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 Corporation reported a strong rebound in 2025 results. Net income rose to $21.2 million, or $4.74 per diluted share, up from $11.1 million and $2.51 in 2024, helped by the absence of prior-year securities losses and higher core earnings.
Total assets reached $2.24 billion, with net loans increasing to $1.54 billion and deposits to $1.84 billion. Return on average assets improved to 0.94% and return on average equity to 13.55%, while the efficiency ratio strengthened to 66.48%. Asset quality remained solid, with nonperforming loans at 0.55% of gross loans and an allowance for credit losses of 1.32%.
Franklin Financial Services Corp. director Gregory I. Snook reported an open-market purchase of 2,200 shares of common stock at $48.18 per share. Following this transaction, he directly holds 9,288 shares, and a footnote explains that this total includes previously reported unvested restricted stock units.
Franklin Financial Services Corp. executive equity award and tax withholding transaction
Franklin Financial Services Corp. Senior Vice President and Chief Marketing Officer Matthew D. Weaver reported equity compensation activity involving the company’s Common Stock. He received a grant of 443 restricted stock units under the issuer’s 2019 Omnibus Stock Incentive Plan, at a stated price of $0.00 per share. These RSUs each represent a contingent right to receive one share of Common Stock and vest in three equal installments on March 1, 2027, March 1, 2028, and March 1, 2029, subject to continued service. In a related move, 159 shares of Common Stock were withheld at $51.48 per share to satisfy his income tax obligations arising from the vesting of previously reported RSU grants. Following these transactions, he directly owned 3,714 shares of Common Stock, and held incentive stock options representing 2,250 shares.
Franklin Financial Services Corp. senior vice president and chief technology officer David M. Long reported equity compensation-related transactions in the company’s common stock. He acquired 542 shares at no cost in a grant or award under the 2019 Omnibus Stock Incentive Plan and now directly holds 1,582 shares. As part of this filing, 169 shares were withheld by the issuer at a price of $51.48 per share to cover income tax obligations tied to the vesting of previously reported restricted stock units. Footnotes note that his total direct holdings include 6 shares acquired through the 2010 Dividend Reinvestment and Stock Purchase Plan. The reported RSUs vest in three equal installments on March 1, 2027, March 1, 2028, and March 1, 2029, subject to continued service.
Franklin Financial Services Corp Senior EVP and CFO Mark R. Hollar reported routine equity compensation and related tax withholding. He acquired 1,000 shares of Common Stock as a stock grant at $0.00 per share, then had 386 shares withheld at $51.48 per share to cover income taxes on previously vested restricted stock units. After these transactions, he directly owns 17,073 Common shares, which include shares accumulated through the company’s dividend reinvestment and employee stock purchase plans. Footnotes also note a grant of restricted stock units that will vest in three equal installments in 2027, 2028, and 2029, subject to continued service.
Franklin Financial Services EVP and Chief Risk Officer Lorie M. Heckman reported equity compensation activity. She received 426 restricted stock units under the 2019 Omnibus Stock Incentive Plan, which vest in three equal installments on March 1 of 2027, 2028, and 2029, subject to continued service. The filing also shows 173 shares of Common Stock were withheld at $51.48 per share to satisfy income tax obligations from previously reported RSU vesting, leaving her with 6,950 directly held shares of Common Stock and 2,700 Incentive Stock Options.
Franklin Financial Services Corp. SVP Louis J. Giustini reported equity compensation activity and a related tax-withholding share disposition. He received a grant of 628 restricted stock units under the 2019 Omnibus Stock Incentive Plan, each representing one future share of Common Stock. These RSUs vest in three equal installments on March 1, 2027, March 1, 2028, and March 1, 2029, subject to continued service. To cover income tax obligations from previously reported RSU vesting, 179 shares of Common Stock were withheld by the issuer at a price of $51.48 per share, leaving Giustini with 1,847 directly owned shares, including 10 acquired through the 2010 Dividend Reinvestment and Stock Purchase Plan.
Franklin Financial Services Corp (FRAF) insider activity centers on equity compensation and related tax withholding. Senior EVP and COO Charles Benner Jr acquired 1,176 shares of Common Stock on a grant basis at a price of $0.00 per share, increasing his direct holdings to 5,216 shares. In a separate transaction the same day, 318 shares of Common Stock valued at $51.48 per share were withheld by the company to cover his income tax obligations tied to previously vested restricted stock units, leaving him with 4,898 directly owned shares.
Footnotes explain that his equity awards include restricted stock units granted under the 2019 Omnibus Stock Incentive Plan, which vest in three equal installments on March 1, 2027, March 1, 2028, and March 1, 2029, subject to continued service.
Franklin Financial Services Corp. SVP and Chief HR Officer Karen K. Carmack reported equity compensation activity. On March 2, 2026, she acquired 506 shares of Common Stock at $0.00 per share as a grant under the 2019 Omnibus Stock Incentive Plan. The grant consists of restricted stock units that vest in three equal installments on March 1, 2027, March 1, 2028, and March 1, 2029, subject to continued service. The filing also shows a disposition of 196 shares of Common Stock at $51.48 per share, representing shares withheld by the issuer to satisfy income tax obligations on previously reported RSU vesting. Following these transactions, Carmack directly owns 5,449 shares of Common Stock, including small amounts acquired through dividend reinvestment and the employee stock purchase plan.
Franklin Financial Services Corp. executive vice president and chief credit services officer Steven D. Butz reported equity compensation and a related tax withholding transaction. He received an award tied to 794 shares of Common Stock at a stated price of $0.0000 per share, under the issuer's 2019 Omnibus Stock Incentive Plan. Footnote disclosure explains these are restricted stock units that convert into one share of Common Stock each, vesting in three equal installments on March 1, 2027, March 1, 2028, and March 1, 2029, subject to continued service. In a separate transaction, 386 shares of Common Stock at $51.4800 per share were withheld by the company to cover his income tax obligations from the vesting of previously granted restricted stock units. After these transactions, he directly owned 7,010 shares of Common Stock and held incentive stock options representing 2,700 shares.