Franklin Financial Services Corp
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to businesses, individuals, governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of depo… Read more
Franklin Financial Services Corp (FRAF) - Net Assets
Latest net assets as of December 2025: $2.41 Billion USD
Based on the latest financial reports, Franklin Financial Services Corp (FRAF) has net assets worth $2.41 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.24 Billion) and total liabilities ($-166.34 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.41 Billion |
| % of Total Assets | 107.43% |
| Annual Growth Rate | 15.15% |
| 5-Year Change | 1431.44% |
| 10-Year Change | 1964.81% |
| Growth Volatility | 279.57 |
Franklin Financial Services Corp - Net Assets Trend (1995–2025)
This chart illustrates how Franklin Financial Services Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Franklin Financial Services Corp (1995–2025)
The table below shows the annual net assets of Franklin Financial Services Corp from 1995 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.41 Billion | +1562.13% |
| 2024-12-31 | $144.72 Million | +9.52% |
| 2023-12-31 | $132.14 Million | +15.71% |
| 2022-12-31 | $114.20 Million | -27.29% |
| 2021-12-31 | $157.06 Million | +8.19% |
| 2020-12-31 | $145.18 Million | +13.84% |
| 2019-12-31 | $127.53 Million | +7.71% |
| 2018-12-31 | $118.40 Million | +2.82% |
| 2017-12-31 | $115.14 Million | -1.16% |
| 2016-12-31 | $116.49 Million | +4.59% |
| 2015-12-31 | $111.38 Million | +7.59% |
| 2014-12-31 | $103.52 Million | +8.53% |
| 2013-12-31 | $95.39 Million | +4.10% |
| 2012-12-31 | $91.63 Million | +5.11% |
| 2011-12-31 | $87.18 Million | +5.50% |
| 2010-12-31 | $82.64 Million | +4.92% |
| 2009-12-31 | $78.77 Million | +7.81% |
| 2008-12-31 | $73.06 Million | -5.90% |
| 2007-12-31 | $77.64 Million | +8.42% |
| 2006-12-31 | $71.61 Million | +28.64% |
| 2005-12-31 | $55.67 Million | +1.88% |
| 2004-12-31 | $54.64 Million | +5.37% |
| 2003-12-31 | $51.86 Million | +9.80% |
| 2002-12-31 | $47.23 Million | +4.34% |
| 2001-12-31 | $45.27 Million | +4.78% |
| 2000-12-31 | $43.20 Million | +9.93% |
| 1999-12-31 | $39.30 Million | -1.51% |
| 1998-12-31 | $39.90 Million | +9.90% |
| 1997-12-31 | $36.30 Million | +2.73% |
| 1996-12-31 | $35.34 Million | +1.10% |
| 1995-12-31 | $34.96 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Franklin Financial Services Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 934.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $154.84 Million | 93.09% |
| Other Comprehensive Income | $166.34 Million | 100.00% |
| Total Equity | $166.34 Million | 100.00% |
Franklin Financial Services Corp Competitors by Market Cap
The table below lists competitors of Franklin Financial Services Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Cubic Sensor and Instrument Co Ltd
SHG:688665
|
$201.40 Million |
|
CITY OFFICE REIT DL -01
F:5QV
|
$201.58 Million |
|
Summarecon Agung Tbk
JK:SMRA
|
$201.58 Million |
|
Her Chee Industrial Co Ltd
TWO:8937
|
$201.59 Million |
|
Zhejiang Qianjiang Biochemical Co Ltd
SHG:600796
|
$201.33 Million |
|
India Glycols Limited
NSE:INDIAGLYCO
|
$201.29 Million |
|
Abaxx Technologies Inc
OTCQX:ABXXF
|
$201.28 Million |
|
Univanich Palm Oil Public Company Limited
BK:UVAN
|
$201.26 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Franklin Financial Services Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 144,716,000 to 166,343,000, a change of 21,627,000 (14.9%).
- Net income of 21,226,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 201,851,000.
