1st franklin finance geographic diversification within its

Geographic diversification within its lending operations shields 1st Franklin Finance from localized economic shocks, creating a smoother revenue stream that appeals to conservative investors. Material from the Associated Press is Copyright © 2025, Associated Press and may not be published, broadcast, rewritten, or redistributed. Associated Press text, photo, graphic, audio and/or video material shall not be published, broadcast, rewritten for broadcast or publication or redistributed directly or indirectly in any medium. Neither these AP materials nor any portion thereof may be stored in a computer except for personal and noncommercial use. The AP will not be held liable for any delays, inaccuracies, errors or omissions therefrom or in the transmission or delivery of all or any part thereof or for any damages arising from any of the foregoing. All rights reserved. It is with broken hearts that we announce the passing of Jason Martin Davis on December 25th, 2024. Jason was preceded in death by his father, Walter Davis; he is survived by his mother Lillian “Lin” Davis, brother Casey Davis (Cindy), brother Ken Davis, and niece Harley Beth Davis. Comparative analysis against peers shows 1st Franklin Finance delivering stronger net interest margins than the sector average of 4.1%, highlighting a competitive edge in pricing loans. This advantage is likely to keep earnings stable even in slower credit growth phases.