{"schema_version":"secwatch.filing_event.v1","accession":"0000723646-25-000077","form_type":"8-K","ticker":"FRAF","cik":"0000723646","company_name":"FRANKLIN FINANCIAL SERVICES CORP /PA/","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.014972+00:00","generated_at":"2026-05-17T02:04:26.194928+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 Q3 net income up 26.9% to $5.4M; dividend raised 3.1%","bullets":["Q3 diluted EPS $1.19 vs $0.95 a year ago; net income $5.4M vs $4.2M.","Net interest margin expanded to 3.32% from 2.97% in Q3 2024.","Total net loans grew 11.8% YTD to $1.544B; deposits up 4.8% to $1.903B.","Quarterly dividend increased to $0.33/share, payable Nov 26 to holders of record Nov 7.","Added $894K specific reserve on a $7.3M commercial real estate loan; nonaccrual loans rose to $10.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0000723646-25-000077","json":"https://secwatch.observer/filing/0000723646-25-000077.json","markdown":"https://secwatch.observer/filing/0000723646-25-000077.md","text":"https://secwatch.observer/filing/0000723646-25-000077.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723646/000072364625000077/0000723646-25-000077-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723646/000072364625000077/fraf-20251028x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:04:26.194928+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"}