Franklin Financial (FRAF) issues earnings release for year ended Dec. 31, 2025

Rhea-AI Filing Summary

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.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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United States

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

The Securities Exchange Act of 1934

Date of Report: January 27, 2026

FRANKLIN FINANCIAL SERVICES CORPORATION

(Exact name of registrant as specified in its new charter)

	Pennsylvania	001-38884	25-1440803
	(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

	1500 Nitterhouse Drive, Chambersburg, PA	17201
	(Address of principal executive office)	(Zip Code)
	Registrant's telephone number, including area code	(717) 264-6116

N/A

(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨   Soliciting material pursuant to Rule 14a –12 under the Exchange Act (17 CFR 240.14a –12)

¨   Pre-commencement communications pursuant to Rule 14d – 2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨   Pre-commencement communications pursuant to Rule 13e – 4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:



Title of class	Symbol	Name of exchange on which registered
Common stock	FRAF	Nasdaq Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ¨

‎

Item 2.02 Results of Operations

The news release of Franklin Financial Services Corporation, dated January 27, 2026 and attached as Exhibit 99.1, announces its earnings for the three and twelve months ended December 31, 2025 and is incorporated by reference herein.

Item 9.01 Financial Statements and Exhibits

(c) Exhibits. The following exhibits are filed herewith:

Number Description

99.1  News Release, dated January 27, 2026 of Franklin Financial Services Corporation   

104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FRANKLIN FINANCIAL SERVICES CORPORATION

By: /s/ Craig W. Best

Craig W. Best

President and Chief Executive Officer

Dated: January 27, 2026

FAQ

What did Franklin Financial Services Corporation (FRAF) disclose in this 8-K?

The company disclosed that it issued a news release announcing its earnings for the three and twelve months ended December 31, 2025, and attached that release as an exhibit.

Where can investors find Franklin Financial (FRAF)'s detailed earnings for 2025?

Detailed earnings information is provided in the news release dated January 27, 2026, which is attached as Exhibit 99.1 and incorporated by reference.

Which period do the Franklin Financial (FRAF) earnings discussed in this filing cover?

The earnings discussed cover the three-month and twelve-month periods ended December 31, 2025.

What exhibits did Franklin Financial Services Corporation (FRAF) include with this 8-K?

The filing includes Exhibit 99.1, a news release dated January 27, 2026, and Exhibit 104, the cover page formatted in Inline XBRL.

Who signed the Franklin Financial (FRAF) 8-K related to the 2025 earnings release?

The report was signed on behalf of Franklin Financial Services Corporation by Craig W. Best, its President and Chief Executive Officer.