{"schema_version":"secwatch.filing_event.v1","accession":"0000723646-24-000035","form_type":"8-K","ticker":"FRAF","cik":"0000723646","company_name":"FRANKLIN FINANCIAL SERVICES CORP /PA/","filed_at":"2024-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.785908+00:00","generated_at":"2026-06-03T12:49:40.222662+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Franklin Financial Q1 net income $3.4M ($0.77 EPS); assets exceed $2B; NIM compressed to 2.88%","bullets":["Net income of $3.4M ($0.77 diluted EPS) vs $3.3M ($0.75) in Q1 2023; QoQ down 3.2% from $3.5M.","Total assets hit $2.011B, up 9.5% from year-end 2023; net loans +1.6%, deposits +1.4%.","Net interest margin fell to 2.88% from 3.41% a year ago; provision for credit losses $452K.","Declared Q2 dividend $0.32 per share, payable May 22, 2024 to holders of record May 2, 2024.","Noninterest income up 29.9% YoY; expenses up 10.7% on higher salaries and data processing."],"urls":{"canonical":"https://secwatch.observer/filing/0000723646-24-000035","json":"https://secwatch.observer/filing/0000723646-24-000035.json","markdown":"https://secwatch.observer/filing/0000723646-24-000035.md","text":"https://secwatch.observer/filing/0000723646-24-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723646/000072364624000035/0000723646-24-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723646/000072364624000035/fraf-20240423x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T12:49:40.222662+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"1175ae326b52b0f0792d0c09dc6040b3895de8e5","claim":"FRANKLIN FINANCIAL SERVICES CORP /PA/ reported the three months ended March 31, 2024 results: net income $3.4 million, EPS $0.77.","evidence_excerpt":"Net income for the first quarter of 2024 was $3.4 million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/723646/000072364624000035/0000723646-24-000035-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2024"},{"label":"Net income","value":"$3.4 million"},{"label":"EPS","value":"$0.77"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}