FRANKLIN FINANCIAL SERVICES CORP /PA/
Nasdaq: FRAFState Commercial Banks · Entity-resolved by Clous
Key financials
Market
Short interest & fails
Short volume (FINRA Reg SHO) · fails-to-deliver (SEC) · borrow fee (broker securities-lending feed) — via the Clous API.
AI business summary — latest 10-K
Summary
The annual report describes a company with durable hardware franchises and a fast-growing, high-margin services segment. Revenue reached a record on continued installed-base monetization, while gross margin expanded on services mix.
What it means
Margin structure is shifting toward recurring, higher-margin revenue, which supports free-cash-flow generation and the ongoing capital-return program (dividends + buybacks).
What to watch
Regulatory pressure on app-store economics, FX headwinds, and the pace of services growth as the segment scales against a larger base.
Generated from public filings · not investment advice
| Concept | FY2022-12-31 | FY2023-12-31 | FY2024-12-31 | FY2025-12-31 | YoY | % rev |
|---|---|---|---|---|---|---|
| Net Income | $14.94M | $13.6M | $11.1M | $21.23M | +91.2% | — |
| Total Assets | $1.7B | $1.84B | $2.2B | $2.24B | +1.9% | — |
| Equity | $114.2M | $132.14M | $144.72M | $175.24M | +21.1% | — |
| Operating Cash Flow | $25.24M | $26.57M | $21.76M | $25.44M | +16.9% | — |
| Shares Outstanding | — | — | — | 4.48M | — | — |
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