{"schema_version":"secwatch.filing_event.v1","accession":"0000723646-25-000013","form_type":"8-K","ticker":"FRAF","cik":"0000723646","company_name":"FRANKLIN FINANCIAL SERVICES CORP /PA/","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.199130+00:00","generated_at":"2026-05-27T08:44:25.129727+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Franklin Financial Q4 net income plunges 86% to $0.11/sh on securities loss; full year down 18.4%","bullets":["Q4 net income $487K ($0.11/diluted) vs $3.5M ($0.79) in Q4 2023, down 86% due to $3.4M after-tax loss on investment securities sold in portfolio restructuring.","Full year 2024 net income $11.1M ($2.51/diluted) vs $13.6M ($3.10) in 2023, down 18.4%.","Net loans up 11.2% to $1.380B; total deposits up 18.1% to $1.816B; total assets $2.198B, up 19.7% YoY.","Net interest margin (NIM) for 2024 was 2.95% vs 3.31% in 2023; net interest income $57.5M, up 7.2%.","Board declared $0.32 regular quarterly dividend, payable Feb 26, 2025; authorized repurchase of up to 150,000 shares through Dec 31, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0000723646-25-000013","json":"https://secwatch.observer/filing/0000723646-25-000013.json","markdown":"https://secwatch.observer/filing/0000723646-25-000013.md","text":"https://secwatch.observer/filing/0000723646-25-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723646/000072364625000013/0000723646-25-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723646/000072364625000013/fraf-20250128x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:44:25.129727+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"}