---
schema_version: "secwatch.filing_event.v1"
accession: "0000723646-24-000051"
form_type: "8-K"
ticker: "FRAF"
cik: "0000723646"
company_name: "FRANKLIN FINANCIAL SERVICES CORP /PA/"
filed_at: "2024-07-23T23:59:59+00:00"
generated_at: "2026-05-31T18:18:37.621932+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Franklin Financial Q2 EPS $0.66, down 9.8% QoQ; declares $0.32 dividend

## Summary
- Q2 2024 net income $3.0M ($0.66 diluted EPS) vs $3.4M ($0.77) in Q1 2024.
- YTD 2024 net income $6.4M ($1.43/share) vs $6.3M ($1.42) in same period 2023.
- Net loans up 4.9% to $1.301B, deposits up 3.2% to $1.586B since Dec 31, 2023.
- Board declared $0.32/share quarterly dividend, payable Aug 28 to holders of record Aug 2.
- Net interest margin 2.94% YTD vs 3.35% in 2023; ROA 0.63% vs 0.75%.

## SEC filing metadata
- accession: 0000723646-24-000051
- form_type: 8-K
- ticker: FRAF
- cik: 0000723646
- company_name: FRANKLIN FINANCIAL SERVICES CORP /PA/
- filed_at: 2024-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/723646/000072364624000051/0000723646-24-000051-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/723646/000072364624000051/fraf-20240723x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000723646-24-000051
- JSON: https://secwatch.observer/filing/0000723646-24-000051.json
- Plain text: https://secwatch.observer/filing/0000723646-24-000051.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.