secwatch.observer — SEC 8-K summary
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Issuer:     FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)
CIK:        0000723646
Form:       8-K
Filed at:   2026-01-27T23:59:59+00:00
Accession:  0000723646-26-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/723646/000072364626000008/0000723646-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/723646/000072364626000008/fraf-20260127x8k.htm
  HTML page:      https://secwatch.observer/filing/0000723646-26-000008

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer