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Franklin Financial Services cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$13.5M in Q3 2026 · $47.5M over twelve months

Operating cash flow$13.5M
Free cash flow+$13.5M
Cash / net income1.6×

Analysis

In Q3 2026, Franklin Financial Services generated $13.5M of operating cash flow. That is $5.2M more than in Q3 2025 ($8.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $47.5M; the largest uses were other investing ($100M), buybacks ($1.4M); besides operations, cash came from other financing ($49.6M), shares issued ($151K); the cash balance fell by $4.5M.

Operating cash flow was $13.5M against net income of $8.5M — 1.6× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$1.3M, prepaid and other assets +$588K, stock-based pay +$178K.

Free cash flow

Franklin Financial Services: free cash flow by quarterFranklin Financial Services: free cash flow by quarter$4.2MQ4 2024$8.8MQ1 2025$5.1MQ2 2025$8.3MQ3 2025$3.2MQ4 2025$24.1MQ1 2026$6.7MQ2 2026$13.5MQ3 2026
Operating cash flow less capital spending.
Franklin Financial Services: operating cash flow against capital spendingFranklin Financial Services: operating cash flow against capital spendingOperating cash flowCapital spending$4.2M$0Q4 2024$8.8M$0Q1 2025$5.1M$0Q2 2025$8.3M$0Q3 2025$3.2M$0Q4 2025$24.1M$0Q1 2026$6.7M$0Q2 2026$13.5M$0Q3 2026
Latest (Q3 2026): Operating cash flow $13.5M, Capital spending $0.

Capital allocation, year by year

Franklin Financial Services: where the cash came from (up) and went (down), by fiscal yearFranklin Financial Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedBuybacksDividendsFY2021: Operating cash flow $26.3MFY2021: Shares issued $135KFY2021: Buybacks −$1.2MFY2021: Dividends −$5.5M$26.5MFY2021FY2022: Operating cash flow $25.2MFY2022: Shares issued $48KFY2022: Buybacks −$3.3MFY2022: Dividends −$5.7M$25.3MFY2022FY2023: Operating cash flow $26.6MFY2023: Net borrowing $130MFY2023: Shares issued $47KFY2023: Buybacks −$2.4MFY2023: Dividends −$5.6M$157MFY2023FY2024: Operating cash flow $21.8MFY2024: Net borrowing $200MFY2024: Shares issued $122KFY2024: Buybacks −$827KFY2024: Dividends −$5.6M$222MFY2024FY2025: Operating cash flow $25.4MFY2025: Shares issued $286KFY2025: Buybacks −$1.1MFY2025: Dividends −$5.8M$25.7MFY2025
Over these 5 years operating cash flow totalled $125M; the largest uses were dividends ($28.3M) and buybacks ($8.9M). Cash-flow statements as filed.

Where the cash came from and went

Franklin Financial Services: sources (+) and uses (−) of cash, Q3 2026Franklin Financial Services: sources (+) and uses (−) of cash, Q3 2026Other investing−$56.5MOther financing$31.6MOperating cash flow$13.5MCash drawn (+) / kept (−)$11.4MBuybacks−$248KAsset & business sales$158KShares issued$18K
Franklin Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Franklin Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$100MOther financing$49.6MOperating cash flow$47.5MCash drawn (+) / kept (−)$4.5MBuybacks−$1.4MShares issued$151K

From profit to cash

Franklin Financial Services: net income to operating cash flow, Q3 2026Franklin Financial Services: net income to operating cash flow, Q3 2026Net income$8.5MStock-based pay$178KGains on disposals−$111KPrepaid and other assets$588KOther liabilities$1.3MOperating cash flow$13.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$13.5M−$248K—$18K$11.4M$13.5M
Q2 2026$6.7M−$350K−$1.5M$76K$15.7M$6.7M
Q1 2026$24.1M−$405K−$1.5M$6K−$83.1M$24.1M
Q4 2025$3.2M−$366K−$1.5M$51K$60.4M$3.2M
Q3 2025$8.3M−$300K−$1.5M$2K$19.6M$8.3M
Q2 2025$5.1M−$296K−$1.5M$210K$17.2M$5.1M
Q1 2025$8.8M−$142K−$1.4M$23K−$21.3M$8.8M
Q4 2024$4.2M−$231K−$1.4M$97K$32.7M$4.2M

Franklin Financial Services: income statement and cash flow

Franklin Financial Services, Q3 2026: revenue $35.2M (+2% year over year), operating margin 30.2%. The chart follows the revenue to costs, profit and cash.

Franklin Financial Services: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.