---
title: "Franklin Financial Services 10-K: $114.4M Interest Income, EPS $4.74"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/279091969.md"
description: "Franklin Financial Services reported strong 2025 results with net income of $21.2 million and diluted EPS of $4.74, driven by $114.4 million in interest income. Key highlights include a 21.1% increase in net interest income to $69.6 million, and a 40.2% rise in noninterest income to $19.2 million. The company also saw growth in assets under management to $1.421 billion. Operating costs increased due to higher staffing and compliance expenses, while credit loss allowances were adjusted for commercial real estate exposure."
datetime: "2026-03-13T20:55:01.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/279091969.md)
  - [en](https://longbridge.com/en/news/279091969.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/279091969.md)
---

# Franklin Financial Services 10-K: $114.4M Interest Income, EPS $4.74

Franklin Financial Services reported materially stronger 2025 results, driven by higher net interest income and wealth management fees, producing net income of $21.2 million and diluted earnings per share of $4.74. Total interest income was $114.4 million, with loans the largest contributor, and tax‑equivalent net interest income totaled $70.6 million. Management cited improved noninterest income and lower realized securities losses as contributors to the year‑over‑year earnings gain.

**Financial Highlights**

-   **Total interest income**: $114.4 million (loans $87.2M; investments $19.7M; deposits in other banks $7.6M)
-   **Net interest income**: $69.6 million, up $12.1 million (21.1%) versus 2024; tax‑equivalent NII $70.6 million
-   **Net income**: $21.2 million, up 91.2% versus 2024 (2024: $11.1M)
-   **Diluted earnings per share**: $4.74, compared with $2.51 in 2024; dividend payout ratio 27.5%
-   **Noninterest income**: $19.2 million, up 40.2% versus 2024; includes wealth management fees of $9.17 million

**Business Highlights**

-   **Revenue mix and channel activity**: Management increased loan originations and expanded sales of residential mortgages into the secondary market; certain loans held for sale were reclassified to support liquidity.
-   **Wealth management momentum**: Assets under management grew to $1.421 billion, supporting recurring asset management fees and referral income.
-   **Operations and staffing**: Operating costs rose modestly due to higher headcount, employee benefits, data processing expenses, and costs associated with accelerated filer compliance.
-   **Credit and portfolio management**: The allowance for credit losses was increased with specific reserves for commercial real estate construction exposure; loan monitoring was intensified and third‑party reviews were engaged.

Original SEC Filing: FRANKLIN FINANCIAL SERVICES CORP /PA/ \[ FRAF \] - 10-K - Mar. 13, 2026

**Disclaimer**

This is an AI-powered summary. It may contain inaccuracies. Consider verifying important information with the source. Please note this summary is solely based on documents filed with the SEC.

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