---
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"
generated_at: "2026-05-30T11:58:01.494103+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# 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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000723646-24-000063
- JSON: https://secwatch.observer/filing/0000723646-24-000063.json
- Plain text: https://secwatch.observer/filing/0000723646-24-000063.txt

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