Franklin Financial Services Corp
franklinfin.comWhat Do They Do?
Provides commercial and retail banking services, including deposit accounts and loans, and investment and trust services to businesses, individuals, and governmental entities.
10-K for FY2025, filed Mar 13, 2026The Corporation conducts substantially all of its business through its wholly owned direct banking subsidiary, F&M Trust. F&M Trust…View ↗
F&M Trust is not dependent upon a single customer or a few customers for a material part of its business. Thus, the loss of any customer or…View ↗
The Bank offers numerous deposit products including demand deposits (noninterest and interest-bearing accounts), savings, money management…View ↗
F&M Trust’s Wealth Management department offers all of the personal and corporate trust services normally associated with community bank…View ↗
How Do They Make Money?
The bank earns monthly asset-management fees based on managed assets and estate-management fees over the service period. It also earns commissions when investment or insurance transactions are completed; customer consideration is often received immediately or shortly after service.
10-K for FY2025, filed Mar 13, 2026
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10-K for FY2025, filed Mar 13, 2026
FY2025 revenue by product or service (Investment and trust services fees) ↗
$114.4M
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10-K for FY2025, filed Mar 13, 2026
$114.4M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Asset Management Fees
Recurring
|
92%
FY2022: 91%
|
Asset Management Fees, FY2025
$8.4M Sources
|
Recurring |
|
Estate Management Fees
Recurring
|
5.0%
FY2022: 7.0%
|
Estate Management Fees, FY2025
$458K Sources
|
Recurring |
|
Commissions
Sold outright
|
3.2%
FY2022: 2.4%
|
Commissions, FY2025
$291K Sources
|
Sold outright |
Who Are Their Customers?
F&M Trust serves businesses, individuals, and governmental entities through its community banking offices, offering deposits and loans; its wealth management department provides personal and corporate trust and investment services.
10-K for FY2025, filed Mar 13, 2026The Corporation conducts substantially all of its business through its wholly owned direct banking subsidiary, F&M Trust. F&M Trust…View ↗
F&M Trust is not dependent upon a single customer or a few customers for a material part of its business. Thus, the loss of any customer or…View ↗
The Bank offers numerous deposit products including demand deposits (noninterest and interest-bearing accounts), savings, money management…View ↗
F&M Trust’s Wealth Management department offers all of the personal and corporate trust services normally associated with community bank…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 19 cents of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Mar 13, 2026
10-K for FY2025, filed Mar 13, 2026
$21.2MView ↗
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 10, 2026
Open tableView ↗
Growing. Revenue grew 2.4x in 4 years, from $47.6M in FY2021 to $114.4M in FY2025, about 25% a year.
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