peers (3.7%).
Board Change • Mar 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 7 highly experienced directors. Director Gregory Snook was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Recent Insider Transactions • Feb 19Director recently bought US$86k worth of stockOn the 14th of February, Gregory Snook bought around 3k shares on-market at roughly US$32.86 per share. This transaction increased Gregory's direct individual holding by 3x at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth US$123k. Insiders have collectively bought US$386k more in shares than they have sold in the last 12 months.
分析記事 • Jan 27Franklin Financial Services' (NASDAQ:FRAF) Dividend Will Be $0.32The board of Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend of $0.32...
Reported Earnings • Jan 26Full year 2022 earnings released: EPS: US$3.36 (vs US$4.44 in FY 2021)Full year 2022 results: EPS: US$3.36 (down from US$4.44 in FY 2021). Revenue: US$66.2m (flat on FY 2021). Net income: US$14.9m (down 24% from FY 2021). Profit margin: 23% (down from 30% in FY 2021). Net interest margin (NIM): 3.11% (up from 2.88% in FY 2021). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
お知らせ • Jan 22Franklin Financial Services Corporation Declares Regular Cash Dividend for the First Quarter of 2023, Payable on February 22, 2023On January 19, 2023, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the first quarter of 2023. This compares to a $0.32 per share regular cash dividend for the fourth quarter of 2022. The regular quarterly cash dividend will be paid February 22, 2023 to shareholders of record at the close of business on February 3, 2023.
お知らせ • Jan 20Franklin Financial Services Corporation, Annual General Meeting, Apr 25, 2023Franklin Financial Services Corporation, Annual General Meeting, Apr 25, 2023.
お知らせ • Dec 22Franklin Financial Services Corporation and Farmers and Merchants Trust Company of Chambersburg Appoint Gregory I. Snook as DirectorOn December 15, 2022, the Board of Directors of Franklin Financial Services Corporation (the Corporation), appointed Gregory I. Snook as Director of the Corporation. Mr. Snook was appointed as a Class B Director with a term scheduled to expire at the annual meeting of shareholders in 2025. On December 15, 2022, the Board of Directors of Farmers and Merchants Trust Company of Chambersburg (F&M Trust, or the Bank), also appointed Mr. Snook as Director of F&M Trust.
Recent Insider Transactions • Dec 19Independent Director recently bought US$123k worth of stockOn the 14th of December, Kevin Craig bought around 4k shares on-market at roughly US$30.77 per share. This transaction amounted to 35% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$323k more in shares than they have sold in the last 12 months.
Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 6 highly experienced directors. Independent Director Kevin Craig was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 26Third quarter 2022 earnings released: EPS: US$1.05 (vs US$1.32 in 3Q 2021)Third quarter 2022 results: EPS: US$1.05 (down from US$1.32 in 3Q 2021). Revenue: US$17.7m (flat on 3Q 2021). Net income: US$4.63m (down 21% from 3Q 2021). Profit margin: 26% (down from 33% in 3Q 2021). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Oct 25Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 01 November 2022. Payment date: 28 November 2022. Payout ratio is a comfortable 35% and the cash payout ratio is 89%. Trailing yield: 4.0%. Lower than top quartile of American dividend payers (4.6%). Higher than average of industry peers (3.2%).
お知らせ • Oct 20Franklin Financial Services Corporation Declares Regular Cash Dividend for the Fourth Quarter of 2022, Payable from November 28, 2022On October 13, 2022, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the fourth quarter of 2022. This compares to a $0.32 per share regular cash dividend for the third quarter of 2022. The regular quarterly cash dividend will be paid November 28, 2022 to shareholders of record at the close of business on November 2, 2022.
Board Change • Aug 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 6 highly experienced directors. Independent Director Kevin Craig was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Upcoming Dividend • Jul 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 04 August 2022. Payment date: 24 August 2022. Payout ratio is a comfortable 35% and this is well supported by cash flows. Trailing yield: 4.0%. Lower than top quartile of American dividend payers (4.1%). Higher than average of industry peers (3.1%).
Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$0.80 (vs US$1.19 in 2Q 2021)Second quarter 2022 results: EPS: US$0.80 (down from US$1.19 in 2Q 2021). Revenue: US$16.2m (down 1.3% from 2Q 2021). Net income: US$3.58m (down 32% from 2Q 2021). Profit margin: 22% (down from 32% in 2Q 2021). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
Seeking Alpha • Jul 26Franklin Financial Services GAAP EPS of $0.80, revenue of $16.2MFranklin Financial Services press release (NASDAQ:FRAF): Q2 GAAP EPS of $0.80. Revenue of $16.2M (+5.8% Y/Y).
