{"schema_version":"secwatch.filing_event.v1","accession":"0000723646-26-000008","form_type":"8-K","ticker":"FRAF","cik":"0000723646","company_name":"FRANKLIN FINANCIAL SERVICES CORP /PA/","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.586859+00:00","generated_at":"2026-05-16T07:42:08.455042+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 Q4 EPS $1.35, up from $0.11 YoY; dividend raised 3.1% to $0.33","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000723646-26-000008","json":"https://secwatch.observer/filing/0000723646-26-000008.json","markdown":"https://secwatch.observer/filing/0000723646-26-000008.md","text":"https://secwatch.observer/filing/0000723646-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723646/000072364626000008/0000723646-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723646/000072364626000008/fraf-20260127x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:42:08.455042+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"}