FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)
Franklin Financial Services Corporation (FRAF) operates as the parent company for Farmers and Merchants Trust Company of Chambersburg, delivering a comprehensive array of financial solutions. This includes commercial, retail banking, and trust services for a diverse clientele, comprising individuals, small and medium-sized businesses, governmental entities, and non-profit organizations throughout Pennsylvania. The company provides various deposit options, such as checking, savings, money market, and time deposit accounts, alongside demand deposits. Its lending portfolio is extensive, featuring commercial real estate, construction and land development, and agricultural loans. It also offers secured and unsecured commercial and industrial financing, including accounts receivable, inventory, and equipment loans, as well as residential mortgages and consumer installment and revolving loans. Beyond core banking, Franklin Financial offers robust investment and trust services. These encompass estate planning and administration, management of corporate and personal trust funds, oversight of pension and other employee benefit funds, and custodial services. Additionally, the company facilitates the sale of mutual funds, annuities, and insurance products, and provides safe deposit facilities and fiduciary services. Through its subsidiary, Franklin Future Fund Inc., the corporation also operates as a non-bank investment firm, engaging in venture capital investments. Established in 1906 and headquartered in Chambersburg, Pennsylvania, Franklin Financial Services Corporation serves its customers through 22 community banking offices located across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania.
Sector: State Commercial Banks
Industry: Banks - Regional
Franklin Financial Services Corporation
NASDAQ:FRAFFinancial Services · Banks - Regional
+0.74%$64.10
AH Close$64.10+0.00%vs close
AH Close$64.10+0.00%vs close
Mkt Cap$288.42M
Float4.23M
O/S4.5M
Inst Own38.5%
SI6.1%
Div Yield2.09%
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$133.55M
Net Income$21.23M
Total Assets$2.24B
Free Cash Flow$24.58M
Debt & Equity
Debt 55%
Equity 45%
Total Debt$214.69M
Total Equity$175.24M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in FRAF's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$2.24B
Liabilities$2.06B
Accounts Receivable$0
Accounts Payable$0
Inventory$0
PP&E (Net)$30.79M
Goodwill$9.02M
Intangible Assets$0
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2011 | FY 2010 | FY 2009 | FY 2008 | FY 2007 | FY 2006 | FY 2005 | FY 2004 | FY 2003 | FY 2002 | FY 2001 | FY 2000 | FY 1999 | FY 1998 | FY 1997 | FY 1996 | FY 1995 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 | 2005-12-31 | 2004-12-31 | 2003-12-31 | 2002-12-31 | 2001-12-31 | 2000-12-31 | 1999-12-31 | 1998-12-31 | 1997-12-31 | 1996-12-31 | 1995-12-31 |
| Revenue | $133.55M | $113.83M | $90.38M | $70.27M | $63.98M | $59.94M | $63.04M | $56.5M | $51.12M | $47.73M | $46.44M | $45.2M | $45.37M | $47.96M | $51.66M | $52.36M | $52.64M | $54.93M | $59.59M | $49.16M | $36.71M | $31.9M | $32.62M | $33.29M | $36.99M | $37.5M | $33.91M | $18.87M | $17.47M | $15.47M | $14.91M |
| YoY Growth | 17.3% | 25.9% | 28.6% | 9.8% | 6.7% | -4.9% | 11.6% | 10.5% | 7.1% | 2.8% | 2.7% | -0.4% | -5.4% | -7.2% | -1.3% | -0.5% | -4.2% | -7.8% | 21.2% | 33.9% | 15.1% | -2.2% | -2.0% | -10.0% | -1.4% | 10.6% | 79.7% | 8.0% | 12.9% | 3.7% | - |
