---
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"
generated_at: "2026-05-23T04:24:06.052612+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000723646-25-000031
- JSON: https://secwatch.observer/filing/0000723646-25-000031.json
- Plain text: https://secwatch.observer/filing/0000723646-25-000031.txt

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