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Franklin Financial Reports 2020 Q4 Earnings; Declares Dividend News provided by Share this article Share this article CHAMBERSBURG, Pa., Jan. 26, 2021 /PRNewswire/  Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $4.6 million ($1.04 per diluted share) for the fourth quarter ended December 31, 2020, compared to third quarter 2020 earnings of $3.5 million ($0.79 per diluted share) and fourth quarter 2019 earnings of $4.4 million ($1.01 per diluted share). Net income for the full year of 2020 was $12.8 million ($2.93 per diluted share) compared with $16.1 million ($3.67 per diluted share) for the same period in 2019.  A summary of operating results for the fourth quarter and year-to-date 2020 are as follows:

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