- Other factors decreased equity by 201,450,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $21.23 Million | +12.76% |
| Other Comprehensive Income | $201.85 Million | +121.35% |
| Other Changes | $-201.45 Million | -121.11% |
| Total Change | $- | 14.94% |
Book Value vs Market Value Analysis
This analysis compares Franklin Financial Services Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.32x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 5.05x to 1.32x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $9.68 | $48.89 | x |
| 1996-12-31 | $10.05 | $48.89 | x |
| 1997-12-31 | $10.50 | $48.89 | x |
| 1998-12-31 | $11.53 | $48.89 | x |
| 1999-12-31 | $11.35 | $48.89 | x |
| 2000-12-31 | $12.53 | $48.89 | x |
| 2001-12-31 | $13.25 | $48.89 | x |
| 2002-12-31 | $14.06 | $48.89 | x |
| 2003-12-31 | $15.45 | $48.89 | x |
| 2004-12-31 | $16.21 | $48.89 | x |
| 2005-12-31 | $16.49 | $48.89 | x |
| 2006-12-31 | $19.87 | $48.89 | x |
| 2007-12-31 | $20.16 | $48.89 | x |
| 2008-12-31 | $19.08 | $48.89 | x |
| 2009-12-31 | $20.51 | $48.89 | x |
| 2010-12-31 | $21.09 | $48.89 | x |
| 2011-12-31 | $21.67 | $48.89 | x |
| 2012-12-31 | $22.31 | $48.89 | x |
| 2013-12-31 | $22.88 | $48.89 | x |
| 2014-12-31 | $24.54 | $48.89 | x |
| 2015-12-31 | $26.21 | $48.89 | x |
| 2016-12-31 | $27.08 | $48.89 | x |
| 2017-12-31 | $26.42 | $48.89 | x |
| 2018-12-31 | $26.88 | $48.89 | x |
| 2019-12-31 | $29.01 | $48.89 | x |
| 2020-12-31 | $33.25 | $48.89 | x |
| 2021-12-31 | $35.38 | $48.89 | x |
| 2022-12-31 | $25.69 | $48.89 | x |
| 2023-12-31 | $30.16 | $48.89 | x |
| 2024-12-31 | $32.79 | $48.89 | x |
| 2025-12-31 | $36.98 | $48.89 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Franklin Financial Services Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.76%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.89%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 13.46x
- Recent ROE (12.76%) is above the historical average (9.97%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 11.96% | 28.02% | 0.05x | 8.97x | $683.40K |
| 1996 | 11.68% | 26.68% | 0.05x | 9.51x | $592.90K |
| 1997 | 12.02% | 24.98% | 0.05x | 9.75x | $732.50K |
| 1998 | 12.04% | 25.46% | 0.04x | 10.65x | $814.90K |
| 1999 | 12.98% | 15.04% | 0.08x | 11.32x | $1.17 Million |
| 2000 | 11.59% | 13.35% | 0.08x | 10.79x | $686.90K |
| 2001 | 12.36% | 15.12% | 0.07x | 11.02x | $1.07 Million |
| 2002 | 11.80% | 16.74% | 0.06x | 11.27x | $850.20K |
| 2003 | 11.26% | 17.90% | 0.06x | 10.60x | $654.20K |
| 2004 | 9.50% | 16.27% | 0.06x | 10.31x | $-272.30K |
| 2005 | 10.98% | 16.65% | 0.06x | 11.16x | $545.00K |
| 2006 | 10.57% | 15.40% | 0.06x | 11.16x | $408.60K |
| 2007 | 11.92% | 15.53% | 0.07x | 10.57x | $1.49 Million |
| 2008 | 11.76% | 15.65% | 0.06x | 12.35x | $1.29 Million |
| 2009 | 8.36% | 12.51% | 0.05x | 12.43x | $-1.29 Million |
| 2010 | 9.21% | 14.54% | 0.06x | 11.52x | $-651.90K |
| 2011 | 7.53% | 12.72% | 0.05x | 11.36x | $-2.15 Million |
| 2012 | 5.85% | 11.19% | 0.05x | 11.21x | $-3.80 Million |
| 2013 | 6.53% | 13.74% | 0.05x | 10.32x | $-3.31 Million |
| 2014 | 8.12% | 18.59% | 0.05x | 9.67x | $-1.95 Million |
| 2015 | 9.16% | 21.97% | 0.04x | 9.30x | $-933.60K |
| 2016 | 6.94% | 16.94% | 0.04x | 9.68x | $-3.56 Million |
| 2017 | 1.89% | 4.26% | 0.04x | 10.25x | $-9.34 Million |
| 2018 | 5.17% | 10.84% | 0.05x | 10.22x | $-5.71 Million |
| 2019 | 12.64% | 25.56% | 0.05x | 9.95x | $3.36 Million |
| 2020 | 8.82% | 21.36% | 0.04x | 10.57x | $-1.72 Million |
| 2021 | 12.49% | 30.66% | 0.04x | 11.29x | $3.91 Million |
| 2022 | 13.08% | 21.26% | 0.04x | 14.88x | $3.52 Million |
| 2023 | 10.29% | 15.05% | 0.05x | 13.90x | $384.40K |
| 2024 | 7.67% | 9.75% | 0.05x | 15.19x | $-3.37 Million |
| 2025 | 12.76% | 15.89% | 0.06x | 13.46x | $4.59 Million |
Industry Comparison
This section compares Franklin Financial Services Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Franklin Financial Services Corp (FRAF) | $2.41 Billion | 11.96% | -0.07x | $201.38 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |