Short answer
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $30M (up 13.9% year over year) with net income of $5M.
Q3 2025 key financials · XBRL
- Revenue
- $30M
- +13.9% YoY · +3.8% QoQ
- Net income
- $5M
- +26.9% YoY · −9.4% QoQ
- EPS (diluted)
- $1.19
- +21.4% YoY · −9.8% QoQ
Source: XBRL data from the FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) Q3 2025 10-Q on SEC EDGAR. USD.
FRANKLIN FINANCIAL SERVICES CORP /PA/ Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $5.4M, up 26.9% YoY from $4.2M
- Net interest margin 3.32% vs 2.97% YoY
- Wealth management fees $2.3M, up 8.0% from $2.1M
- Cash and equivalents $188.1M, down $15.5M from year-end
- Loan-loss provision $1.3M vs $474K, including $894K specific reserve for collateral-dependent loan
Risk Factors
- New tariff risk triggered by changes in trade policies and potential trade-war escalation
- Customer credit risk from tariffs, supply disruptions, and reduced export demand
- Asset-quality risk from higher loan delinquencies and credit losses
- Local economic risk from weaker loan demand, deposit growth, and fee income
- Market risk from prolonged trade tensions, volatility, and declining asset values
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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