- Franklin Financial Services Corporation reported a **26.9% increase** in net income to **$5.4 million** ($1.19 per diluted share) for the third quarter of 2025 compared to the third quarter of 2024, and a **43.1% increase** to **$15.2 million** ($3.39 per diluted share) for the nine months ended September 30, 2025, compared to the same period in 2024.  **[723646_20251028PH09052:0]** 
- As of September 30, 2025, total assets grew **4.5%** to **$2.297 billion**, total net loans increased **11.8%** to **$1.544 billion**, and total deposits rose **4.8%** to **$1.903 billion** from December 31, 2024.  **[723646_20251028PH09052:0]** 
- Key performance metrics for the third quarter of 2025 included a Return on Average Assets (ROA) of **0.93%**, Return on Average Equity (ROE) of **13.39%**, and Net Interest Margin (NIM) of **3.32%**, all showing improvement over the third quarter of 2024.  **[723646_20251028PH09052:0]** 
- The Board of Directors declared a **$0.33 per share** regular quarterly cash dividend for the fourth quarter of 2025, to be paid on November 26, 2025, which represents a **3.1% increase** over the 2024 fourth-quarter dividend.  **[723646_20251028PH09052:0]**

Franklin Financial Services Corporation Reports Strong Q3 and Year-to-Date 2025 Results; Declares Dividend

- Franklin Financial Services Corporation reported **net income of $5.4 million** ($1.19 per diluted share) for Q3 2025, a **26.9% increase** from Q3 2024. Year-to-date net income for September 30, 2025, was **$15.2 million** ($3.39 per diluted share), up **43.1%** from the prior year.  **[723646_0000723646-25-000077_fraf-20251028xex99_1.htm:0]** 
- As of September 30, 2025, total assets grew to **$2.297 billion**, an increase of **4.5%** from year-end 2024. Total net loans reached **$1.544 billion**, up **11.8%**, and total deposits were **$1.903 billion**, up **4.8%** from December 31, 2024.  **[723646_0000723646-25-000077_fraf-20251028xex99_1.htm:0]** **[723646_0000723646-25-000077_fraf-20251028xex99_1.htm:1]** 
- Performance metrics for Q3 2025 showed a Return on Average Assets (ROA) of **0.93%**, Return on Average Equity (ROE) of **13.39%**, and a Net Interest Margin (NIM) of **3.32%**.  **[723646_0000723646-25-000077_fraf-20251028xex99_1.htm:0]** 
- The Board of Directors declared a **$0.33 per share** regular quarterly cash dividend for Q4 2025, marking a **3.1% increase** over the 2024 fourth quarter dividend.  **[723646_0000723646-25-000077_fraf-20251028xex99_1.htm:0]** 
- Shareholders' equity increased by **$21.6 million** to **$166.3 million** as of September 30, 2025, with tangible book value per share rising to **$35.13**.  **[723646_0000723646-25-000077_fraf-20251028xex99_1.htm:1]**

FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)