Franklin Financial Services Corporation (FRAF) |
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Franklin Financial Services's Customers Performance
FRAF
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FRAF's Source of Revenues |
In the Q4, Franklin Financial Services Corporation's corporate clients experienced a reduction by -3.96 % in their costs of revenue, compared to a year ago, sequentially costs of revenue grew by 7.91 %. During the corresponding time, Franklin Financial Services Corporation revenue deteriorated by -2.12 % year on year, sequentially revenue grew by 2.07 %. While revenue at the Franklin Financial Services Corporation's corporate clients fell by -6.09 % year on year, sequentially revenue grew by 26.76 %.
• List of FRAF Customers
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Customers of Franklin Financial Services Corporation saw their costs of revenue decrease by -3.96 % in Q4 compare to a year ago, sequentially costs of revenue grew by 7.91 %, for the same period Franklin Financial Services Corporation revnue deteriorated by -2.12 % year on year, sequentially revenue grew by 2.07 %.
• List of FRAF Customers
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Customers Net Income grew in Q4 by |
Customers Net margin grew to |
5.26 % |
5.54 % |
Franklin Financial Services's Comment on Sales, Marketing and Customers
The Corporation conducts substantially all of its business through its subsidiary
bank, Farmers and Merchants Trust Company of Chambersburg, which serves its customer
base through twenty-two community-banking offices located in Franklin, Cumberland,
Fulton and Huntingdon Counties, Pennsylvania. These counties are considered to
be the Corporation’s primary market area. The Bank is a community-oriented
commercial bank that emphasizes customer service and convenience. As part of its
strategy, the Bank has sought to develop a variety of products and services that
meet the needs of both its retail and commercial customers. The Corporation and
the Bank are subject to the regulations of various federal and state agencies
and undergo periodic examinations by these regulatory authorities.
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Franklin Financial Services's Comment on Sales, Marketing and Customers
The Corporation conducts substantially all of its business through its subsidiary
bank, Farmers and Merchants Trust Company of Chambersburg, which serves its customer
base through twenty-two community-banking offices located in Franklin, Cumberland,
Fulton and Huntingdon Counties, Pennsylvania. These counties are considered to
be the Corporation’s primary market area. The Bank is a community-oriented
commercial bank that emphasizes customer service and convenience. As part of its
strategy, the Bank has sought to develop a variety of products and services that
meet the needs of both its retail and commercial customers. The Corporation and
the Bank are subject to the regulations of various federal and state agencies
and undergo periodic examinations by these regulatory authorities.
FRAF's vs. Customers, Data
(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)
COMPANY NAME |
MARKET CAP |
REVENUES |
INCOME |
EMPLOYEES |
Franklin Financial Services Corporation |
113.92 |
65.76 |