| Cost of Revenue | $47.62M | $45.92M | $25.85M | $5.51M | $802K | $8.6M | $7.35M | $14.17M | $3.16M | $6.02M | $3.66M | $3.94M | $7.3M | $12.12M | $16.68M | $15.68M | $18.11M | $17.23M | $24.79M | $20.2M | $12.6M | $9.7M | $10.75M | $12.99M | $17.25M | $18.67M | $15.81M | $14.21M | $13.16M | $11.69M | $11.51M |
| Gross Profit | $85.92M | $67.91M | $64.53M | $64.76M | $63.18M | $51.33M | $55.69M | $42.33M | $47.95M | $41.71M | $42.78M | $41.25M | $38.07M | $35.85M | $34.98M | $36.68M | $34.52M | $37.7M | $34.81M | $28.96M | $24.11M | $22.2M | $21.87M | $20.3M | $19.73M | $18.83M | $18.1M | $4.66M | $4.31M | $3.77M | $3.4M |
| Gross Margin | 64.3% | 59.7% | 71.4% | 92.2% | 98.7% | 85.6% | 88.3% | 74.9% | 93.8% | 87.4% | 92.1% | 91.3% | 83.9% | 74.7% | 67.7% | 70.1% | 65.6% | 68.6% | 58.4% | 58.9% | 65.7% | 69.6% | 67.0% | 61.0% | 53.4% | 50.2% | 53.4% | 24.7% | 24.7% | 24.4% | 22.8% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $1.73M | $36.35M | $31.73M | $30.75M | $27.05M | $24.61M | $24M | $22.2M | $20.3M | $19.43M | $18.95M | $19.31M | $18.95M | $19.12M | $17.61M | $16.11M | $16.87M | $15.41M | $12.82M | $10.9M | $9.72M | $9.19M | $8.21M | $7.67M | $7.3M | $7.37M | $6.9M | $5.62M | $6.43M | $6.41M | $6.1M |
| Other | $57.93M | $18.24M | $17.04M | $16.52M | $13.12M | $13.67M | $12.69M | $14.17M | $21.91M | $12.89M | $11.35M | $11.53M | $11.59M | $10.85M | $10.39M | $10.02M | $9.05M | $10.02M | $9.97M | $8.39M | $7.34M | $6.8M | $6.45M | $5.86M | $5.55M | $5.35M | $4.9M | -$7.27M | -$7.88M | -$8.14M | -$8.33M |
| Total Operating Expenses | $59.66M | $54.59M | $48.78M | $47.26M | $40.16M | $38.27M | $36.69M | $36.37M | $42.21M | $32.32M | $30.31M | $30.84M | $30.54M | $29.97M | $28M | $26.14M | $25.93M | $25.43M | $22.79M | $19.3M | $17.06M | $16M | $14.66M | $13.53M | $12.85M | $12.71M | $11.8M | -$1.65M | -$1.45M | -$1.73M | -$2.23M |
| Operating Income (EBIT) | $26.27M | $13.31M | $15.75M | $17.5M | $23.01M | $13.06M | $19M | $5.96M | $5.74M | $9.39M | $12.47M | $10.41M | $7.53M | $5.88M | $6.98M | $10.55M | $8.6M | $12.28M | $12.02M | $9.67M | $7.05M | $6.21M | $7.21M | $6.77M | $6.88M | $6.11M | $6.3M | $6.31M | $5.75M | $5.51M | $5.63M |
| Operating Margin | 19.7% | 11.7% | 17.4% | 24.9% | 36.0% | 21.8% | 30.1% | 10.5% | 11.2% | 19.7% | 26.9% | 23.0% | 16.6% | 12.3% | 13.5% | 20.1% | 16.3% | 22.3% | 20.2% | 19.7% | 19.2% | 19.5% | 22.1% | 20.3% | 18.6% | 16.3% | 18.6% | 33.4% | 32.9% | 35.6% | 37.8% |
| Interest Expense | $44.73M | $43.94M | $23.13M | $4.86M | $2.9M | $3.98M | $7.11M | $4.21M | $2.49M | $2.25M | $2.37M | $3.18M | $4.38M | $6.89M | $9.15M | $12.44M | $14.67M | $16.04M | $23.8M | $19.96M | $12.17M | $8.82M | $9.06M | $11.8M | $15.77M | $17.92M | $15.01M | $13.15M | $12.22M | $11.09M | $11.21M |
| Interest Income | $114.37M | $100.76M | $76.71M | $56.43M | $47.55M | $45.92M | $49.21M | $44.84M | $39.86M | $36.96M | $34.55M | $34.69M | $35.96M | $39.06M | $41.71M | $43.23M | $43.61M | $45.87M | $49.49M | $40.9M | $29.71M | $24.81M | $24.88M | $27.39M | $31.3M | $32.45M | $29.41M | $27.46M | $26.31M | $24.8M | $24.97M |
| Other Income (Expense) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | $26.27M | $13.31M | $15.75M | $17.5M | $23.01M | $13.06M | $19M | $5.96M | $5.74M | $9.39M | $12.47M | $10.41M | $7.53M | $5.88M | $6.98M | $10.55M | $8.6M | $12.28M | $12.02M | $9.67M | $7.05M | $6.21M | $7.21M | $6.77M | $6.88M | $6.11M | $6.3M | $6.31M | $5.75M | $5.51M | $5.63M |
