---
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"
generated_at: "2026-05-17T02:04:26.194928+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Franklin Financial Q3 net income up 26.9% to $5.4M; dividend raised 3.1%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/723646/000072364625000077/0000723646-25-000077-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/723646/000072364625000077/fraf-20251028x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000723646-25-000077
- JSON: https://secwatch.observer/filing/0000723646-25-000077.json
- Plain text: https://secwatch.observer/filing/0000723646-25-000077.txt

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