Filing Flows › Franklin Financial Services (FRAF) › Q3 2026
Franklin Financial Services (FRAF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Franklin Financial Services (FRAF) reported revenue of $35.2M for the third quarter 2026 (Q3 2026), +2% from a year earlier and +44% from the quarter before. Operating margin was 30.2%, net earnings $8.5M (24.2% of revenue).
Franklin Financial Services, Q3 2026: revenue $35.2M (+2% year over year), operating margin 30.2%, net earnings $8.5M, operating cash flow $13.5M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $35.2M | +44% | +2% |
| Operating profit | $10.7M | +29% | +60% |
| Net earnings | $8.5M | +29% | +59% |
| Operating cash flow | $13.5M | +102% | +63% |
What changed
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.
Questions
What was Franklin Financial Services' revenue in the third quarter 2026?
Franklin Financial Services (FRAF) reported revenue of $35.2M for the third quarter 2026 (Q3 2026), +2% from a year earlier and +44% from the quarter before.
Was Franklin Financial Services profitable in the third quarter 2026?
Operating profit was $10.7M (30.2% of revenue) and net earnings $8.5M.