| Income Tax Expense | $5.04M | $2.22M | $2.15M | $2.56M | $3.4M | $258K | $2.88M | -$165K | $3.56M | $1.3M | $2.27M | $2.01M | $1.29M | $512K | $411K | $2.94M | $2.01M | $3.68M | $2.76M | $2.1M | $937K | $1.01M | $1.37M | $1.2M | $1.29M | $1.11M | $1.2M | $1.5M | $1.39M | $1.38M | $1.45M |
| Net Income | $21.23M | $11.1M | $13.6M | $14.94M | $19.62M | $12.8M | $16.11M | $6.13M | $2.18M | $8.09M | $10.2M | $8.4M | $6.23M | $5.37M | $6.57M | $7.61M | $6.58M | $8.6M | $9.26M | $7.57M | $6.11M | $5.19M | $5.84M | $5.57M | $5.59M | $5.01M | $5.1M | $4.8M | $4.36M | $4.13M | $4.18M |
| Net Income Margin | 15.9% | 9.8% | 15.0% | 21.3% | 30.7% | 21.4% | 25.6% | 10.8% | 4.3% | 16.9% | 22.0% | 18.6% | 13.7% | 11.2% | 12.7% | 14.5% | 12.5% | 15.6% | 15.5% | 15.4% | 16.7% | 16.3% | 17.9% | 16.7% | 15.1% | 13.4% | 15.0% | 25.5% | 25.0% | 26.7% | 28.0% |
| Supplementary Data | |||||||||||||||||||||||||||||||
| EPS | 4.74 | 2.51 | 3.11 | 3.38 | 4.44 | 2.94 | 3.68 | 1.40 | 0.50 | 1.88 | 2.40 | 1.99 | 1.49 | 1.31 | 1.63 | 1.94 | 1.71 | 2.24 | 2.41 | 2.11 | 1.82 | 1.54 | 1.74 | 1.66 | 1.67 | 1.48 | 1.49 | 1.41 | 1.27 | 1.17 | 1.16 |
| Diluted EPS | 4.74 | 2.51 | 3.10 | 3.36 | 4.42 | 2.93 | 3.67 | 1.39 | 0.50 | 1.88 | 2.40 | 1.99 | 1.49 | 1.31 | 1.63 | 1.94 | 1.71 | 2.24 | 2.40 | 2.10 | 1.81 | 1.54 | 1.74 | 1.66 | 1.64 | 1.45 | 1.47 | 1.39 | 1.26 | 1.17 | 1.16 |
| Weighted Average OS | 4.50M | 4.41M | 4.37M | 4.42M | 4.42M | 4.36M | 4.38M | 4.38M | 4.34M | 4.30M | 4.24M | 4.20M | 4.13M | 4.07M | 4.02M | 3.92M | 3.84M | 3.83M | 3.84M | 3.59M | 3.36M | 3.37M | 3.36M | 3.34M | 3.35M | 3.39M | 3.41M | 3.41M | 3.42M | 3.52M | 3.61M |
| EBITDA | $28.41M | $15.4M | $17.77M | $18.93M | $24.22M | $14.39M | $20.36M | $7.29M | $7.12M | $10.79M | $14.02M | $12.39M | $9.49M | $7.85M | $9.07M | $12.47M | $10.64M | $14.75M | $13.5M | $11.17M | $8.68M | $8.12M | $9.27M | $8.42M | $7.87M | $7.05M | $7.3M | $7.07M | $6.53M | $6.25M | $6.26M |
| EBITDA Margin | 21.3% | 13.5% | 19.7% | 26.9% | 37.8% | 24.0% | 32.3% | 12.9% | 13.9% | 22.6% | 30.2% | 27.4% | 20.9% | 16.4% | 17.6% | 23.8% | 20.2% | 26.9% | 22.7% | 22.7% | 23.6% | 25.4% | 28.4% | 25.3% | 21.3% | 18.8% | 21.5% | 37.5% | 37.4% | 40.4% | 42.0% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2011 | FY 2010 | FY 2009 | FY 2008 | FY 2007 | FY 2006 | FY 2005 | FY 2004 | FY 2003 | FY 2002 | FY 2001 | FY 2000 | FY 1999 | FY 1998 | FY 1997 | FY 1996 | FY 1995 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 | 2005-12-31 | 2004-12-31 | 2003-12-31 | 2002-12-31 | 2001-12-31 | 2000-12-31 | 1999-12-31 | 1998-12-31 | 1997-12-31 | 1996-12-31 | 1995-12-31 |
| Assets | |||||||||||||||||||||||||||||||
| Current Assets | |||||||||||||||||||||||||||||||
| Cash and Cash Equivalents | $128.72M | $205.11M | $29.37M | $78.87M | $185.64M | $69.89M | $92.57M | $52.96M | $58.6M | $36.66M | $39.17M | $48.59M | $40.74M | $77.83M | $34.14M | $22.11M | $33.25M | $16.71M | $18.09M | $22.15M | $20.74M | $10.21M | $15.62M | $14.57M | $16.54M | $17.77M | $15.2M | $24.41M | $10.86M | $10.27M | $8.24M |
| Short-Term Investments | $101.09M | $318.99M | $472.5M | $486.84M | $529.81M | $396.94M | $187.43M | $131.47M | $126.97M | $143.88M | $159.47M | $171.75M | $159.67M | $133.33M | $125.3M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Cash and Short-Term Investments | $229.81M | $524.1M | $501.87M | $565.71M | $715.45M | $466.83M | $280.01M | $184.43M | $185.57M | $180.54M | $198.64M | $220.34M | $200.42M | $211.16M | $159.44M | $22.11M | $33.25M | $16.71M | $18.09M | $22.15M | $20.74M | $10.21M | $15.62M | $14.57M | $16.54M | $17.77M | $15.2M | $24.41M | $10.86M | $10.27M | $8.24M |
