Franklin Financial Services Corporation  (FRAF)
Other Ticker:  
    Sector  Financial    Industry Commercial Banks
   Industry Commercial Banks
   Sector  Financial
Price: $31.5600 $0.06 0.190%
Day's High: $31.83 Week Perf: -0.41 %
Day's Low: $ 31.38 30 Day Perf: -1.31 %
Volume (M): 4 52 Wk High: $ 35.00
Volume (M$): $ 123 52 Wk Avg: $32.28
Open: $31.38 52 Wk Low: $28.05

 Market Capitalization (Millions $) 141
 Shares Outstanding (Millions) 4
 Employees 250
 Revenues (TTM) (Millions $) 65
 Net Income (TTM) (Millions $) 16
 Cash Flow (TTM) (Millions $) 100
 Capital Exp. (TTM) (Millions $) 17

Franklin Financial Services Corporation

Franklin Financial Services Corporation was organized as a Pennsylvania business corporation on June 1, 1983 and is a registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHCA”). On January 16, 1984, pursuant to a plan of reorganization approved by the shareholders of Farmers and Merchants Trust Company of Chambersburg (“F&M Trust” or “the Bank”) and the appropriate regulatory agencies, the Corporation acquired all the shares of F&M Trust and issued its own shares to former F&M Trust shareholders on a share-for-share basis.

The Corporation’s common stock is thinly traded in the over-the-counter market. The Corporation’s stock is listed under the symbol “FRAF” www.otcmarkets.com/stock/FRAF/quote) on the OTCQX Market Tier of the OTC Markets. The Corporation’s Internet address is www.franklinfin.com. Electronic copies of the Corporation’s 2015

The Corporation conducts substantially all of its business through its direct banking subsidiary, F&M Trust, which is wholly owned. F&M Trust, established in 1906, is a full-service, Pennsylvania-chartered commercial bank and trust company, which is not a member of the Federal Reserve System. F&M Trust operates twenty-two community banking offices in Franklin, Cumberland, Fulton and Huntingdon Counties, Pennsylvania. The Bank engages in general commercial, retail banking and trust services normally associated with community banks and its deposits are insured (up to applicable limits) by the Federal Deposit Insurance Corporation (the “FDIC”). F&M Trust offers a wide variety of banking services to businesses, individuals, and governmental entities. These services include, but are not necessarily limited to, accepting and maintaining checking, savings, and time deposit accounts, providing investment and trust services, making loans and providing safe deposit facilities. Franklin Future Fund Inc., a direct subsidiary of the Corporation, is a non-bank investment company that makes venture capital investments within the Corporation’s primary market area. Franklin Financial Properties Corp. is a “qualified real estate subsidiary”, a wholly owned subsidiary of F&M Trust and was established to hold real estate assets used by F&M Trust in its banking operations.

F&M Trust is not dependent upon a single customer or a few customers for a material part of its business. Thus, the loss of any customer or identifiable group of customers would not materially affect the business of the Corporation or the Bank in an adverse manner. Also, none of the Bank’s business is seasonal. The Bank’s lending activities consist primarily of commercial real estate, construction and land development, agricultural, commercial and industrial loans, installment and revolving loans to consumers and residential mortgage loans. Secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing, are made to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations.

The Bank classifies loans in this report by the type of collateral, primarily residential or commercial and agricultural real estate. Loans secured by residential real estate loans may be further broken down into consumer or commercial purpose. Consumer purpose residential real estate loans represent traditional residential mortgages and home equity products. Both of these products are underwritten in generally the same manner; however, home equity products may present greater risk since many of these loans are secured by a second lien position where the Bank may or may not hold the first lien position. Commercial purpose residential real estate loans represent loans made to businesses, but are secured by residential real estate. These loans are underwritten as commercial loans and the repayment ability may be dependent on the business operation, despite the residential collateral. In addition to the real estate collateral, it is possible that personal guarantees or UCC filings on business assets provide additional security. In certain situations, the Bank acquires properties through foreclosure on delinquent loans. The Bank initially records these properties at the estimated fair value less cost to sell with subsequent adjustments to fair value recorded as needed.

Commercial and agricultural real estate loans are secured by properties such as hotels, office buildings, apartment buildings, retail sites, and farmland or agricultural related properties. These loans are highly dependent on the business operations for repayment. Compared to residential real estate, this collateral may be more difficult to sell in the event of a delinquency.

Construction loans are made to finance the purchase of land and the construction of residential and commercial buildings, and are secured by mortgages on real estate. These loans are primarily comprised of loans to consumers to build a home, and loans to contractors and developers to construct residential properties for resale or rental. Construction loans present various risks that include, but are not limited to: schedule delays, cost overruns, changes in economic conditions during the construction period, and the inability to sell or rent the property upon completion.

