{"schema_version":"secwatch.filing_event.v1","accession":"0000723646-24-000063","form_type":"8-K","ticker":"FRAF","cik":"0000723646","company_name":"FRANKLIN FINANCIAL SERVICES CORP /PA/","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.916267+00:00","generated_at":"2026-05-30T11:58:01.494103+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Franklin Financial Q3 net income $4.2M ($0.95 EPS), up 9.3% YoY; dividend $0.32; expects $3.4M after-tax loss in Q4","bullets":["Q3 2024 net income $4.2M ($0.95 diluted EPS) vs $3.9M ($0.88) in Q3 2023, up 9.3%.","Total assets $2.151B (+17.2% YTD); net loans $1.348B (+8.7%); deposits $1.723B (+12.1%).","Net interest margin 2.97% in Q3, down from 3.29% a year ago; ROA YTD 0.69% vs 0.78%.","Board declared $0.32 regular quarterly dividend, payable Nov 27 to holders of record Nov 1.","Subsequent to quarter end, sold $46.7M low-yield securities; expects $3.4M after-tax loss in Q4 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000723646-24-000063","json":"https://secwatch.observer/filing/0000723646-24-000063.json","markdown":"https://secwatch.observer/filing/0000723646-24-000063.md","text":"https://secwatch.observer/filing/0000723646-24-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723646/000072364624000063/0000723646-24-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723646/000072364624000063/fraf-20241022x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:58:01.494103+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}