Franklin Financial Q1 net income $3.9M ($0.88 EPS), +16.7% YoY; CEO retiring; dividend up 3.1%

FRANKLIN FINANCIAL SERVICES CORP /PA/

2025-Q1 EPS reported $0.88

Net income $3.9M ($0.88 diluted EPS) vs $3.4M ($0.77) in Q1 2024, up 16.7%.
Net interest margin 3.05% (annualized) vs 2.88% a year ago; net loans +$57.3M (4.2%) from year-end.
Deposits grew $51.9M (2.9%) with cost 2.02%; ROA 0.72%, ROE 10.80%.
Declared $0.33 quarterly dividend, +3.1% over prior quarter; payable May 28; record May 2.
CEO Tim Henry retiring May 2, 2025; President Craig Best to become CEO.

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