| Accounts Receivable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $229.81M | $524.1M | $501.87M | $565.71M | $715.45M | $466.83M | $280.01M | $184.43M | $185.57M | $180.54M | $198.64M | $220.34M | $200.42M | $211.16M | $159.44M | $22.11M | $33.25M | $16.71M | $18.09M | $22.15M | $20.74M | $10.21M | $15.62M | $14.57M | $16.54M | $17.77M | $15.2M | $24.41M | $10.86M | $10.27M | $8.24M |
| Long-Term Assets | |||||||||||||||||||||||||||||||
| Property, Plant & Equipment Net | $30.79M | $33.15M | $33.22M | $36.04M | $23.95M | $18.38M | $18.98M | $13.52M | $13.74M | $14.06M | $14.76M | $15.05M | $16.14M | $17.04M | $16.04M | $16.59M | $15.74M | $15.63M | $13.86M | $13.1M | $8.9M | $9.61M | $9.56M | $9.79M | $9.34M | $7.24M | $5.5M | $5.89M | $5.91M | $6.7M | $5.64M |
| Goodwill | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.16M | $9.15M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Intangible Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $181K | $698K | $1.12M | $1.56M | $2M | $2.46M | $2.93M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $1.56B | $1.57B | $1.24B | $1.04B | $987.05M | $1B | $925.09M | $961.45M | $932.72M | $883.34M | $772.39M | $717.81M | $714.06M | $743.27M | $756.69M | $857.46M | $873.91M | $816.42M | $733.8M | $713.59M | $560.36M | $512.53M | $495.69M | $484.32M | $450.46M | $422.48M | $413.9M | $385.61M | $328.34M | $310.96M | $287.41M |
| Deferred Tax Assets | $7.88M | $10.83M | $11.8M | $15.63M | $3.31M | $2.4M | $4M | $5.99M | $5.8M | $5.84M | $4.76M | $4.33M | $5.45M | $5.46M | $6.38M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Assets | $402.01M | $48.07M | $38.55M | $35.63M | $35.02M | $35.66M | $32.06M | $35.18M | $32.96M | $34.65M | $35.73M | $34.72M | $38.8M | $40.3M | $41.12M | $44.71M | $44.85M | $41.62M | $43.39M | $38.31M | $31.36M | $30.92M | $28.83M | $23.67M | $22.51M | $18.5M | $10.1M | $9.1M | $8.75M | $8.2M | $12.18M |
| Total Long-Term Assets | $2.01B | $1.67B | $1.33B | $1.13B | $1.06B | $1.07B | $989.15M | $1.03B | $994.24M | $946.9M | $836.66M | $781.1M | $784.17M | $816.2M | $830.8M | $929.78M | $946.13M | $885.75M | $802.28M | $777.18M | $600.62M | $553.06M | $534.09M | $517.78M | $482.31M | $448.22M | $429.5M | $400.59M | $343M | $325.86M | $305.23M |
| Other Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $2.24B | $2.2B | $1.84B | $1.7B | $1.77B | $1.54B | $1.27B | $1.21B | $1.18B | $1.13B | $1.04B | $1B | $984.59M | $1.03B | $990.25M | $951.89M | $979.37M | $902.46M | $820.37M | $799.33M | $621.36M | $563.27M | $549.7M | $532.36M | $498.85M | $465.99M | $444.7M | $425M | $353.87M | $336.12M | $313.47M |
| Liabilities | |||||||||||||||||||||||||||||||
| Current Liabilities | |||||||||||||||||||||||||||||||
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Short-Term Debt | $0 | $681K | $130M | $0 | $0 | $0 | $0 | $0 | $0 | $24.27M | $0 | $9.08M | $23.83M | $42.21M | $53.1M | $51.16M | $55.85M | $83.16M | $68.16M | $85.11M | $56.07M | $51.01M | $63.51M | $47.83M | $44.36M | $33.04M | $39.7M | $0 | $0 | $0 | $0 |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $1.84B | $1.81B | $1.54B | $1.55B | $1.58B | $1.35B | $1.13B | $1.08B | $1.05B | $982.12M | $918.51M | $881.18M | $845.72M | $874.44M | $787.99M | $734.33M | $738.37M | $627.34M | $606.28M | $595.29M | $456.8M | $399.9M | $372.43M | $371.89M | $354.04M | $357.21M | $333.3M | $326.58M | $274.56M | $268.2M | $257.21M |
