State Ledger
Company profile

FRANKLIN FINANCIAL SERVICES CORP /PA/ CIK 723646

Ticker
FRAF (Nasdaq)
Industry
State Commercial Banks
Headquarters
Chambersburg, PA 17201-0819
Fiscal year end
2025 (FY)
Market Data
Close
$62.66
Change
-$0.69
Change %
-1.09%
Volume
2,571

FRAF · trading date Oct 9, 2026 · previous close $63.35 · source: Alpaca (IEX feed, not consolidated full-market data).

Key Financials
Revenue
—
Net income
$21.23M
Total assets
$2.24B
Total liabilities
$2.06B
Stockholders' equity
$175.24M
Cash & equivalents
$127.72M
Operating income
—
Operating cash flow
$25.44M
Capital expenditures
—

Fiscal year 2025, via 10-K filed 2026-03-13. A dash means this figure wasn't reported in the source filing under a field State Ledger recognizes - not that the value is zero.

Financial Performance
Operating margin
—
Net margin
—
Free cash flow
—
Free cash flow margin
—
Liabilities / assets
92.2%
Equity / assets
7.8%
CapEx / revenue
—
Operating cash flow / net income
1.20×

Derived from the fiscal year 2025 figures above. These metrics are mathematical calculations and do not represent a rating or assessment of the company.

Financial History
Fiscal yearRevenueNet incomeAssetsLiabilitiesEquity
2025 — $21.23M $2.24B $2.06B $175.24M
2024 — $11.10M $2.20B $2.05B $144.72M
2023 — $13.60M $1.84B $1.70B $132.14M
2022 — $14.94M $1.70B $1.59B $114.20M
2021 — $19.62M $1.77B $1.62B $157.07M
Company Details
SIC code
6022
State of incorporation
PA
Active filer
Yes
Most recent SEC filing
Form 4
2026-08-27
Financials filed via
Form 10-K
filed 2026-03-13

"Most recent SEC filing" may differ from the filing used for the financial figures above.

Location
Chambersburg, PA 17201-0819
20 S MAIN ST
Data & Methodology

SEC EDGAR submissions API (identity, collected Sep 19, 2026, 15:11 UTC) and SEC XBRL Company Facts API (financials, collected Sep 26, 2026, 15:51 UTC) · figures as originally filed, not restated · a dash always means a value wasn't reported, never a real zero.

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