{"schema_version":"secwatch.filing_event.v1","accession":"0000723646-25-000031","form_type":"8-K","ticker":"FRAF","cik":"0000723646","company_name":"FRANKLIN FINANCIAL SERVICES CORP /PA/","filed_at":"2025-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.110225+00:00","generated_at":"2026-05-23T04:24:06.052612+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Franklin Financial Q1 net income $3.9M ($0.88 EPS), +16.7% YoY; CEO retiring; dividend up 3.1%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000723646-25-000031","json":"https://secwatch.observer/filing/0000723646-25-000031.json","markdown":"https://secwatch.observer/filing/0000723646-25-000031.md","text":"https://secwatch.observer/filing/0000723646-25-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723646/000072364625000031/0000723646-25-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723646/000072364625000031/fraf-20250429x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T04:24:06.052612+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"}