| Total Current Liabilities | $1.84B | $1.82B | $1.67B | $1.55B | $1.58B | $1.35B | $1.13B | $1.08B | $1.05B | $1.01B | $918.51M | $890.26M | $869.56M | $916.65M | $841.09M | $785.5M | $794.22M | $710.5M | $674.43M | $680.4M | $512.87M | $450.9M | $435.94M | $419.71M | $398.41M | $390.25M | $373M | $326.58M | $274.56M | $268.2M | $257.21M |
| Long-Term Liabilities | |||||||||||||||||||||||||||||||
| Long-Term Debt | $210.84M | $219.7M | $19.66M | $19.62M | $19.59M | $19.55M | $0 | $0 | $0 | $0 | $0 | $0 | $12.4M | $12.41M | $48.34M | $70.89M | $94.69M | $106.14M | $59.71M | $38.45M | $48.55M | $52.36M | $56.47M | $59.61M | $50.36M | $29.48M | $29.7M | $30.74M | $21.43M | $14.89M | $5.65M |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $13.32M | $13.52M | $11.45M | $8.17M | $7.94M | $10.4M | $11.08M | $8.56M | $17.49M | $4.56M | $5.41M | $7.67M | $7.24M | $6.67M | $13.64M | $12.87M | $11.7M | $12.76M | $8.58M | $8.87M | $4.27M | $5.36M | $5.43M | $5.8M | $4.81M | $3.06M | $2.7M | $27.78M | $21.57M | $17.69M | $15.66M |
| Total Long-Term Liabilities | $228M | $237.48M | $35.92M | $33.93M | $32.38M | $35.29M | $16.24M | $8.56M | $17.49M | $4.56M | $5.41M | $7.67M | $19.64M | $19.08M | $61.98M | $83.75M | $106.39M | $118.9M | $68.3M | $47.31M | $52.82M | $57.72M | $61.9M | $65.41M | $55.18M | $32.54M | $32.4M | $58.52M | $43.01M | $32.58M | $21.31M |
| Other Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $2.06B | $2.05B | $1.7B | $1.59B | $1.62B | $1.39B | $1.14B | $1.09B | $1.06B | $1.01B | $923.92M | $897.93M | $889.2M | $935.73M | $903.07M | $869.25M | $900.61M | $829.4M | $742.73M | $727.72M | $565.69M | $508.63M | $497.84M | $485.13M | $453.58M | $422.78M | $405.4M | $385.1M | $317.56M | $300.78M | $278.52M |
| Stockholders' Equity | |||||||||||||||||||||||||||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $4.71M | $4.71M | $4.71M | $4.71M | $4.71M | $4.71M | $4.71M | $4.7M | $4.69M | $4.69M | $4.66M | $4.61M | $4.56M | $4.5M | $4.42M | $4.32M | $4.3M | $4.3M | $4.3M | $4.3M | $3.81M | $3.81M | $3.04M | $3.04M | $3.04M | $3.04M | $3M | $3.04M | $3.04M | $2.03M | $2.03M |
| Retained Earnings | $154.84M | $139.46M | $133.99M | $125.89M | $116.61M | $102.52M | $94.95M | $83.95M | $82.22M | $83.08M | $78.52M | $71.45M | $65.9M | $62.48M | $60.28M | $57.98M | $54.57M | $52.13M | $47.95M | $42.65M | $38.64M | $35.72M | $34.25M | $31.15M | $28.77M | $25.52M | $22.6M | $20.56M | $17.09M | $17.59M | $14.97M |
| Comprehensive Income & Other | -$21.59M | -$35.51M | -$40.94M | -$51.29M | -$547K | $3.19M | -$5.99M | -$6.38M | -$6.03M | -$4.21M | -$3.72M | -$3.1M | -$4.7M | -$4.05M | -$5.13M | -$5.64M | -$5.14M | -$7.76M | $664K | $236K | $801K | $2.17M | $1.77M | $525K | $224K | $343K | -$1.3M | $1.78M | $1.94M | $613K | $0 |
| Other Stockholders' Equity | $15.69M | $542K | -$6.57M | -$16.41M | $35.74M | $37.95M | $27.87M | $29.75M | $28.24M | $28.72M | $28.2M | $27.46M | $24.93M | $24.66M | $22.48M | $20.34M | $19.9M | $16.63M | $25.4M | $24.67M | $13.23M | $15.11M | $14.56M | $13.04M | $13.45M | $14.63M | $13.7M | $16.29M | $16.17M | $15.72M | $17.96M |
