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About the company
Franklin Financial Services Corporation is a bank holding company. The Company conducts substantially all of its business through its wholly owned direct banking subsidiary, Farmers and Merchants Trust Company of Chambersburg (the Bank). The Bank acts as an independent community financial services provider and offers traditional banking and related financial services to individual, business and government customers. Through its community offices and electronic banking applications, the Bank offers a range of commercial and retail financial services, including the taking of time, savings, and demand deposits; the making of commercial, consumer and mortgage loans, and the providing of safe deposit services. The Bank also performs personal, corporate, pension and fiduciary services through its Wealth Management Department. The Bank has approximately 23 community banking locations in Franklin, Cumberland, Fulton and Huntingdon Counties, PA, and Washington County, MD.
- Revenue in USD (TTM)114.37m
- Net income in USD21.23m
- Incorporated1983
- Employees306.00
- LocationFranklin Financial Services Corp1500 Nitterhouse Drive,P.O. Box 6010CHAMBERSBURG 17201United StatesUSA
- Phone+1 (717) 264-6116
- Websitehttps://www.franklinfin.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CB Financial Services Inc | 75.94m | 4.90m | 187.76m | 159.00 | 44.33 | 1.19 | 124.26 | 4.31 | 0.8409 | 0.8409 | 8.26 | 31.28 | -- | -- | -- | -- | 0.3238 | 0.8666 | -- | -- | -- | -- | 11.26 | 23.04 | -- | -- | -- | 40.62 | -0.2522 | 9.85 | -61.07 | -- | -- | -2.64 |
| PRIME MERIDIAN HOLDING CO | 46.36m | 8.14m | 188.69m | 111.00 | 22.83 | 2.08 | 21.33 | 5.95 | 2.45 | 2.45 | 9.56 | 26.87 | -- | -- | -- | -- | 0.9229 | 1.01 | -- | -- | -- | -- | 25.65 | 28.13 | -- | -- | -- | 7.09 | 29.88 | 19.72 | -10.05 | 16.59 | -10.15 | 17.08 |
| United Security Bancshares | 60.81m | 12.29m | 193.93m | 114.00 | 15.56 | 1.39 | 18.35 | 3.60 | 0.7088 | 0.7088 | 3.11 | 7.94 | -- | -- | -- | -- | 0.999 | 1.17 | -- | -- | -- | -- | 22.82 | 29.38 | -- | -- | -- | 54.85 | 0.1004 | 12.03 | -16.88 | 6.52 | -- | 1.76 |
| Ohio Valley Banc Corp | 85.24m | 15.60m | 201.68m | 260.00 | 12.93 | 1.18 | -- | 3.02 | 3.31 | 3.31 | 14.16 | 36.14 | -- | -- | -- | -- | 1.01 | 0.9596 | -- | -- | -- | -- | 23.38 | 21.93 | -- | -- | -- | 32.02 | 12.50 | 13.04 | 41.84 | 8.75 | -- | 1.61 |
| Eagle Financial Services Inc | 99.01m | 8.21m | 207.12m | 254.00 | 29.66 | 1.10 | 40.74 | 2.98 | 1.30 | 1.30 | 13.43 | 35.14 | -- | -- | -- | -- | 0.4375 | 0.7198 | -- | -- | -- | -- | 11.82 | 18.14 | -- | -- | -- | 42.13 | 8.41 | 20.54 | -46.46 | -5.97 | -- | 8.31 |
| Muncy Columbia Financial Corp | 88.02m | 24.23m | 214.30m | 236.00 | 8.84 | 1.11 | 11.00 | 3.02 | 6.85 | 6.85 | 20.08 | 54.44 | -- | -- | -- | -- | 1.48 | 1.02 | -- | -- | -- | -- | 34.14 | 29.72 | -- | -- | -- | 38.97 | 7.68 | 28.67 | 27.35 | 21.02 | -- | 2.51 |
