Franklin Financial Services (FRAF) Q4 2025 earnings summary

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.