| Total Equity | $175.24M | $144.72M | $132.14M | $114.2M | $157.06M | $145.18M | $127.53M | $118.4M | $115.14M | $116.49M | $111.38M | $103.52M | $95.39M | $91.63M | $87.18M | $82.64M | $78.77M | $73.06M | $77.64M | $71.61M | $55.67M | $54.64M | $51.86M | $47.23M | $45.27M | $43.2M | $39.3M | $39.9M | $36.3M | $35.34M | $34.96M |
| Minority Interest | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $2.24B | $2.2B | $1.84B | $1.7B | $1.77B | $1.54B | $1.27B | $1.21B | $1.18B | $1.13B | $1.04B | $1B | $984.59M | $1.03B | $990.25M | $951.89M | $979.37M | $902.46M | $820.37M | $799.33M | $621.36M | $563.27M | $549.7M | $532.36M | $498.85M | $465.99M | $444.7M | $425M | $353.87M | $336.12M | $313.47M |
| Supplementary Data | |||||||||||||||||||||||||||||||
| Total Debt | $214.69M | $223.96M | $154.48M | $25.77M | $24.45M | $24.89M | $5.16M | $0 | $0 | $24.27M | $0 | $9.08M | $36.24M | $54.62M | $101.44M | $122.05M | $150.54M | $189.3M | $127.87M | $123.56M | $104.61M | $103.37M | $119.98M | $107.44M | $94.72M | $62.51M | $69.4M | $30.74M | $21.43M | $14.89M | $5.65M |
| Net Debt | $85.97M | $18.85M | $125.11M | -$53.11M | -$161.2M | -$45M | -$87.41M | -$52.96M | -$58.6M | -$12.39M | -$39.17M | -$39.51M | -$4.51M | -$23.21M | $67.3M | $99.94M | $117.3M | $172.59M | $109.78M | $101.41M | $83.88M | $93.16M | $104.36M | $92.86M | $78.19M | $44.74M | $54.2M | $6.33M | $10.57M | $4.63M | -$2.59M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2011 | FY 2010 | FY 2009 | FY 2008 | FY 2007 | FY 2006 | FY 2005 | FY 2004 | FY 2003 | FY 2002 | FY 2001 | FY 2000 | FY 1999 | FY 1998 | FY 1997 | FY 1996 | FY 1995 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 | 2005-12-31 | 2004-12-31 | 2003-12-31 | 2002-12-31 | 2001-12-31 | 2000-12-31 | 1999-12-31 | 1998-12-31 | 1997-12-31 | 1996-12-31 | 1995-12-31 |
| Operating Activities | |||||||||||||||||||||||||||||||
| Net Income | $21.23M | $11.1M | $13.6M | $14.94M | $19.62M | $12.8M | $16.11M | $6.13M | $2.18M | $8.09M | $10.2M | $8.4M | $6.23M | $5.37M | $6.57M | $7.61M | $6.58M | $8.6M | $9.26M | $7.57M | $6.11M | $5.19M | $5.84M | $5.57M | $5.59M | $5.01M | $5.1M | $4.8M | $4.36M | $4.13M | $4.18M |
| Depreciation & Amortization | $2.15M | $2.09M | $2.02M | $1.44M | $1.2M | $1.33M | $1.37M | $1.33M | $1.38M | $1.4M | $1.54M | $1.98M | $1.96M | $1.97M | $2.09M | $1.92M | $2.04M | $2.48M | $1.49M | $1.5M | $1.63M | $1.91M | $2.06M | $1.65M | $989K | $938K | $1M | $761K | $775K | $741K | $627K |
| Deferred Income Tax | -$751K | -$473K | $1.14M | $1.17M | $90K | -$1.95M | $1.88M | -$1K | -$831K | -$832K | -$111K | $294K | $348K | $367K | -$91K | -$240K | -$742K | $246K | -$56K | $138K | -$391K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Stock-Based Compensation | $819K | $634K | $483K | $462K | $204K | $197K | $0 | $185K | $161K | $88K | $74K | $0 | $0 | $0 | $0 | $0 | $29K | $112K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Changes in Working Capital: | |||||||||||||||||||||||||||||||
| Accounts Receivable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1.66M | -$141K | -$78K | $963K | -$3.48M | -$1.14M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $4K | -$154K | -$138K | -$214K |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $880K | $3.84M | $699K | -$515K | $399K | -$1.89M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $169K |
