Filing Flows › Financials › Franklin Financial Services (FRAF)
Franklin Financial Services (FRAF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Franklin Financial Services (FRAF) Q3 2026 earnings results →
Q3 2026 Revenue up 2% year over year to $35.2M · 24¢ of every $1 of revenue kept as net profit · operating margin 30.2%
Franklin Financial Services made $35.2M in Q3 2026 (+2% Y/Y). Operating margin 30.2%, net earnings $8.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $35.2M in Q3 2026, up 2% year over year and up 44% from the previous quarter.
Operating profit was $10.7M, a 30.2% margin (up 10.9 points year over year). Of the extra revenue versus a year earlier, 535% reached operating profit, above the 19% margin then. Total costs fell 12% while revenue rose 2%. Net earnings were $8.5M, up 59% year over year. The effective tax rate was 19.9%.
Operating cash flow was $13.5M (up 63% year over year), 159% of net earnings. Non-cash charges added back $178K of share-based compensation. Working capital and other items added $4.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $35.2M | +2% | 30.2% | $8.5M | $13.5M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Franklin Financial Services
Franklin Financial Services Corporation (the “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 exchanged all of the shares of F&M Trust and issued its own shares of the Corporation to former F&M Trust shareholders on a one share – for - one share basis.
In its own words, from its 10-K, filed Mar 13, 2026.
Franklin Financial Services against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +8%. Operating margin: 30.2% against the peers' median 33.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FRAF Franklin Financial Services | Q3 2026 | $35.2M | +2% | 30.2% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: Franklin Financial Services 10-Q on SEC EDGAR · CIK 723646 · State Commercial Banks
Guidance and outlook
13F: who owns FRAF and who is buying
More on FRAF
History
Every quarter: Q3 2026 results