FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	136.2M	133.5M	113.8M	90.4M	70.3M
Cost of Revenue	41.6M	47.6M	45.9M	25.8M	5.5M
Gross Profit	94.6M	85.9M	67.9M	64.5M	64.8M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	31.6M	1.7M	36.4M	31.7M	30.7M
General & Admin Expense	39.6M	—	34.5M	29.7M	28.8M
Selling & Marketing Expense	1.6M	1.7M	1.9M	2.1M	1.9M
Other Expenses	28.3M	57.9M	18.2M	17.0M	16.5M
Total Operating Expenses	59.9M	59.7M	54.6M	48.8M	47.3M
Cost and Expenses	101.5M	107.3M	100.5M	74.6M	52.8M
Operating Income (EBIT)	34.7M	26.3M	13.3M	15.8M	17.5M
Non-Operating
Interest Income	115.5M	114.4M	100.8M	76.7M	56.4M
Interest Expense	38.9M	44.7M	43.9M	23.1M	4.9M
Net Interest Income	76.7M	69.6M	56.8M	53.6M	51.6M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	34.7M	26.3M	13.3M	15.8M	17.5M
Income Tax Expense	6.9M	5.0M	2.2M	2.2M	2.6M
Bottom Line
Net Income	27.8M	21.2M	11.1M	13.6M	14.9M
Earnings from Cont. Ops	27.8M	21.2M	11.1M	13.6M	14.9M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	27.8M	21.2M	11.1M	13.6M	14.9M
Per Share
Basic EPS	$6.20	$4.74	$2.51	$3.11	$3.38
Diluted EPS	$6.20	$4.74	$2.51	$3.10	$3.36
Revenue Per Share	$30.28	$29.69	$25.79	$20.66	$15.89
Shares
Basic Shares Outstanding	4.5M	4.5M	4.4M	4.4M	4.4M
Diluted Shares Outstanding	4.5M	4.5M	4.4M	4.4M	4.4M
Profitability Metrics
EBITDA	36.3M	28.4M	15.4M	17.8M	18.9M
D&A	1.6M	2.1M	2.1M	2.0M	1.4M
EBIT	34.7M	26.3M	13.3M	15.8M	17.5M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026