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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Franklin Financial Services
Franklin Financial Services (FRAF) investor relations material
Franklin Financial Services Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
Q3 2026 net income was $8.535M, up 59.4% YoY; diluted EPS was $1.89. 9M net income rose 43.5% to $21.8M, with diluted EPS of $4.84.
Growth in net interest and fee income and lower quarterly expenses supported earnings; nonaccrual CRE loans and related unfunded commitment reserves remain credit concerns.
Priorities include a low-cost deposit franchise, wealth management growth, asset quality, and improved profitability.
Financial highlights
Q3 net interest income was $20.2M, up 11.0% YoY; 9M net interest income was $58.1M, up 13.8%.
Q3 noninterest income rose 13.0% to $5.4M and noninterest expense fell 5.0% to $14.4M; 9M noninterest income rose 10.2% to $15.9M.
Total assets reached $2.365B, up 5.6% from year-end 2025; net loans rose 4.1% to $1.603B and deposits rose 6.6% to $1.957B.
Q3 total provision for credit losses was $579,000, including an $867,000 loan provision reversal and $1.446M provision for unfunded commitments.
Outlook and guidance
Management views the diverse local economy as well suited for growth and expects to meet anticipated liquidity demands.
A $200M FHLB borrowing matures January 12, 2027; repayment or restructuring will be considered closer to maturity.
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Latest events from Franklin Financial Services
- Q2 2026 net income up 11.9% year-over-year, with strong growth in loans, deposits, and efficiency.FRAF
Q2 2026 - Record earnings, growth initiatives, and all shareholder proposals approved.FRAFAGM 2026
- Net income surged 69% year-over-year, with improved margins and a 3% dividend increase.FRAFQ1 2026
- Virtual meeting to elect directors, approve pay, and ratify auditor, with focus on governance.FRAFProxy filing
- Net income surged 91.2% in 2025, with strong loan growth and improved profitability.FRAFQ4 2025
- Virtual annual meeting to vote on directors, pay, stock plan, and auditor ratification.FRAFProxy Filing
- Q3 2025 net income up 26.9% year-over-year, with strong loan growth and higher NIM.FRAFQ3 2025
- Q2 2025 net income surged 94.8% year-over-year, with robust loan and deposit growth.FRAFQ2 2025
- Q3 net income up 39% sequentially; strong growth; Q4 to reflect $3.4M after-tax loss.FRAFQ3 2024
Next Franklin Financial Services earnings date
Q4 202628 Jan, 2027
Franklin Financial Services
Next Franklin Financial Services earnings date
Q4 202628 Jan, 2027
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Frequently asked questions
Franklin Financial Services Corporation is a bank holding company that operates through its subsidiary, Farmers and Merchants Trust Company of Chambersburg (F&M Trust). The company provides a wide range of commercial and retail banking services, including various deposit accounts, commercial real estate loans, residential mortgages, and consumer loans. It also offers trust and investment services, such as estate planning, pension management, and custodial services. Additionally, Franklin Financial Services is involved in non-bank investment activities, including venture capital investments. Franklin Financial Services Corporation is headquartered in Chambersburg, Pennsylvania, and its shares are listed on the NASDAQ.