| Other Working Capital | $821K | $1.69M | $2.93M | -$313K | $1.8M | -$4.9M | $1.47M | -$1.65M | $717K | -$451K | -$866K | $1.18M | -$455K | -$1.37M | -$682K | -$672K | $0 | -$660K | $3.63M | -$26.07M | $1K | $241K | $168K | -$935K | $1.52M | -$1.06M | -$400K | -$365K | -$368K | $117K | -$615K |
| Total Working Capital Change | $821K | $1.69M | $2.93M | -$313K | $1.8M | -$4.9M | $1.47M | -$1.65M | $717K | -$451K | -$866K | $1.18M | $2.08M | $2.33M | -$61K | -$224K | -$3.08M | -$3.68M | $3.63M | -$26.07M | $1K | $241K | $168K | -$935K | $1.52M | -$1.06M | -$400K | -$361K | -$522K | -$21K | -$660K |
| Other Non-Cash Items | $1.18M | $6.71M | $6.4M | $7.55M | $3.43M | -$1.04M | -$1.88M | $3.31M | $12.65M | $6.56M | $2.45M | $2.5M | $4.77M | $524K | $6.58M | $3.29M | $3.78M | $3.3M | $668K | $23.58M | $5.55M | $5.62M | -$7.69M | $314K | $789K | $256K | $300K | -$223K | $11.56M | $14.64M | $13.48M |
| Net Cash from Operating | $25.44M | $21.75M | $26.57M | $25.24M | $26.35M | $6.43M | $18.97M | $9.3M | $16.25M | $14.86M | $13.29M | $14.36M | $15.4M | $10.56M | $15.09M | $12.36M | $8.62M | $11.05M | $14.99M | $6.72M | $12.9M | $12.97M | $376K | $6.6M | $8.89M | $5.14M | $6M | $4.98M | $16.17M | $19.48M | $17.63M |
| Investing Activities | |||||||||||||||||||||||||||||||
| Capital Expenditures | -$866K | -$2.57M | -$499K | -$12.22M | -$8.81M | -$484K | -$1.65M | -$1.16M | -$1.12M | -$579K | -$1.04M | -$345K | -$527K | -$2.3M | -$742K | -$2.12M | -$1.52M | -$2.57M | -$2.08M | -$2.05M | -$467K | -$982K | -$946K | -$1.24M | -$3.02M | -$2.48M | -$700K | $0 | $0 | $0 | $0 |
| Acquisitions | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | -$1.1M | $0 | -$7.56M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Purchases of Investments | $0 | -$136.27M | -$50.25M | -$87.21M | -$215.59M | -$240.7M | -$104.83M | -$30.18M | -$8.6M | -$985K | -$21.69M | -$41.22M | -$69.1M | -$43.67M | -$37.56M | -$28.12M | -$43.01M | -$42.45M | -$85.72M | -$77.88M | -$55.07M | -$53.27M | -$44.45M | -$57.73M | -$86.88M | -$39.14M | -$107.2M | -$72.08M | -$50.57M | -$62.17M | -$32.8M |
| Sales of Investments | $72.65M | $97.23M | $72.41M | $60.55M | $71.25M | $41.68M | $49.52M | $22.84M | $23.63M | $29.22M | $31.5M | $30.79M | $37.37M | $35.28M | $31.48M | $55.03M | $49.13M | $56.09M | $108.89M | $53.89M | $51M | $40.82M | $53.55M | $41.1M | $64.9M | $46.22M | $101M | $54.66M | $23.97M | $24M | $24.8M |
| Other Investing Activities | -$178.81M | -$142.76M | -$199.92M | -$56.18M | $19.21M | -$77.82M | $33.48M | -$38.99M | -$46.15M | -$130.32M | -$57.94M | -$2.17M | $28.7M | $6.18M | -$26.74M | -$12.53M | -$65.42M | -$107.74M | -$44.27M | -$23.43M | -$48.27M | -$12.98M | -$18.12M | -$17.35M | -$10.75M | -$21.5M | -$26.1M | -$40.51M | -$290K | -$3.46M | -$1.16M |
| Net Cash from Investing | -$107.02M | -$184.37M | -$178.27M | -$95.06M | -$133.94M | -$277.31M | -$23.48M | -$47.49M | -$32.24M | -$102.67M | -$49.17M | -$12.94M | -$3.56M | -$4.51M | -$33.56M | $12.26M | -$60.82M | -$97.77M | -$23.18M | -$57.02M | -$52.81M | -$26.41M | -$9.96M | -$35.21M | -$35.76M | -$16.89M | -$33M | -$57.93M | -$26.9M | -$41.63M | -$9.15M |
| Financing Activities | |||||||||||||||||||||||||||||||
| Debt Repaid | $9M | -$200M | - | - | - | -$19.54M | - | - | - | - | - | $12.4M | $7K | $35.93M | $22.55M | $23.8M | $11.45M | -$46.43M | -$21.27M | $10.1M | $3.81M | $4.11M | $3.14M | -$9.25M | -$20.89M | $219K | $1M | -$19.05M | $4.77M | -$2.04M | -$5.16M |