13.60 |
250 |
American Airlines Group Inc |
10,135.74 |
52,788.00 |
822.00 |
123,400 |
Arch Capital Group Ltd |
34,663.20 |
13,634.00 |
4,442.00 |
5,200 |
Accenture Plc |
217,109.85 |
64,573.60 |
7,038.47 |
721,000 |
American International Group Inc |
56,851.56 |
46,802.00 |
3,878.00 |
36,600 |
Apartment Investment And Management Company |
1,163.59 |
179.61 |
-209.27 |
1,693 |
Allegiant Travel Co |
1,290.86 |
2,505.37 |
150.63 |
2,411 |
Alaska Air Group Inc |
5,427.19 |
10,352.00 |
259.00 |
22,833 |
Allison Transmission Holdings Inc |
7,253.64 |
2,978.00 |
644.00 |
2,700 |
Antero Midstream Corporation |
6,658.35 |
1,054.42 |
375.18 |
1 |
Amgen Inc |
153,969.34 |
28,190.00 |
6,717.00 |
24,200 |
Alpha Metallurgical Resources Inc |
4,730.35 |
3,471.42 |
721.96 |
0 |
Amazon com Inc |
1,886,664.74 |
574,785.00 |
30,425.00 |
1,608,000 |
Autonation Inc |
7,519.50 |
26,948.90 |
1,021.10 |
24,000 |
Ardmore Shipping Corp |
678.77 |
395.98 |
116.81 |
802 |
Astec Industries Inc |
963.30 |
1,337.80 |
33.70 |
0 |
Avalonbay Communities inc |
26,008.52 |
2,767.91 |
928.44 |
2,927 |
Achari Ventures Holdings Corp I |
35.36 |
855.20 |
-2.25 |
214 |
Autozone Inc |
56,921.06 |
17,830.56 |
2,621.06 |
112,000 |
Bed Bath and Beyond Inc |
7.29 |
5,344.69 |
-3,498.80 |
60,000 |
Best Buy Co Inc |
17,887.44 |
46,298.00 |
1,419.00 |
105,000 |
Blue Dolphin Energy Company |
75.36 |
400.52 |
31.81 |
10 |
Big Lots Inc |
120.72 |
4,831.39 |
-463.63 |
36,100 |
Bp Plc |
666,894.85 |
213,032.00 |
15,880.00 |
0 |
Beazer Homes Usa Inc |
967.26 |
2,147.69 |
156.01 |
1,063 |
Caterpillar Inc |
187,309.03 |
67,060.00 |
10,332.00 |
107,700 |
Century Communities Inc |
2,990.25 |
3,727.03 |
194.24 |
510 |
Concrete Leveling Systems Inc |
7.15 |
0.00 |
-0.06 |
3 |
Columbus Mckinnon Corporation |
1,259.95 |
1,001.21 |
48.71 |
2,747 |
Costamare Inc |
1,374.74 |
793.64 |
435.12 |
6 |
Cnh Industrial N v |
16,906.85 |
24,687.00 |
2,383.00 |
69,207 |
Mr Cooper Group Inc |
5,189.04 |
1,794.00 |
500.00 |
7,200 |
Conocophillips |
153,398.00 |
56,141.00 |
10,957.00 |
9,900 |
Capital Product Partners L p |
0.00 |
299.07 |
127.58 |
1 |
Cvr Energy inc |
3,533.38 |
9,247.00 |
878.00 |
968 |
Chevron Corp |
294,105.91 |
200,949.00 |
21,411.00 |
42,595 |
Danaos Corporation |
1,481.42 |
689.51 |
1,052.84 |
1,287 |
Delta Air Lines Inc |
30,411.69 |
58,048.00 |
4,609.00 |
83,000 |
Dillard s inc |
7,497.68 |
6,878.03 |
777.53 |
40,000 |
Deere and Co |
115,009.25 |
60,784.00 |
9,946.00 |
82,200 |
Dollar General Corporation |
33,150.67 |
38,691.02 |
1,661.27 |
163,000 |
D r Horton Inc |
54,400.19 |
35,928.60 |
4,782.60 |
13,237 |
Delek Us Holdings Inc |
2,016.96 |
16,917.40 |
46.70 |
1,326 |
Dynagas Lng Partners Lp |
99.93 |
131.66 |
42.45 |
1 |
Now Inc |
1,621.08 |
2,313.00 |
133.00 |
4,500 |
Dorman Products Inc |
3,071.64 |
1,929.42 |
129.26 |
1,846 |
Dover Corporation |
24,905.73 |
8,437.63 |
2,326.83 |
25,000 |
Davita Inc |
12,754.25 |
12,140.15 |
956.98 |
69,000 |
Devon Energy Corp |
31,696.20 |
15,412.00 |
3,825.00 |
1,600 |
Dycom Industries Inc |
4,213.51 |
3,458.47 |
126.68 |
11,159 |
Emerson Electric Co |
65,040.89 |
15,837.00 |
11,006.00 |
85,500 |
Empire Petroleum Corporation |
107.50 |
37.42 |
-9.96 |
0 |
Equity Residential |
24,486.83 |
2,846.17 |
711.57 |
2,400 |
Essent Group Ltd |
