Franklin Financial Services Corporation (FRAF) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 18.52M | 18.61M | 17.99M | 17.05M | 15.41M | 14.88M | 14.43M | 14.01M | 13.51M | 13.87M | 13.7M | 13.18M | 12.83M | 14.6M | 14.06M | 12.1M | 10.81M | 11.41M | 11.59M | 10.81M |
| NII Growth % | 20.15% | 25.07% | 24.73% | 21.73% | 14.12% | 7.27% | 5.32% | 6.23% | 5.29% | -4.95% | -2.57% | 8.93% | 18.71% | 27.95% | 21.26% | 11.95% | -0.31% | 3.8% | 11.69% | 4.67% |
| Net Interest Margin % | 0.81% | 0.83% | 0.78% | 0.75% | 0.68% | 0.68% | 0.67% | 0.69% | 0.67% | 0.76% | 0.75% | 0.76% | 0.75% | 0.86% | 0.76% | 0.66% | 0.61% | 0.64% | 0.67% | 0.64% |
| Interest Income | 27.77M | 29.04M | 29.48M | 28.41M | 26.87M | 26.64M | 25.83M | 24.53M | 23.76M | 21.49M | 20.14M | 18.5M | 16.57M | 16.99M | 15.04M | 12.87M | 11.53M | 12.13M | 12.3M | 11.53M |
| Interest Expense | 9.25M | 10.43M | 11.48M | 11.36M | 11.45M | 11.76M | 11.4M | 10.52M | 10.26M | 7.62M | 6.45M | 5.32M | 3.75M | 2.39M | 980K | 764K | 726K | 724K | 710K | 720K |
| Loan Loss Provision | 221K | 289K | 1.2M | 635K | 779K | 500K | 485K | 546K | 452K | 788K | 875K | 532K | 529K | 650K | 0 | 0 | 0 | -200K | 0 | -1.1M |
| Non-Interest Income | 5.36M | 4.7M | 4.66M | 4.95M | 4.41M | 171K | 4.77M | 4.22M | 3.91M | 3.8M | 3.7M | 3.23M | 2.94M | 3.25M | 3.31M | 3.74M | 3.54M | 4.25M | 4.07M | 4.17M |
| Non-Interest Income % | 16.18% | 13.93% | 13.66% | 14.83% | 14.11% | 0.64% | 15.6% | 14.67% | 14.13% | 15.01% | 15.53% | 14.88% | 15.06% | 16.08% | 18.04% | 22.52% | 23.48% | 25.95% | 24.84% | 26.57% |
| Total Revenue | 33.13M | 33.74M | 34.14M | 33.36M | 31.28M | 26.81M | 30.6M | 28.74M | 27.67M | 25.29M | 23.85M | 21.73M | 19.51M | 20.24M | 18.35M | 16.61M | 15.07M | 16.38M | 16.37M | 15.7M |
| Revenue Growth % | 5.91% | 25.83% | 11.57% | 16.06% | 13.03% | 6.04% | 28.31% | 32.26% | 41.82% | 24.91% | 29.98% | 30.87% | 29.47% | 23.55% | 12.09% | 5.75% | -2.91% | 3.75% | 12.46% | 9.83% |
| Non-Interest Expense | 15.35M | 15.54M | 14.8M | 14.04M | 14.24M | 14M | 13.61M | 14M | 12.96M | 12.83M | 11.88M | 12.34M | 11.72M | 12.83M | 11.84M | 11.67M | 10.92M | 11.64M | 8.87M | 9.78M |
| Efficiency Ratio | 46.34% | 46.07% | 43.36% | 42.1% | 45.51% | 52.22% | 44.48% | 48.7% | 46.83% | 50.75% | 49.81% | 56.78% | 60.09% | 63.39% | 64.54% | 70.27% | 72.45% | 71.06% | 54.18% | 62.29% |
| Operating Income | 8.31M | 7.48M | 6.66M | 7.32M | 4.81M | 549K | 5.1M | 3.68M | 4M | 4.05M | 4.65M | 3.54M | 3.51M | 4.37M | 5.53M | 4.17M | 3.43M | 4.22M | 6.79M | 6.3M |
