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Franklin Financial Services Corporation

Franklin Financial Services Corporation

NASDAQ•FRAF
CEO: Mr. Timothy G. Henry
セクター: Financial Services
業種: Banks - Regional
上場日: 1994-04-06
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 businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; and offers safe deposit, pension, and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
連絡先情報
1500 Nitterhouse Drive, PO Box 6010, Chambersburg, PA, 17201-0819, United States
717-264-6116
www.franklinfin.com
時価総額
$222.21M
PER (TTM)
10.5
14.8
配当利回り
2.7%
52週高値
$59.95
52週安値
$32.39
52週レンジ
62%
順位45Top 56.8%
3.6
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.6 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$33.74M+25.83%
直近4四半期の推移

EPS

$1.35+0.00%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Nine Month Net Income Jumps Net income reached $15.18M for nine months, a 43% increase year-over-year, boosting ROAE to 13.31%.
Strong NIM Expansion Noted Net Interest Margin improved significantly to 3.20% for nine months, up 25 basis points from prior year.
Loan Portfolio Growth Continues Net loans grew 11.8% to $1.544B, supported by total deposits reaching $1.903B as of September 30, 2025.
Capital Ratios Remain Solid Common Equity Tier 1 ratio stood at 11.05%, maintaining strong buffers above regulatory minimum requirements.

リスク要因

Asset Quality Deterioration Nonaccrual loans ratio slightly increased to 0.88% of gross loans, signaling minor credit quality pressure.
Rising Credit Provisioning Costs Provision for credit losses increased 32% to $2.61M for nine months, reflecting higher expected credit costs.
Securities Portfolio Unrealized Loss Available For Sale securities hold $30.932M in unrealized losses as of September 30, 2025, impacting AOCI.
Insider Loan Monitoring Required Outstanding loans of $4.7M to a related party Director require close attention due to potential weaknesses.

見通し

Quarterly Dividend Increased Board declared $0.33 per share dividend, representing a 3.1% increase over the fourth quarter of 2024.
Regulatory Adaptation Underway The Corporation is preparing for upcoming changes related to income tax disclosures and codification updates.
Economic Uncertainty Remains Management highlights inflation, interest rates, and regional economic stress as factors potentially impacting performance.
Fee Income Diversification Focus Wealth Management fees showed strong growth, indicating continued focus on non-interest revenue streams.

同業比較

売上高 (TTM)

First Internet BancorpINBK
$318.00M
-4.6%
OP BancorpOPBK
$166.66M
+8.2%
First Savings Financial Group, Inc.FSFG
$146.33M
+8.9%

粗利益率 (最新四半期)

Chain Bridge Bancorp, Inc.CBNA
91.8%
+0.4pp
First National CorporationFXNC
75.9%
+17.4pp
LCNB Corp.LCNB
72.6%
+10.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
FXNC$249.15M14.110.0%2.1%
LCNB$246.28M10.68.7%5.3%
NKSH$241.53M15.39.0%0.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.6%
緩やかな成長
4四半期純利益CAGR
15.5%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月27日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月10日|
    売上高: $34.14M+11.6%
    |
    EPS: $1.20+25.0%
    不明

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月14日|
    売上高: $33.36M+16.1%
    |
    EPS: $1.32+91.3%
    不明

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月15日|
    売上高: $31.28M+13.0%
    |
    EPS: $0.88+14.3%
    不明

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月14日|
    売上高: $113.83M+25.9%
    |
    EPS: $2.51-19.3%
    不明

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月14日|
    売上高: $30.60M+28.3%
    |
    EPS: $0.96+9.1%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $28.74M+32.3%
    |
    EPS: $0.69+1.5%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月8日|
    売上高: $27.67M+41.8%
    |
    EPS: $0.77+2.7%
    不明

  • Form 10-K/A - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月12日|
    売上高: $90.38M+28.6%
    |
    EPS: $3.11-8.0%
    不明