The strong Q1 beat suggests continued operational momentum. Monitor upcoming quarterly reports for sustainability of margin expansion and loan growth. The stock may re-rate higher given the improved profitability profile.
Price Chart
Executive Summary
Franklin Financial reported strong Q1 2026 results with diluted EPS of $1.48 (up 68% YoY), net income of $6.6M (up 69%), net interest margin expanding to 3.53% (from 3.05%), and ROA improving to 1.20% (from 0.72%). Revenue growth, margin expansion, and solid credit quality underscore the improving profitability trend.
Key Facts
- Q1 2026 diluted EPS $1.48 vs $0.88 in Q1 2025
- Net income $6.637M vs $3.922M (+69.2%)
- Net interest margin 3.53% vs 3.05% (+48bps)
- ROA 1.20% vs 0.72%; ROE 15.13% vs 10.80%
- Total loans $1.572B vs $1.456B (+8.0% YoY)
- Total deposits $1.890B vs $1.868B (+1.2% YoY)
- Nonperforming assets / total assets 0.37% (vs 0.01% prior year, but still low)
Financial Impact
Net income increased by $2.7M YoY; EPS improved by $0.60
Risk Factors
- Nonperforming assets ticked up to 0.37% from near zero, though still manageable
- Cost of deposits remains at 1.52%, though declining; further rate cuts could pressure NIM
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000723646-26-000046 |
| Document: fraf-20260501xex99_2.htm | 0000723646-26-000046 |
| Document: fraf-20260501x8k.htm | 0000723646-26-000046 |
| Document: 0000723646-26-000046-index-headers.html | 0000723646-26-000046 |
| Document: 0000723646-26-000046-index.html | 0000723646-26-000046 |
| Document: 0000723646-26-000046.txt | 0000723646-26-000046 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | Press Release | $64.00 | awaiting T+60 | — | $64.95 (+1.48%) |
Oct 27, 2026 today | 8-K | $64.95 | awaiting T+60 | — | $64.95 (−0.00%) |
Oct 16, 2026 11d ago | 8-K | $62.34 | awaiting T+60 | — | $64.95 (+4.19%) |
Jul 24, 2026 13w ago | Press Release | $62.28 $62.34 | ▲ +0.10% | ▼ −3.63% | $64.95 (+4.29%) |
Jul 24, 2026 13w ago | 8-K | $62.28 $62.34 | ▲ +0.10% | ▼ −3.63% | $64.95 (+4.29%) |
Jul 24, 2026 13w ago | 8-K | $62.28 $62.34 | ▲ +0.10% | ▼ −3.63% | $64.95 (+4.29%) |
Jun 1, 2026 21w ago | Insider Cluster | $57.02 $62.10 | ▲ +8.91% | ▲ +7.68% | $64.95 (+13.91%) |
Jun 1, 2026 21w ago | Insider Cluster | $57.02 $62.10 | ▲ +8.91% | ▲ +7.68% | $64.95 (+13.91%) |
May 1, 2026 25w ago | 8-K | $56.12 $64.08 | ▲ +14.18% | ▲ +12.33% | $64.95 (+15.73%) |
Apr 23, 2026 26w ago | 8-K | $55.69 $63.50 | ▲ +14.02% | ▲ +8.94% | $64.95 (+16.62%) |
US Market Status
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