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Franklin Financial Services
Franklin Financial Services (FRAF) investor relations material
Franklin Financial Services Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Net income for Q4 2025 was $6.0 million ($1.35 per diluted share), up 12.9% from Q3 2025 and significantly higher than Q4 2024, which was impacted by a $3.4 million after-tax securities loss.
Full-year 2025 net income reached $21.2 million ($4.74 per diluted share), a 91.2% increase year-over-year, with 2024 results affected by the securities portfolio restructuring loss.
The Board declared a $0.33 per share regular quarterly dividend for Q1 2026, a 3.1% increase over Q1 2025.
Financial highlights
Net interest income for Q4 2025 was $18.6 million, up 23.3% year-over-year; full-year net interest income was $69.6 million, up 21.1%.
Noninterest income for Q4 2025 was $4.7 million; for the year, it was $19.2 million, up 40.2% from 2024.
Noninterest expense for Q4 2025 was $15.5 million, up 8.4% year-over-year; full-year noninterest expense was $59.7 million, up 6.7%.
Total assets at year-end 2025 were $2.239 billion, up 1.9% from year-end 2024.
Net loans grew 11.6% year-over-year to $1.541 billion; deposits increased 1.1% to $1.836 billion.
Outlook and guidance
Management notes that forward-looking statements are subject to risks including interest rate changes, inflation, economic conditions, and regulatory changes.
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Next Franklin Financial Services earnings date
Q1 202628 Apr, 2026
Franklin Financial Services
Next Franklin Financial Services earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Franklin Financial Services Corporation is a bank holding company that operates through its subsidiary, Farmers and Merchants Trust Company of Chambersburg (F&M Trust). The company provides a wide range of commercial and retail banking services, including various deposit accounts, commercial real estate loans, residential mortgages, and consumer loans. It also offers trust and investment services, such as estate planning, pension management, and custodial services. Additionally, Franklin Financial Services is involved in non-bank investment activities, including venture capital investments. Franklin Financial Services Corporation is headquartered in Chambersburg, Pennsylvania, and its shares are listed on the NASDAQ.
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