---
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"
generated_at: "2026-05-16T07:42:08.455042+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/723646/000072364626000008/0000723646-26-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/723646/000072364626000008/fraf-20260127x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000723646-26-000008
- JSON: https://secwatch.observer/filing/0000723646-26-000008.json
- Plain text: https://secwatch.observer/filing/0000723646-26-000008.txt

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