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FRANKLIN FINANCIAL SERVICES CORP (FRAF) director Gregory A. Duffey purchased common stock in the company. On 2026-08-26, he bought 16 shares of FRAF common stock in an open-market or private transaction at $62.08 per share. Following this transaction, he beneficially owns 24,028 shares directly, which includes 101 shares acquired through the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan and previously reported unvested restricted stock units.
FRANKLIN FINANCIAL SERVICES CORP (FRAF) amended the employment agreement of Charles B. Carroll, President of the company and President and Chief Operating Officer of its bank subsidiary. The amended agreement provides a three-year term beginning August 17, 2026, with automatic one-year extensions unless either party gives at least 180 days’ notice; if notice is given, the agreement expires two years after the next anniversary date.
The amendment defines “Agreed Compensation” as the sum of Carroll’s highest annual base salary and the average of his cash bonuses for the three calendar years before termination. Following a Change in Control, if Carroll resigns for Good Reason or is involuntarily terminated without Cause, he may receive a lump-sum payment up to 2.99 times Agreed Compensation, plus up to two years of continued or reimbursed life, disability, medical and other health and welfare benefits. The bank will obtain an independent appraisal of non-solicitation and non-competition covenants for Section 280G parachute payment calculations, and Carroll is eligible for a limited gross-up to cover certain excise taxes.
Franklin Financial Services Corporation reported higher profitability for the three and six months ended June 30, 2026. Six‑month net income rose to $13.2 million from $9.8 million, with diluted EPS increasing to $2.94 from $2.20. Net interest income for the six months increased to $37.9 million from $32.8 million as interest expense declined, while provisions for credit losses also increased.
Total assets were $2.34 billion at June 30, 2026, up from $2.24 billion at year‑end 2025, driven mainly by loan growth to $1.61 billion and higher interest‑earning deposits with other banks. Total deposits grew to $1.92 billion, and shareholders’ equity rose to $183.8 million. The available‑for‑sale securities portfolio had a fair value of $452.3 million with $29.4 million in unrealized losses, contributing to accumulated other comprehensive loss of $23.5 million, slightly worse than year‑end. The allowance for credit losses on loans increased to $21.9 million, reflecting credit risk provisioning alongside balance‑sheet growth.
Franklin Financial Services Corp. SVP and Chief Marketing Officer Matthew D. Weaver exercised 2,250 incentive stock options for common stock at $30.00 per share on July 31, 2026 under the 2013 Incentive Stock Option Plan. The exercise was structured as a cashless transaction, with 1,070 shares withheld at a market price of $63.11 to fund the exercise. Weaver continues to hold options on 2,250 additional shares at a $34.10 exercise price expiring February 22, 2028.
Franklin Financial Services Corp. reported that EVP and Chief Risk Officer Lorie M. Heckman exercised 2,500 stock options for common stock on July 29, 2026 through a cashless exercise. 1,333 shares were withheld at $63.99 per share to fund the $34.10-per-share exercise price, and reported totals include 36 dividend reinvestment shares and previously reported unvested restricted stock units.
Franklin Financial Services Corp. director Gregory A. Duffey purchased 16 shares of Common Stock on July 29, 2026 at $64.08 per share in a reported purchase transaction. After this trade, his reported position, including previously reported unvested restricted stock units, totals 23,911 shares.
Franklin Financial Services Corp. executive Karen K. Carmack, SVP and Chief HR Officer, exercised stock options and conducted related share withholdings on July 29, 2026. She exercised options for a total of 4,500 shares of common stock, including 2,250 options at an exercise price of $30.00 per share and 2,250 options at $34.10 per share under the 2013 Incentive Stock Option Plan. To fund these cashless exercises, a total of 2,255 shares of common stock were withheld by the issuer at a market price of $63.99 per share, as reflected in two separate withholding transactions of 1,055 and 1,200 shares. The transactions were not reported as being effected under a Rule 10b5-1 trading plan.
Franklin Financial Services Corporation furnished an updated investor presentation for the second quarter of 2026, amending an earlier report solely to replace the investor slide deck. The materials highlight community bank F&M Trust’s performance and balance sheet as of June 30, 2026.
For the quarter, diluted EPS was $1.47 and net income was $6.6 million, with a return on average assets of 1.14%, return on average equity of 14.80%, and a net interest margin of 3.50%. Total assets were $2.3 billion, loans $1.6 billion, and deposits $1.9 billion. Asset quality metrics included 0.76% nonperforming assets to total assets and an allowance for credit losses equal to 1.36% of total loans. Capital metrics included a Tier 1 common equity ratio of 11.93% and a tangible common equity ratio of 7.52%. The company also reported $1.5 billion of wealth management assets under management, which generated $9.2 million of 2025 wealth management fees and 48% of 2025 non-interest income.
Franklin Financial Services Corporation, parent of F&M Trust, furnished an investor presentation highlighting first‑quarter 2026 performance. Net income was $6.6 million ($6,637 thousand) with diluted EPS of $1.48, compared with $1.35 in Q4 2025 and $0.88 in Q1 2025. Net interest margin reached 3.53%, while return on average assets and equity were 1.20% and 15.13%, respectively; the quarterly dividend was $0.33 per share.
The company reported total assets of $2.3B, total loans of $1.6B, and total deposits of $1.9B, with a market capitalization of about $230M. Asset quality indicators remained low, including nonperforming assets at 0.37% of total assets and an allowance for credit losses of 1.32% of total loans. Capital metrics included a Tier 1 common equity ratio of 11.81% and a tangible common equity ratio of 7.42%, supporting tangible book value of $37.78 per share. The presentation also noted approximately $1.4B in wealth management assets under management.
Franklin Financial Services Corporation reported improved results for the second quarter and first half of 2026. For the quarter ended June 30, 2026, net income was $6.6 million versus $5.9 million a year earlier, and diluted earnings per share were $1.47 versus $1.32. For the first six months, net income was $13.2 million compared with $9.8 million in 2025, while diluted EPS rose to $2.94 from $2.20. Net interest income increased to $19.3 million in the quarter from $17.2 million, and the net interest margin expanded to 3.50% from 3.21%, while the efficiency ratio improved to 59.07% from 63.71%.
Total assets were $2.335 billion at June 30, 2026, up 4.3% from $2.239 billion at December 31, 2025. Loans totaled $1.61 billion and deposits $1.92 billion, and assets under management reached $1.48 billion versus $1.36 billion a year earlier. The regular cash dividend paid in the quarter was $0.34 per share. Book value per share was $40.91 and tangible book value per share $38.90.
Asset quality metrics showed some pressure, with nonperforming loans at 1.10% of gross loans versus 0.71% a year earlier and nonperforming assets at 0.76% of total assets versus 0.47%. The allowance for credit losses was 1.36% of loans compared with 1.26% a year earlier, and annualized return on average assets was 1.14%.