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Franklin Financial Services Corporation (FRAF) investor relations material
Franklin Financial Services Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $5.4 million ($1.19 per diluted share), up 26.9% year-over-year, but down 9.4% sequentially from Q2 2025.
Year-to-date net income reached $15.2 million ($3.39 per diluted share), a 43.1% increase over the same period in 2024.
Board declared a $0.33 per share quarterly dividend for Q4 2025, a 3.1% increase over Q4 2024.
Financial highlights
Net interest income for Q3 2025 was $18.2 million, up 24.2% year-over-year; year-to-date net interest income was $51.0 million, up 20.3%.
Noninterest income for Q3 2025 was $4.8 million, down 0.9% year-over-year; year-to-date noninterest income was $14.5 million, up 8.1%.
Noninterest expense for Q3 2025 was $15.1 million, up 8.8% year-over-year; year-to-date noninterest expense was $44.1 million, up 6.1%.
Total assets as of September 30, 2025 were $2.297 billion, up 4.5% from year-end 2024.
Total deposits grew 4.8% year-to-date to $1.903 billion; net loans increased 11.8% to $1.544 billion.
Outlook and guidance
Management highlights ongoing monitoring of economic and regulatory factors, with caution regarding forward-looking statements due to potential risks and uncertainties.
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Next Franklin Financial Services Corporation earnings date
Q4 202528 Jan, 2026
Next Franklin Financial Services Corporation earnings date
Q4 202528 Jan, 2026
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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.
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