| Common Stock Issuance | $1.51M | $1.87M | $1.4M | $1.42M | $2.39M | $1.84M | $1.32M | $1.42M | $991K | $1.67M | $1.25M | $923K | $926K | $1.17M | $30K | $959K | $779K | $751K | $0 | $0 | $0 | $144K | $285K | $0 | $0 | $0 | $0 | $172K | $321K | $200K | $198K |
| Common Stock Repurchases | -$1.1M | -$827K | -$2.39M | -$3.33M | -$1.19M | -$1.17M | -$3.85M | -$88K | $0 | -$795K | $0 | $0 | $0 | $0 | $0 | $0 | -$160K | -$1.21M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | -$1.28M | -$2.68M | -$2.23M |
| Dividends Paid | -$5.84M | -$5.63M | -$5.59M | -$5.66M | -$5.52M | -$5.23M | -$5.12M | -$4.6M | -$4.03M | -$3.52M | -$3.14M | -$2.85M | -$2.81M | -$3.17M | -$4.27M | -$4.19M | -$4.14M | -$4.1M | -$3.96M | -$3.56M | -$3.2M | -$2.95M | -$2.74M | -$3.19M | -$2.35M | -$2.11M | -$3M | -$3.6M | -$1.57M | -$1.5M | -$1.42M |
| Other Financing Activities | $20.13M | $277.79M | -$13.42M | -$32.86M | $229.92M | $229.22M | $43.03M | $37.23M | $66.23M | $65.36M | $29.59M | $21.68M | -$46.11M | $87.63M | $55.36M | -$4.03M | $111.02M | $21.06M | $10.98M | $32.52M | $56.9M | $27.46M | $544K | $17.84M | -$3.17M | $23.9M | $6.6M | $17.65M | $7.5M | $10.75M | $698K |
| Net Cash from Financing | $5.69M | $343.08M | $109.94M | -$40.44M | $225.59M | $244.2M | $35.39M | $32.54M | $37.93M | $85.31M | $26.45M | $6.43M | -$48.93M | $37.64M | $30.51M | -$35.76M | $68.74M | $77.95M | $11.53M | $47.72M | $54.44M | $8.04M | $10.63M | $26.64M | $25.64M | $14.41M | $17.6M | $66.25M | $11.31M | $17.76M | -$2.25M |
| Forex Effect | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | -$75.89M | $180.47M | -$41.76M | -$110.25M | $118M | -$26.68M | $30.87M | -$5.65M | $21.94M | -$2.5M | -$9.43M | $7.85M | -$37.09M | $43.69M | $12.04M | -$11.14M | $16.54M | -$8.78M | $3.34M | -$2.59M | $14.53M | -$5.41M | $1.04M | -$1.97M | -$1.23M | $2.65M | -$9.3M | $13.3M | $591K | -$4.38M | $6.23M |
| Supplementary Data | |||||||||||||||||||||||||||||||
| Operating Cash Flow | $25.44M | $21.75M | $26.57M | $25.24M | $26.35M | $6.43M | $18.97M | $9.3M | $16.25M | $14.86M | $13.29M | $14.36M | $15.4M | $10.56M | $15.09M | $12.36M | $8.62M | $11.05M | $14.99M | $6.72M | $12.9M | $12.97M | $376K | $6.6M | $8.89M | $5.14M | $6M | $4.98M | $16.17M | $19.48M | $17.63M |
| Capital Expenditure | -$866K | -$2.57M | -$499K | -$12.22M | -$8.81M | -$484K | -$1.65M | -$1.16M | -$1.12M | -$579K | -$1.04M | -$345K | -$527K | -$2.3M | -$742K | -$2.12M | -$1.52M | -$2.57M | -$2.08M | -$2.05M | -$467K | -$982K | -$946K | -$1.24M | -$3.02M | -$2.48M | -$700K | $0 | $0 | $0 | $0 |
| Free Cash Flow | $24.58M | $19.19M | $26.07M | $13.03M | $17.54M | $5.95M | $17.31M | $8.14M | $15.13M | $14.28M | $12.25M | $14.01M | $14.87M | $8.26M | $14.35M | $10.24M | $7.09M | $8.48M | $12.91M | $4.67M | $12.43M | $11.98M | -$570K | $5.36M | $5.88M | $2.66M | $5.3M | $4.98M | $16.17M | $19.48M | $17.63M |
| Cash at Beginning | $203.61M | $23.14M | $64.9M | $175.15M | $57.15M | $83.83M | $52.96M | $58.6M | $36.66M | $39.17M | $48.59M | $40.74M | $77.83M | $34.14M | $22.11M | $33.25M | $16.71M | $25.49M | $22.15M | $24.74M | $10.21M | $15.62M | $14.57M | $16.54M | $17.77M | $15.12M | $24.4M | $11.11M | $10.52M | $14.9M | $8.67M |
| Cash at End | $127.72M | $203.61M | $23.14M | $64.9M | $175.15M | $57.15M | $83.83M | $52.96M | $58.6M | $36.66M | $39.17M | $48.59M | $40.74M | $77.83M | $34.14M | $22.11M | $33.25M | $16.71M | $25.49M | $22.15M | $24.74M | $10.21M | $15.62M | $14.57M | $16.54M | $17.77M | $15.1M | $24.41M | $11.11M | $10.52M | $14.9M |