View ValuationFranklin Financial Services 향후 성장Future 기준 점검 1/6Franklin Financial Services은 연간 수입과 매출이 각각 11.2%와 8% 증가할 것으로 예상되고 EPS는 연간 10.8%만큼 증가할 것으로 예상됩니다.핵심 정보11.2%이익 성장률10.84%EPS 성장률Banks 이익 성장8.2%매출 성장률8.0%향후 자기자본이익률n/a애널리스트 커버리지Low마지막 업데이트27 Apr 2026최근 향후 성장 업데이트업데이트 없음모든 업데이트 보기Recent updatesReported 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.분석 기사 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.분석 기사 • 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.분석 기사 • 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.공시 • 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.분석 기사 • 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.분석 기사 • 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%).공시 • 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.분석 기사 • 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.분석 기사 • 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.공시 • 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.공시 • Jan 20Franklin Financial Services Corporation, Annual General Meeting, Apr 25, 2023Franklin Financial Services Corporation, Annual General Meeting, Apr 25, 2023.공시 • 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%).공시 • 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).분석 기사 • 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...공시 • 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.공시 • 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%).분석 기사 • 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%).분석 기사 • 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...공시 • 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.Reported Earnings • May 16First quarter 2021 earnings released: EPS US$1.10 (vs US$0.40 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$15.9m (up 43% from 1Q 2020). Net income: US$4.83m (up 181% from 1Q 2020). Profit margin: 30% (up from 15% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 57% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Upcoming Dividend • Apr 29Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 06 May 2021. Payment date: 26 May 2021. Trailing yield: 4.1%. Within top quartile of American dividend payers (3.5%). Higher than average of industry peers (2.2%).이익 및 매출 성장 예측NasdaqCM:FRAF - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/202710429N/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/A더 보기애널리스트 향후 성장 전망수입 대 저축률: FRAF 의 연간 예상 수익 증가율(11.2%)이 saving rate(3.5%)보다 높습니다.수익 vs 시장: FRAF 의 연간 수익(11.2%)이 US 시장(16.8%)보다 느리게 성장할 것으로 예상됩니다.고성장 수익: FRAF 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: FRAF 의 수익(연간 8%)이 US 시장(연간 11.7%)보다 느리게 성장할 것으로 예상됩니다.고성장 매출: FRAF 의 수익(연간 8%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: FRAF의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/22 11:19종가2026/05/22 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Franklin Financial Services Corporation는 1명의 분석가가 다루고 있습니다. 이 중 1명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관David BishopHovde Group, LLC
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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
분석 기사 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
분석 기사 • 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.
분석 기사 • 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.
공시 • 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.
분석 기사 • 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.
분석 기사 • 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%).
공시 • 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.
분석 기사 • 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.
분석 기사 • 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.
공시 • 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.
공시 • Jan 20Franklin Financial Services Corporation, Annual General Meeting, Apr 25, 2023Franklin Financial Services Corporation, Annual General Meeting, Apr 25, 2023.
공시 • 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%).
공시 • 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).
분석 기사 • 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...
공시 • 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.
공시 • 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%).
분석 기사 • 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%).
분석 기사 • 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...
공시 • 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.
Reported Earnings • May 16First quarter 2021 earnings released: EPS US$1.10 (vs US$0.40 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$15.9m (up 43% from 1Q 2020). Net income: US$4.83m (up 181% from 1Q 2020). Profit margin: 30% (up from 15% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 57% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Apr 29Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 06 May 2021. Payment date: 26 May 2021. Trailing yield: 4.1%. Within top quartile of American dividend payers (3.5%). Higher than average of industry peers (2.2%).