Welcome to our dedicated page for Franklin Finl Svcs SEC filings (Ticker: FRAF), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Franklin Financial Services Corporation (NASDAQ: FRAF), the Pennsylvania bank holding company for F&M Trust. As a public company in the commercial banking industry, Franklin Financial files periodic and current reports that describe its financial condition, results of operations, risk factors and corporate actions.
Investors can use this filings stream to review Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q, which contain detailed discussions of net interest income, loan and deposit balances, credit quality metrics, noninterest income and expense, capital levels and regulatory ratios. These reports also provide information on the composition of the loan portfolio, including commercial real estate concentrations in collateral segments such as apartment buildings, hotels and motels, office buildings, land development and shopping centers, primarily in the Bank’s market area of south-central Pennsylvania.
Current Reports on Form 8-K offer timely disclosure of specific events. Recent examples include announcements of quarterly earnings releases, regular cash dividend declarations, authorization of share repurchase programs and the planned partial redemption of subordinated notes using excess cash on hand. Other 8-K filings furnish investor presentations or note changes involving senior officers in certain business areas.
On Stock Titan, these filings are updated as they are made available through the SEC’s EDGAR system. AI-powered tools can help summarize lengthy documents, highlight key changes from prior periods and surface items such as dividend actions, capital management decisions and notable credit developments, allowing users to navigate Franklin Financial’s regulatory disclosures more efficiently.
Franklin Financial Services Corp received an updated ownership report from investment adviser Fourthstone LLC and affiliated funds. They report beneficial ownership of 175,570 shares of common stock, representing 3.92% of the company, tied to an event dated December 31, 2025. This percentage is based on 4,479,037 shares outstanding as of October 31, 2025, from Franklin’s recent quarterly report. The filing states the shares were acquired and are held in the ordinary course of business, not to change or influence control, and confirms the group now holds 5% or less of the class.
Franklin Financial Services Corp. chief operating officer Charles Benner Carroll Jr. reported an open-market purchase of common stock. On February 5, 2026, he bought 380 shares of FRAF at $46.93 per share. After this trade, he beneficially owns 4,033 shares directly, including shares acquired through the company’s dividend reinvestment and employee stock purchase plans as well as previously reported unvested restricted stock units.
Franklin Financial Services Corporation filed a current report to share an investor presentation under a Regulation FD disclosure. Company executives may use this presentation in meetings with investors and analysts to explain the Corporation’s business, performance and strategy.
The investor presentation, dated February 2, 2026, is attached as Exhibit 99.1 and is also available on the company’s website at www.franklinfin.com. The material is being furnished under securities laws, meaning it is not treated as formally filed or automatically incorporated into other SEC reports unless specifically referenced.
Franklin Financial Services Corporation filed a current report noting that it has issued a news release announcing its earnings for the three- and twelve-month periods ended December 31, 2025. The company states that this earnings news release, dated January 27, 2026, is attached as an exhibit and incorporated by reference. The filing itself is primarily administrative, directing readers to the separate news release for detailed financial results.
BlackRock, Inc. has disclosed a passive ownership stake in Franklin Financial Services Corp common stock. As of the event date of 12/31/2025, BlackRock reports beneficial ownership of 230,360 shares, representing 5.1% of the outstanding common stock. BlackRock has sole power to vote 226,993 shares and sole power to dispose of 230,360 shares, with no shared voting or dispositive power.
The filing explains that these holdings are attributed to certain BlackRock business units and that various underlying clients have rights to dividends or sale proceeds, but no individual client holds more than five percent of Franklin Financial’s common shares. BlackRock certifies that the shares were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of the company.
Franklin Financial Services Corporation reported several board actions. On January 15, 2026, the board amended the bylaws by removing a section that had limited the Chairman of the Board to three consecutive one-year terms, eliminating those term limits. The board also declared a regular cash dividend of $0.33 per share for the first quarter of 2026, matching the fourth quarter 2025 dividend and up from $0.32 for the first quarter of 2025, a 3.1% year-over-year increase. The dividend is payable on February 25, 2026 to shareholders of record as of February 6, 2026. In addition, the company is furnishing an investor presentation for use in meetings with investors and analysts.
Franklin Financial Services Corp. director reports stock received as fees
A director of Franklin Financial Services Corp. (FRAF) reported receiving 146 shares of common stock on 12/18/2025. The transaction is coded as an acquisition and reflects stock taken in lieu of cash for a portion of the director’s fees at a price of $55.32 per share.
After this transaction, the director beneficially owns 6,687 shares of Franklin Financial common stock in direct form. This total includes previously reported unvested restricted stock units and 17 shares acquired through the company’s 2010 Dividend Reinvestment and Stock Purchase Plan. The filing is a routine disclosure of insider ownership and compensation structure rather than a market transaction in the open market.
Franklin Financial Services Corp. director Stanley J. Kerlin reported acquiring additional common stock through board compensation. On 12/18/2025, he received 142 shares of common stock at $55.32 per share, taken in stock instead of cash for a portion of his director fees. Following this transaction, he beneficially owns 26,463 shares directly, which include previously reported unvested restricted stock units and 66 shares acquired under the company’s 2010 Dividend Reinvestment and Stock Purchase Plan.
Franklin Financial Services Corp. director reports stock received as fees. A Franklin Financial Services Corp. (FRAF) director acquired 196 shares of common stock on 12/18/2025 at a reported price of $55.32 per share. The transaction was coded as an acquisition and reflects shares taken in stock instead of cash for a portion of the director’s fees.
Following this transaction, the director beneficially owns 29,693 shares of Franklin Financial Services Corp. common stock, which includes previously reported unvested restricted stock units. The filing is made by a single reporting person in the capacity of director.
Franklin Financial Services Corp. director reports small stock award. A Franklin Financial Services Corp. (FRAF) director acquired 44 shares of common stock on 12/18/2025 at a price of $55.32 per share. These shares were received instead of cash for a portion of the director's fees, meaning part of the board compensation was paid in stock rather than cash.
After this transaction, the reporting person beneficially owned 17,091 shares of Franklin common stock directly, including previously reported unvested restricted stock units and 99 shares acquired under the company's 2010 Dividend Reinvestment and Stock Purchase Plan. An additional 332 shares are reported as indirectly owned through the director's adult child living in the home, with beneficial ownership disclaimed except for any pecuniary interest.