分析記事 • Jul 26Franklin Financial Services (NASDAQ:FRAF) Has Announced A Dividend Of $0.32The board of Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will pay a dividend on the...
お知らせ • Jul 16Franklin Financial Services Corporation Declares Cash Dividend for the Third Quarter of 2022, Payable on August 24, 2022On July 14, 2022, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular cash dividend for the third quarter of 2022. This compares to a $0.32 per share regular cash dividend for the second quarter of 2022. The regular quarterly cash dividend will be paid August 24, 2022 to shareholders of record at the close of business on August 5, 2022.
Upcoming Dividend • Apr 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 05 May 2022. Payment date: 25 May 2022. Payout ratio is a comfortable 32% and this is well supported by cash flows. Trailing yield: 3.9%. Within top quartile of American dividend payers (3.8%). Higher than average of industry peers (2.8%).
Reported Earnings • Apr 27First quarter 2022 earnings released: EPS: US$0.67 (vs US$1.10 in 1Q 2021)First quarter 2022 results: EPS: US$0.67 (down from US$1.10 in 1Q 2021). Revenue: US$14.7m (down 7.4% from 1Q 2021). Net income: US$3.01m (down 38% from 1Q 2021). Profit margin: 21% (down from 30% in 1Q 2021). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
お知らせ • Apr 27Franklin Financial Services Corporation Declares Regular Quarterly Cash Dividend for the Second Quarter of 2022, Payable May 25, 2022On April 14, 2022, the Board of Directors of Franklin Financial Services Corporation declared a $0.32 per share regular quarterly cash dividend for the second quarter of 2022 to be paid on May 25, 2022, to shareholders of record at the close of business on May 6, 2022. This compares to a $0.32 per share regular quarterly cash dividend for the fourth quarter of 2021 and $0.31 per share for the second quarter of 2021.
Reported Earnings • Mar 13Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$4.44 (up from US$2.94 in FY 2020). Revenue: US$66.3m (up 26% from FY 2020). Net income: US$19.6m (up 53% from FY 2020). Profit margin: 30% (up from 24% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.88% (down from 3.21% in FY 2020). Cost-to-income ratio: 66.1% (down from 67.3% in FY 2020). Non-performing loans: 0.74% (down from 0.87% in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Reported Earnings • Jan 27Full year 2021 earnings: Revenues in line with analyst expectationsFull year 2021 results: Revenue: US$66.3m (up 26% from FY 2020). Net income: US$19.6m (up 53% from FY 2020). Profit margin: 30% (up from 24% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Reported Earnings • Oct 28Third quarter 2021 earnings released: EPS US$1.33 (vs US$0.79 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$17.8m (up 31% from 3Q 2020). Net income: US$5.86m (up 69% from 3Q 2020). Profit margin: 33% (up from 25% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 39% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Oct 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 04 November 2021. Payment date: 24 November 2021. Trailing yield: 3.9%. Within top quartile of American dividend payers (3.5%). Higher than average of industry peers (2.2%).
分析記事 • Oct 23Franklin Financial Services (NASDAQ:FRAF) Has Announced That It Will Be Increasing Its Dividend To US$0.32Franklin Financial Services Corporation ( NASDAQ:FRAF ) will increase its dividend on the 24th of November to US$0.32...
Reported Earnings • Jul 31Second quarter 2021 earnings released: EPS US$1.19 (vs US$0.71 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$16.4m (up 40% from 2Q 2020). Net income: US$5.27m (up 72% from 2Q 2020). Profit margin: 32% (up from 26% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 53% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Jul 29Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 05 August 2021. Payment date: 25 August 2021. Trailing yield: 3.8%. Within top quartile of American dividend payers (3.5%). Higher than average of industry peers (2.4%).
分析記事 • Jul 15Franklin Financial Services (NASDAQ:FRAF) Will Pay A Larger Dividend Than Last Year At US$0.32Franklin Financial Services Corporation ( NASDAQ:FRAF ) has announced that it will be increasing its dividend on the...
お知らせ • Jun 28+ 6 more updatesFranklin Financial Services Corporation(NasdaqCM:FRAF) dropped from Russell 3000E Value IndexFranklin Financial Services Corporation(NasdaqCM:FRAF) dropped from Russell 3000E Value Index
Recent Insider Transactions • Jun 19Independent Director recently bought US$130k worth of stockOn the 16th of June, Kevin Craig bought around 4k shares on-market at roughly US$30.20 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$147k more in shares than they have sold in the last 12 months.