Franklin Financial Services Corporation | 10-Q: FY2025 Q3 Revenue: USD 34.49 M

Revenue: As of FY2025 Q3, the actual value is USD 34.49 M.

EPS: As of FY2025 Q3, the actual value is USD 1.19.

EBIT: As of FY2025 Q3, the actual value is USD -11.54 M.

Segment Revenue

• Wealth Management Fees: $2.3 million for the three months ended September 30, 2025, an increase of 8.0% from $2.1 million in the third quarter of 2024. For the nine months ended September 30, 2025, fees were $6.9 million, up from $6.4 million in 2024.

Operational Metrics

• Net Income: $5.4 million for the three months ended September 30, 2025, up 26.9% from $4.2 million in the same period of 2024. For the nine months ended September 30, 2025, net income was $15.2 million, a 43.1% increase from $10.6 million in 2024.
• Net Interest Income: $18.2 million for the three months ended September 30, 2025, compared to $14.7 million in the same period of 2024. For the nine months ended September 30, 2025, net interest income was $51.0 million, up from $42.4 million in 2024.
• Provision for Credit Losses: $1.3 million for the three months ended September 30, 2025, compared to $474 thousand in the same period of 2024. For the nine months ended September 30, 2025, the provision was $2.7 million, up from $1.5 million in 2024.

Cash Flow

• Operating Cash Flow: Net cash provided by operating activities was $22.3 million for the nine months ended September 30, 2025, compared to $17.5 million in 2024.

Unique Metrics

• Assets Under Management: $1.4 billion as of September 30, 2025.

Future Outlook and Strategy

• Core Business Focus: The company aims to continue growing its loan and deposit base, as evidenced by the 11.8% increase in net loans and 4.8% increase in deposits from December 31, 2024, to September 30, 2025.
• Non-Core Business: No specific plans related to divestitures or emerging segments were mentioned in the report.