Franklin Financial Q4 EPS $1.35, up from $0.11 YoY; dividend raised 3.1% to $0.33

FRANKLIN FINANCIAL SERVICES CORP /PA/

2025-FY EPS reported $4.74

Q4 2025 net income $6.0M ($1.35 diluted EPS) vs $5.4M in Q3 and $0.5M in Q4 2024 (which included $3.4M securities loss).
Full-year 2025 net income $21.2M ($4.74 EPS), up 91.2% from $11.1M in 2024.
Net loans grew 11.6% YoY to $1.541B; deposits up 1.1% to $1.836B after paying off $65M brokered deposits.
Board declared $0.33 quarterly dividend, a 3.1% increase over Q1 2025; payable Feb 25, 2026.
Nonaccrual loans $8.5M (0.55% of loans) vs $266K at year-end 2024; $7.1M CRE construction loan current with $892K specific reserve.

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