profit from every $100 of sales.
$0$100
Franklin Financial Services
$69.69-0.13% today
+42.8% in 1 year
1-year low $47.321-year high $72.44
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $14.78 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Franklin Financial Services sold, what it kept, and what it did with the cash.
Sales went from $65.4 million in 2022 to $87.4 million in 2025, with $21.2 million of profit last year.
SalesProfit
Franklin Financial Services handed back 28% of the cash it generated last year.
$6M
Free cash flow 2025$25M
Bought back its own shares$1M
Paid as dividends$6M
Cash vs. debt$129M vs. $215M
Franklin Financial Services vs. similar companies
Franklin Financial Services grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Franklin Financial Services | 14.8× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Franklin Financial Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 65 | 67 | 70 | 87 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 15 | 14 | 11 | 21 | |
| 3.36 | 3.10 | 2.51 | 4.74 | |
| – | – | – | – | |
| – | – | – | – | |
| 22.8% | 20.2% | 15.9% | 24.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,700 | 1,836 | 2,198 | 2,239 |
| Cash | 79 | 29 | 205 | 129 |
| Total debt | 26 | 154 | 224 | 215 |
| Total liabilities | 1,585 | 1,704 | 2,053 | 2,064 |
| 114 | 132 | 145 | 175 | |
| 4 | 4 | 4 | 4 | |
| – | – | – | – | |
| 13.1% | 10.3% | 7.7% | 12.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 25 | 27 | 22 | 25 | |
| 12 | 0 | 3 | 1 | |
| 13 | 26 | 19 | 25 | |
| Dividends paid | 6 | 6 | 6 | 6 |
| 3 | 2 | 1 | 1 | |
| 0 | 0 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 14.8×
- 12.0×
- 1.22
- 1.4×
- 3.6×
- 6.8%
- 2.3%
Profitability
- 24.3%
- 1.0%
- 6.9%
- 14.1%
- 1.0%
Growth
- +10.2%
- +12.1%
- +1.8%
- +0.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 27%of 852
Bottom 48%of 733
Bottom 45%of 863
Top 43%of 860
Top 39%of 920
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 1.48 | 1.34 | +10.4% |
| Jan 27, 2026 | 1.35 | – | – |
| Oct 28, 2025 | 1.19 | – | – |
| Jul 22, 2025 | 1.32 | – | – |
| Apr 29, 2025 | 0.88 | – | – |
| Mar 14, 2025 | 0.11 | – | – |
| Oct 22, 2024 | 0.95 | – | – |
| Jul 23, 2024 | 0.66 | – | – |
2.3%of the share price, paid each year
On $1,000 invested$23a year at today's yield, before tax
+1.8%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$0.74 in 2015 → $1.31 in 2025
How safe it looks
27.5% of its profit
Room to growStretchedMore than it earns: 23.8%
News
Franklin Templeton CEO says AI is hiding a bigger tech storyYahoo Finance · Oct 13, 2026Franklin U.S. Mid Cap Multifactor Index ETF declares CAD 0.0599 dividendSeeking Alpha · Aug 25, 2026Franklin U.S. Large Cap Multifactor Index ETF declares CAD 0.1714 dividendSeeking Alpha · Aug 25, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
59No pass
Benjamin Graham
77Pass
Philip Fisher
68Pass
Peter Lynch
59No pass
Joel Greenblatt
15No pass
Charlie Munger
51No pass
Terry Smith
55No pass
Questions about Franklin Financial Services
Is Franklin Financial Services a good stock to buy?
A strong, very profitable business, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Franklin Financial Services AI analysis
What does Franklin Financial Services do?
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It is in Banks - Regional.
Does Franklin Financial Services pay a dividend?
Yes. At today's price the dividend is 2.3% a year, about 28% of its yearly profit. In 2025 it paid out $5.85 million in dividends.
Is Franklin Financial Services stock halal?
No. Franklin Financial Services does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Franklin Financial Services stock done over the past year?
Up 42.8% over the past twelve months, to $69.69. It traded between $47.32 and $72.44 and is 3.8% below its high.
Who are Franklin Financial Services's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Franklin Financial Services's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.