---
schema_version: "secwatch.filing_event.v1"
accession: "0000723646-26-000032"
form_type: "8-K"
ticker: "FRAF"
cik: "0000723646"
company_name: "FRANKLIN FINANCIAL SERVICES CORP /PA/"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:42:58.074631+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Franklin Financial Q1 net income $6.6M ($1.48 EPS), up 69% YoY; dividend raised 3% to $0.34

## Summary
- Net income $6.6M ($1.48 diluted EPS) vs $3.9M ($0.88) in Q1 2025, up 69.2%.
- Net interest margin 3.53% vs 3.05% YoY; net interest income up 18.7% to $18.5M.
- Total assets $2.298B (+2.6% from Dec 2025); deposits $1.890B (+2.9%); loans $1.552B (+0.7%).
- Nonaccrual loans $8.5M (0.54% of loans); specific reserve on $7.0M CRE loan increased to $1.0M.
- Quarterly dividend $0.34/share, payable May 27, 2026 to holders of record May 1, 2026; 3% increase.

## SEC filing metadata
- accession: 0000723646-26-000032
- form_type: 8-K
- ticker: FRAF
- cik: 0000723646
- company_name: FRANKLIN FINANCIAL SERVICES CORP /PA/
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/723646/000072364626000032/0000723646-26-000032-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/723646/000072364626000032/fraf-20260423x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000723646-26-000032
- JSON: https://secwatch.observer/filing/0000723646-26-000032.json
- Plain text: https://secwatch.observer/filing/0000723646-26-000032.txt

## Key facts
- Earnings Releases
  FRANKLIN FINANCIAL SERVICES CORP /PA/ reported first quarter ended March 31, 2026 results: net income $6.6 million, EPS $1.48 per diluted share.
  - Period: first quarter ended March 31, 2026
  - Net income: $6.6 million
  - EPS: $1.48 per diluted share
  - Result: reported results
  source text: Net income: $6.6 million ($1.48 per diluted share) for the first quarter of 2026. This is an increase of $594 thousand (9.8%) compared to $6.0 million ($1.35 per diluted share) for the fourth quarter of 2025 and an increase of $2.7 million (69.2%) compared to $3.9 million ($0.88 per diluted share) for the first quarter of 2025.
  evidence_url: https://www.sec.gov/Archives/edgar/data/723646/000072364626000032/0000723646-26-000032-index.htm

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