Every 8-K that Franklin Finl Svcs Corp (FRAF) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow FRAF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FRAF filings page.
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 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%.
Franklin Financial Services Corporation reports that on July 16, 2026 its Board of Directors declared a regular cash dividend of $0.34 per share for the third quarter of 2026. This matches the second quarter 2026 dividend and exceeds the third quarter 2025 dividend of $0.33 per share, a 3.0% year-over-year increase.
The regular quarterly cash dividend is scheduled to be paid on August 26, 2026 to shareholders of record as of the close of business on August 7, 2026.
Franklin Financial Services Corporation filed an amended current report to update a furnished shareholder presentation, while also providing an investor deck used in meetings with analysts and investors. Both presentations are attached as exhibits and are furnished under Regulation FD rather than filed financial statements.
The investor materials highlight strong recent performance. For first quarter 2026, diluted EPS was $1.48, up from $0.88 a year earlier, with net income of $6.6 million. Return on average assets reached 1.20% and return on average equity was 15.13%, supported by a net interest margin of 3.53%.
At March 31, 2026, total loans were about $1.57 billion and total deposits about $1.89 billion. Asset quality indicators remained low, with nonperforming assets at 0.37% of total assets and an allowance for credit losses of 1.32% of total loans. The tangible common equity ratio was 7.42%, and wealth management assets under management were about $1.4 billion, contributing to diversified non-interest income.
Franklin Financial Services Corporation filed an 8-K to furnish updated investor and shareholder presentations highlighting its first quarter 2026 performance and strategic profile.
For Q1 2026, diluted EPS was $1.48 versus $0.88 a year earlier, with net income of $6.6 million. Return on average assets was 1.20% and return on average equity was 15.13%, supported by a net interest margin of 3.53%. As of March 31, 2026, the company reported total assets of $2.3 billion, loans of $1.57 billion, and deposits of $1.89 billion. Wealth management assets under management reached about $1.4 billion, and asset quality metrics remained strong, with nonperforming assets at 0.37% of total assets and an allowance for credit losses of 1.32% of total loans.
Franklin Financial Services Corporation reported the results of its annual shareholder meeting held on April 28, 2026. Shareholders elected four directors to Class A for three-year terms, including Craig W. Best, G. Warren Elliott, Stanley J. Kerlin and Kimberly M. Rzomp.
Shareholders also approved, on an advisory basis, the compensation of the company’s named executive officers. In addition, they ratified the selection of Crowe LLP as the independent registered public accounting firm for 2026, confirming support for the company’s current governance and audit arrangements.
Franklin Financial Services Corporation, parent of F&M Trust, announced that Charles “Chad” B. Carroll Jr. has been promoted to President of the Corporation and President and Chief Operating Officer of the Bank, effective April 28, 2026.
Carroll, age 54, has served as Senior Executive Vice President and Chief Operating Officer of the Bank since 2023 and previously held senior roles at S&T Bank. Craig W. Best will remain Chief Executive Officer of both the Corporation and the Bank and will continue on their Boards.
In connection with the promotion, Carroll will receive $60,000 in restricted stock vesting pro rata over three years, and his annual performance-based restricted stock grant percentages will increase at threshold, target, and outstanding award levels. The company states there are no related-party transactions or additional material arrangements tied to this promotion.
Franklin Financial Services Corporation reported significantly stronger first quarter 2026 results. Net income for the three months ended March 31, 2026 was $6.637 million, up from $3.922 million a year earlier, with diluted earnings per share rising to $1.48 from $0.88.
Profitability ratios improved, as return on average assets reached 1.20% and return on average equity was 15.13%. Net interest margin expanded to 3.53%, while the efficiency ratio improved to 63.64%. The company declared a regular cash dividend of $0.33 per share and reported total assets of $2.298 billion and total deposits of $1.890 billion.
Franklin Financial Services Corporation declared a $0.34 per share regular cash dividend for the second quarter of 2026, slightly higher than recent payouts.
The dividend compares with $0.33 per share in both the first quarter of 2026 and the second quarter of 2025, a 3.0% increase over the same quarter in 2025. It will be paid on May 27, 2026 to shareholders of record at the close of business on May 1, 2026.
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.
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 Corporation disclosed that its Board of Directors authorized the repurchase of up to 150,000 shares of its $1.00 par value common stock. The shares may be acquired at market prices in open market or privately negotiated transactions.
The authorization applies to purchases made from January 1, 2026 through December 31, 2026, providing a defined period during which the company may buy back its stock.
Franklin Financial Services Corporation furnished an investor presentation under Item 7.01 (Regulation FD). The presentation is attached as Exhibit 99.1 and is available on the company’s website. The company notes that the information furnished under Item 7.01, including exhibits, is not deemed “filed” for purposes of Section 18 of the Exchange Act and is not incorporated by reference into other filings unless expressly stated.
The 8-K identifies the company’s common stock trading on the Nasdaq Capital Market under the symbol FRAF. The exhibit is titled “Investor Presentation” and is dated November 12, 2025.
Franklin Financial Services Corporation filed a current report stating that it has issued a news release announcing its earnings for the three and nine months ended September 30, 2025. The company explains that this earnings release, dated October 28, 2025, is attached as Exhibit 99.1 and is incorporated by reference into the report. The filing is primarily a procedural step to make the earnings information publicly available through the SEC system.
Franklin Financial Services Corporation declared a $0.33 per share regular cash dividend for the fourth quarter of 2025. The payout matches the third quarter’s $0.33 and is up from $0.32 in the fourth quarter of 2024, a 3.1% increase year over year. The dividend will be paid on November 26, 2025 to shareholders of record as of November 7, 2025.
Franklin Financial Services Corporation reported that Scott D. Ehrig, Senior Vice President and Chief Wealth Management Officer of Farmers and Merchants Trust Company of Chambersburg, its wholly owned banking subsidiary, has announced his retirement. The retirement will be effective as of the close of business on October 17, 2025. The report is focused on this leadership transition within the wealth management unit and does not describe any related financial terms or broader strategic changes.
Franklin Financial Services Corporation plans to redeem a portion of its 5.00% Fixed to Floating Rate Notes due September 1, 2030. The company notified holders that on September 30, 2025 it will redeem notes having an aggregate principal amount of $9,000,000 in accordance with the terms of the notes. The total redemption price will be 60% of the aggregate principal amount of the notes, plus accrued and unpaid interest to, but excluding, the redemption date. The company states that it will use excess cash on hand to fund the redemption.