| Franklin Financial Services Corp | 114.37m | 21.23m | 214.89m | 306.00 | 10.23 | -- | 12.80 | 2.42 | 4.74 | 4.74 | 19.85 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 23.90 | 22.39 | -- | -- | -- | -- | 12.74 | 20.01 | 91.24 | 10.64 | -- | 1.77 |
| Chain Bridge Bancorp Inc | 55.84m | 20.24m | 229.66m | 84.00 | 11.35 | 1.36 | 15.06 | 4.18 | 3.08 | 3.08 | 8.38 | 25.79 | -- | -- | -- | -- | 1.28 | -- | -- | -- | -- | -- | 36.81 | -- | -- | -- | -- | -- | 16.16 | -- | -3.40 | -- | -- | -- |
| First Community Corp (South Carolina) | 97.05m | 19.21m | 230.49m | 272.00 | 12.15 | -- | 14.61 | 2.92 | 2.47 | 2.47 | 10.14 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 24.32 | 23.24 | -- | -- | -- | -- | 8.53 | 17.26 | 37.62 | 13.72 | -- | 5.59 |
| Meridian Corp | 166.31m | 21.84m | 237.47m | 322.00 | 10.64 | 1.20 | 86.04 | 1.87 | 1.89 | 1.89 | 11.00 | 16.75 | -- | -- | -- | -- | 0.8829 | 1.03 | -- | -- | -- | -- | 17.21 | 18.05 | -- | -- | -- | 24.02 | 6.59 | 21.56 | 33.59 | -3.75 | -- | 22.39 |
| Finwise Bancorp | -100.00bn | -100.00bn | 238.84m | 200.00 | -- | 1.24 | -- | -- | -- | -- | -- | 14.15 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| First Northern Community Bancorp | 80.91m | 21.00m | 239.34m | 187.00 | 10.97 | 1.12 | 10.51 | 3.31 | 1.33 | 1.33 | 4.58 | 13.03 | -- | -- | -- | -- | 1.09 | 0.9429 | -- | -- | -- | -- | 29.00 | 26.55 | -- | -- | -- | 0.00 | 6.11 | 9.93 | -7.05 | 6.36 | -20.14 | -- |
| Exchange Bank | 128.80m | 29.97m | 240.01m | 60.00 | 8.01 | 0.6922 | -- | 2.04 | 17.48 | 17.48 | 68.54 | 202.25 | -- | -- | -- | -- | 0.9075 | 0.8824 | -- | -- | -- | -- | 25.51 | 25.63 | -- | -- | -- | 29.32 | 3.27 | 5.26 | 25.64 | -2.32 | -- | 7.63 |
| Princeton Bancorp Inc | 130.55m | 18.61m | 241.14m | 241.00 | 13.11 | 0.8908 | 16.60 | 2.86 | 2.72 | 2.72 | 12.29 | 40.01 | -- | -- | -- | -- | 0.8051 | 1.09 | -- | -- | -- | -- | 22.08 | 27.17 | -- | -- | -- | 35.73 | 6.19 | 16.18 | 81.71 | 6.15 | -- | 26.58 |
| FB Bancorp Inc | 70.56m | -2.70m | 242.28m | 321.00 | -- | 0.796 | 826.88 | 3.46 | -0.1249 | -0.1249 | 3.74 | 17.05 | -- | -- | -- | -- | -0.2019 | -- | -- | -- | -- | -- | -3.86 | -- | -- | -- | -- | -- | 21.35 | -- | -655.81 | -- | -- | -- |
Data as of Feb 12 2026. Currency figures normalised to Franklin Financial Services Corp's reporting currency: US Dollar USD
24.80%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Fourthstone LLCas of 30 Sep 2025 | 331.59k | 7.40% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 206.46k | 4.61% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 188.75k | 4.21% |
| Geode Capital Management LLCas of 30 Sep 2025 | 97.77k | 2.18% |
| Bridgeway Capital Management LLCas of 30 Sep 2025 | 64.15k | 1.43% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 60.54k | 1.35% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 43.97k | 0.98% |
| Marshall Wace LLPas of 30 Sep 2025 | 43.58k | 0.97% |
| Logan Capital Management, Inc.as of 30 Sep 2025 | 40.55k | 0.91% |
| Empowered Funds LLCas of 30 Sep 2025 | 33.45k | 0.75% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