| Operating Margin % | 25.07% | 22.17% | 19.5% | 21.93% | 15.38% | 2.05% | 16.68% | 12.8% | 14.47% | 16.01% | 19.49% | 16.31% | 18.01% | 21.58% | 30.12% | 25.13% | 22.73% | 25.74% | 41.48% | 40.13% |
| Operating Income Growth % | 72.63% | 1262.48% | 30.47% | 98.89% | 20.15% | -86.44% | 9.81% | 3.81% | 13.97% | -7.32% | -15.91% | -15.07% | 2.57% | 3.58% | -18.62% | -33.77% | -39.96% | -21.28% | 71.38% | 196.52% |
| Pretax Income | 8.31M | 7.48M | 6.66M | 7.32M | 4.81M | 549K | 5.1M | 3.68M | 4M | 4.05M | 4.65M | 3.54M | 3.51M | 4.37M | 5.53M | 4.17M | 3.43M | 4.22M | 6.79M | 6.3M |
| Pretax Margin % | 25.07% | 22.17% | 19.5% | 21.93% | 15.38% | 2.05% | 16.68% | 12.8% | 14.47% | 16.01% | 19.49% | 16.31% | 18.01% | 21.58% | 30.12% | 25.13% | 22.73% | 25.74% | 41.48% | 40.13% |
| Income Tax | 1.67M | 1.44M | 1.3M | 1.41M | 890K | 62K | 885K | 646K | 644K | 578K | 788K | 568K | 222K | 652K | 895K | 595K | 414K | 565K | 928K | 1.03M |
| Effective Tax Rate % | 20.1% | 19.21% | 19.59% | 19.26% | 18.5% | 11.29% | 17.34% | 17.56% | 16.08% | 14.28% | 16.96% | 16.03% | 6.32% | 14.92% | 16.2% | 14.26% | 12.08% | 13.39% | 13.67% | 16.35% |
| Net Income | 6.64M | 6.04M | 5.35M | 5.91M | 3.92M | 487K | 4.22M | 3.03M | 3.36M | 3.47M | 3.86M | 2.98M | 3.29M | 3.72M | 4.63M | 3.58M | 3.01M | 3.65M | 5.86M | 5.27M |
| Net Margin % | 20.03% | 17.91% | 15.68% | 17.71% | 12.54% | 1.82% | 13.78% | 10.55% | 12.14% | 13.73% | 16.18% | 13.69% | 16.87% | 18.36% | 25.24% | 21.55% | 19.98% | 22.3% | 35.81% | 33.57% |
| Net Income Growth % | 69.22% | 1140.86% | 26.93% | 94.79% | 16.69% | -85.97% | 9.3% | 1.92% | 2.1% | -6.62% | -16.67% | -16.83% | 9.3% | 1.75% | -21% | -32.12% | -37.64% | -19.75% | 69.32% | 71.86% |
| Net Income (Continuing) | 6.64M | 6.04M | 5.35M | 5.91M | 3.92M | 487K | 4.22M | 3.03M | 3.36M | 3.47M | 3.86M | 2.98M | 3.29M | 3.72M | 4.63M | 3.58M | 3.01M | 3.65M | 5.86M | 5.27M |
| EPS (Diluted) | 1.48 | 1.35 | 1.19 | 1.32 | 0.88 | 0.11 | 0.95 | 0.66 | 0.77 | 0.80 | 0.88 | 0.68 | 0.75 | 0.84 | 1.05 | 0.80 | 0.67 | 0.82 | 1.31 | 1.19 |
| EPS Growth % | 68.18% | 1127.27% | 25.26% | 100% | 14.29% | -86.25% | 7.95% | -2.94% | 2.67% | -4.76% | -16.19% | -15% | 11.94% | 2.44% | -19.85% | -32.77% | -38.53% | -21.15% | 65.82% | 67.61% |
| EPS (Basic) | 1.48 | 1.35 | 1.20 | 1.32 | 0.88 | 0.11 | 0.96 | 0.69 | 0.77 | 0.80 | 0.88 | 0.68 | 0.75 | 0.85 | 1.05 | 0.80 | 0.68 | 0.82 | 1.32 | 1.19 |
| Diluted Shares Outstanding | 4.5M | 4.5M | 4.5M | 4.43M | 4.43M | 4.43M | 4.44M | 4.6M | 4.39M | 4.37M | 4.37M | 4.39M | 4.42M | 4.42M | 4.42M | 4.47M | 4.47M | 4.44M | 4.47M | 4.44M |