Commercial loans are made to businesses and government municipalities of various sizes for a variety of purposes including operations, property, plant and equipment, and working capital. These loans are highly dependent on the business operations for repayment and are generally secured by business assets and personal guarantees. As such, this collateral may be more difficult to sell in the event of a delinquency. Commercial lending, including commercial real estate, is concentrated in the Bank’s primary market, but also includes purchased loan participations originated primarily in south-central Pennsylvania.

Consumer loans are comprised of installment and unsecured personal lines of credit. While some of these loans are secured, the collateral behind the loans is often comprised of assets that lose value quickly (e.g. automobiles) and if repossessed, may not fully satisfy the loan in the event of default. Repayment of these loans is highly dependent on the borrowers’ financial condition that can be affected by economic factors beyond their control and personal circumstances.

F&M Trust’s Investment and Trust Services Department offers all of the personal and corporate trust services normally associated with trust departments including: estate planning and administration, corporate and personal trust fund management, pension, profit sharing and other employee benefit funds management, and custodial services. F&M Trust through licensed members of its Investment and Trust Services Department sells mutual funds, annuities and selected insurance products.

   Company Address: 20 South Main Street Chambersburg 17201 PA
   Company Phone Number: 264-6116   Stock Exchange / Ticker: NASDAQ FRAF
   FRAF is expected to report next financial results on November 07, 2022.

Customers Net Income grew by FRAF's Customers Net Profit Margin grew to

94.14 %

11.14 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


Stock Performances by Major Competitors

Year to Date Decrease / Increase
ABTX   -5.45%    
CBSH   -4.74%    
CFR        2.54% 
NBHC   -16.43%    
PB   -8.24%    
WSFS   -11.74%    
BAC   -34.6%    
C   -33.96%    
COF   -37.87%    
GE   -35.67%    
• View Complete Report

Delek Logistics Partners Lp

Significant EPS Decline, Sales very Strong

Delek Logistics Partners Lp announced earnings per share of $0.74 and Sales of $413.16 millions in the second quarter of 2021 earnings season, Company's income dropped by -26 % per share, versus $1.00 eps, earned in the same quarter a year ago, although Delek Logistics Partners Lp saw its Sales rise by 58.33% in the same period.

Healthcare Integrated Technologies Inc.

Healthcare Integrated Technologies Inc disclosed top-line remained unaltered in the financial time-frame ending Jul 31 2022

In the financial time-frame ending Jul 31 2022 Healthcare Integrated Technologies Inc reached break-even of $0.00 per share compared to $-0.02 a year ago and from $-0.01 per share from the previous quarter.

Merion Inc.

announced fiscal time-frame ending Jun 30 2022 operating loss of $-0.384917 millions

In the fiscal time-frame ending Jun 30 2022 reached break-even of $0.00 per share compared to $-0.01 a year ago and from $0.00 per share from the previous quarter.

Chase General Corp

Chase General Corp reported financial fourth quarter of 2022 operating income of $0.022239 millions

Despite very strong Sales growth of 102.28% year on year to $0.86 millions in the financial fourth quarter of 2022, company faced turn a round at $0.01.

Legacy Housing Corporation

Strong, Stronger, LEGH

Legacy Housing Corporation reported very strong results in the most recent fiscal period, where Sales increased by 32.15% to $64.21 millions and profits soared by 35.29 % to $0.69 per share, year on year.


Franklin Financial Services's Segments
• View Complete Report


Advance Monthly Sales

Consumer Price Index CPI

Producer Price Index PPI

Retail Inventories

Personal Income

Gross Domestic Product GDP

Money Supply

Industrial Production


Employment Situation

US International Trade

Factory Orders

Durable Goods

Construction Spending

Housing Starts

Vehicle Unit Sales


Event Calendar

SNAX's Profile

Stock Price

SNAX's Financials

Business Description


Charts & Quotes

SNAX's News


SNAX's Competitors

Customers & Markets

Economic Indicators

SNAX's Growth

Company Segments


Stock Performance

Growth Rates




Financial Strength


Largest Companies

Management Effectivness


At a Glance


Growth Rates



Financial Strength


At a Glance



Sectors & Industries






About us


Financial Terms

Technical Analysis

Fundamental Analysis

Energy Terms

Manufacturing Terms

Transportation Terms

Health Care

Insurance Terms

Economy Terms

Hotel & Leisure Terms

CSIMarket Company, Sector, Industry, Market Analysis, Stock Quotes, Earnings, Economy, News and Research.    Copyright © 2022 CSIMarket, Inc. All rights reserved. This site uses cookies to make your browsing experince better. By using this site, you agree to the Terms of Service and Privacy Policy - UPDATED (Read about our Privacy Policy)

Intraday data delayed per exchange requirements. All quotes are in local exchange time. Intraday data delayed 15 minutes for Nasdaq, and other exchanges. Fundamental and financial data for Stocks, Sector, Industry, and Economic Indicators provided by CSIMarket.com
CSIMarket.com 1500 N. University Drive, Coral Springs, FL 33071