6,169.98 |
1,109.76 |
696.39 |
366 |
Expeditors International Of Washington Inc |
17,943.64 |
10,463.87 |
807.37 |
19,070 |
Fresenius Medical Care Ag |
5,548.45 |
21,788.05 |
820.35 |
1,254 |
Frontline Plc |
0.00 |
749.38 |
475.54 |
118 |
Stealthgas Inc |
225.11 |
152.76 |
34.25 |
758 |
Genesis Energy Lp |
1,336.25 |
3,177.00 |
146.35 |
1,200 |
Gencor Industries Inc |
232.16 |
104.75 |
15.52 |
216 |
Golar Lng Limited |
2,304.53 |
451.90 |
560.62 |
30 |
Gaming And Leisure Properties inc |
11,981.80 |
1,440.39 |
755.37 |
940 |
Genworth Financial Inc |
2,876.16 |
7,488.00 |
139.00 |
5,300 |
Golden Ocean Group Limited |
2,514.00 |
885.77 |
112.27 |
25 |
Genuine Parts Co |
21,910.67 |
22,879.05 |
1,212.79 |
52,000 |
Green Brick Partners Inc |
2,682.95 |
1,758.42 |
287.48 |
0 |
Global Ship Lease Inc |
720.37 |
674.80 |
304.50 |
8 |
Greenland Technologies Holding Corporation |
28.55 |
86.64 |
6.72 |
328 |
Granite Construction Incorporated |
2,552.11 |
3,508.40 |
29.59 |
1,800 |
W w Grainger Inc |
51,501.27 |
16,478.00 |
1,903.00 |
24,200 |
Hawaiian Holdings inc |
686.05 |
2,716.28 |
-260.49 |
5,380 |
Home Depot Inc |
386,732.78 |
152,669.00 |
15,143.00 |
490,600 |
Hess Corporation |
46,338.55 |
10,511.00 |
1,738.00 |
1,545 |
Hollyfrontier Corp |
5,921.49 |
18,389.14 |
663.25 |
4,074 |
Heartland Media Acquisition Corp |
202.86 |
0.00 |
4.01 |
0 |
Hovnanian Enterprises Inc |
993.03 |
2,463.18 |
132.53 |
0 |
Icahn Enterprises l p |
6,539.20 |
15,395.00 |
390.00 |
14,258 |
Imperial Oil Limited |
39,503.58 |
39,042.25 |
3,744.97 |
5,600 |
Jacobs Solutions Inc |
18,837.02 |
16,713.14 |
754.44 |
60,000 |
Jetblue Airways Corp |
2,443.33 |
9,615.00 |
-310.00 |
15,500 |
Kb Home |
5,839.65 |
6,410.63 |
590.18 |
1,590 |
Carmax Inc |
13,812.34 |
26,631.93 |
497.95 |
32,647 |
The Kroger Co |
41,252.50 |
147,797.00 |
1,881.00 |
420,000 |
Kohl s Corp |
3,165.96 |
17,539.00 |
-142.00 |
137,000 |
Lennar Corp |
48,334.97 |
34,233.37 |
3,961.29 |
9,495 |
Lgi Homes Inc |
2,665.67 |
2,358.58 |
199.23 |
390 |
Lowes Companies Inc |
148,274.82 |
86,377.00 |
7,726.00 |
340,000 |
Dorian Lpg Ltd |
1,499.18 |
552.96 |
304.23 |
50 |
Latam Airlines Group S a |
1,938.84 |
11,640.54 |
581.55 |
0 |
Southwest Airlines Co |
17,908.62 |
26,091.00 |
465.00 |
55,100 |
Lyondellbasell Industries N v |
33,801.39 |
39,063.00 |
1,902.00 |
19,100 |
Macys Inc |
5,484.87 |
23,866.00 |
105.00 |
166,900 |
Matson inc |
3,886.23 |
3,094.60 |
297.10 |
1,056 |
Mbia Inc |
317.79 |
95.00 |
-407.00 |
252 |
M d c Holdings Inc |
4,762.79 |
4,520.11 |
401.01 |
0 |
Mi Homes Inc |
3,667.23 |
4,033.50 |
465.37 |
1,008 |
Ag Mortgage Investment Trust Inc |
128.05 |
121.24 |
53.78 |
380 |
Modivcare Inc |
339.49 |
2,756.21 |
-204.46 |
0 |
Motorcar Parts Of America Inc |
157.86 |
721.49 |
-49.12 |
2,663 |
Marathon Petroleum Corporation |
80,705.04 |
148,379.00 |
11,172.00 |
17,700 |
Marathon Oil Corporation |
16,820.84 |
6,697.00 |
1,554.00 |
1,531 |
Mgic Investment Corp |
6,336.37 |
1,155.10 |
712.95 |
800 |
Meritage Homes Corporation |
6,185.02 |
1,518.56 |
738.75 |
1,409 |
The Manitowoc Company Inc |
501.74 |
2,252.70 |
-97.00 |
12,300 |
Mastec Inc |
7,184.12 |
11,724.21 |
-45.12 |
15,900 |
Murphy Oil Corporation |
7,071.78 |
3,460.15 |
723.68 |
1,712 |
Myr Group Inc |
2,813.78 |
3,643.40 |
90.99 |
