Franklin Financial Q4 net income rises 12.9% from last quarter
Overview
Bank holding company's Q4 net income rose 12.9% from Q3 2025
Company's wealth management fees increased 4.6% yr/yr
Company declared on January 15 a 3.1% increase in Q1 2026 dividend
Outlook
Company did not provide specific guidance for future quarters or full-year forecasts
Result Drivers
LOAN PORTFOLIO GROWTH - Net loans increased 11.6% from year-end 2024, driven by commercial and residential real estate loans
INTEREST MARGIN IMPROVEMENT - Net interest margin rose to 3.40% on an annualized basis for Q4 2025, up from 2.92% in Q4 2024, driven by higher interest income from loans
WEALTH MANAGEMENT FEES - Wealth management fees increased 4.6% yr/yr to $2.3 mln
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $1.35 |
|
Q4 Net Income |
| $6.04 mln |
|
Q4 Net Interest Income |
| $18.61 mln |
|
Q4 Provision for Credit Losses on Loans |
| $326,000 |
|
Press Release: ID:nPn2R092Ga
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