3,650 |
Nordic American Tankers Ltd |
779.85 |
339.34 |
15.10 |
21 |
Nmi Holdings Inc |
2,622.18 |
579.00 |
322.11 |
243 |
Nobility Homes Inc |
109.02 |
64.82 |
11.32 |
129 |
Navigator Holdings Ltd |
1,137.76 |
550.74 |
86.87 |
37 |
Nvr Inc |
27,018.67 |
9,518.20 |
1,591.61 |
6,600 |
New Home Co Inc |
165.83 |
497.10 |
5.23 |
234 |
Oneok Inc |
38,608.91 |
17,677.00 |
2,659.00 |
2,847 |
O Reilly Automotive Inc |
69,264.09 |
15,811.80 |
2,346.58 |
83,636 |
Occidental Petroleum Corporation |
77,303.38 |
28,257.00 |
5,619.00 |
11,678 |
Pbf Energy Inc |
7,170.42 |
38,324.80 |
2,162.00 |
3,165 |
Processa Pharmaceuticals Inc |
58.45 |
0.00 |
-25.67 |
0 |
Pdc Energy Inc |
6,524.40 |
4,220.27 |
1,850.54 |
395 |
Pinnacle West Capital Corporation |
8,419.56 |
4,695.99 |
518.78 |
91 |
Primoris Services Corporation |
2,230.55 |
5,714.49 |
126.15 |
6,757 |
Performance Shipping Inc |
12.12 |
75.17 |
13.03 |
0 |
Phillips 66 |
72,035.17 |
147,399.00 |
7,239.00 |
14,000 |
Ryder System Inc |
5,516.11 |
11,783.00 |
406.00 |
30,600 |
Reading International Inc |
39.42 |
224.63 |
-32.12 |
194 |
Radian Group Inc |
5,189.70 |
1,240.59 |
603.12 |
1,881 |
Riley Exploration Permian Inc |
626.95 |
375.05 |
111.59 |
0 |
Gibraltar Industries Inc |
2,480.37 |
1,377.74 |
110.53 |
2,311 |
Ross Stores Inc |
49,494.26 |
19,545.95 |
1,711.88 |
100,000 |
Regal Rexnord Corporation |
11,840.23 |
6,250.30 |
-54.30 |
0 |
Spirit Airlines Inc |
506.40 |
5,362.55 |
-447.46 |
4,219 |
Seapeak Llc |
0.00 |
726.79 |
317.72 |
0 |
Sfl Corporation Ltd |
1,655.72 |
752.29 |
83.94 |
7 |
Singularity Future Technology Ltd |
83.72 |
3.68 |
-20.12 |
0 |
Skywest Inc |
3,045.29 |
2,935.43 |
34.34 |
9,642 |
Standard Motor Products Inc |
725.31 |
1,357.83 |
34.35 |
3,400 |
Simon Property Group inc |
57,776.84 |
5,658.84 |
2,617.02 |
3,300 |
Sunoco Lp |
6,444.56 |
23,068.00 |
824.00 |
22,500 |
Southwestern Energy Company |
8,292.96 |
6,522.00 |
1,557.00 |
2,781 |
Terex Corp |
4,409.15 |
5,151.50 |
518.00 |
20,400 |
Target Corporation |
80,848.37 |
107,412.00 |
4,138.00 |
450,000 |
Tenet Healthcare Corp |
11,221.64 |
20,548.00 |
1,311.00 |
108,000 |
Gentherm Incorporated |
1,888.19 |
1,444.48 |
18.05 |
10,098 |
Teekay Corporation |
696.81 |
1,464.98 |
517.42 |
6,800 |
Taylor Morrison Home Corp |
6,656.13 |
7,901.79 |
871.98 |
113 |
Teekay Tankers Ltd |
1,981.10 |
1,364.45 |
513.67 |
1,239 |
Tsakos Energy Navigation Limited |
721.90 |
860.40 |
208.47 |
1 |
Toll Brothers Inc |
13,974.92 |
9,994.94 |
1,372.07 |
3,900 |
Top Ships Inc |
41.48 |
56.37 |
8.62 |
1 |
Tri Pointe Homes Inc |
3,666.15 |
4,167.88 |
349.20 |
1,036 |
Tempur Sealy International Inc |
9,951.09 |
4,924.70 |
370.70 |
7,200 |
Truecar inc |
296.79 |
158.71 |
-49.77 |
686 |
United Airlines Holdings Inc |
15,705.23 |
52,491.00 |
2,861.00 |
84,100 |
Valero Energy Corp |
59,494.44 |
144,766.00 |
9,149.00 |
9,813 |
Vanjia Corporation |
165.60 |
0.02 |
0.07 |
1 |
Vornado Realty Trust |
5,301.47 |
1,816.22 |
-391.50 |
4,008 |
Vital Energy inc |
1,030.10 |
1,547.60 |
695.08 |
0 |
Walmart Inc |
493,103.62 |
611,289.00 |
11,292.00 |
2,300,000 |
Exxon Mobil Corporation |
465,699.63 |
344,582.00 |
37,354.00 |
63,000 |
SUBTOTAL |
6,989,652.36 |
4,429,978.08 |
330,187.90 |
9,044,314 |
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