Welcome to our dedicated page for FRANKLIN FINANCIAL SERVICES /PA/ 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.
Our SEC filing database is enhanced with expert analysis from Rhea-AI, providing insights into the potential impact of each filing on FRANKLIN FINANCIAL SERVICES /PA/'s stock performance. Each filing includes a concise AI-generated summary, sentiment and impact scores, and end-of-day stock performance data showing the actual market reaction. Navigate easily through different filing types including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, proxy statements (DEF 14A), and Form 4 insider trading disclosures.
Designed for fundamental investors and regulatory compliance professionals, our page simplifies access to critical SEC filings. By combining real-time EDGAR feed updates, Rhea-AI's analytical insights, and historical stock performance data, we provide comprehensive visibility into FRANKLIN FINANCIAL SERVICES /PA/'s regulatory disclosures and financial reporting.
Franklin Financial Services Corp. President & COO Charles Benner Jr acquired 109 shares of common stock through the company’s 2025 Employee Stock Purchase Plan for the purchase period from December 1, 2025 through May 31, 2026. Under the plan, these shares were bought at a price equal to 90% of the closing price on December 1, 2025. After this plan purchase and prior acquisitions, he directly owns 6,035 shares, which total includes 8 shares from the 2010 Dividend Reinvestment and Stock Purchase Plan and previously reported unvested restricted stock units.
Franklin Financial Services Corp. senior vice president and Chief HR Officer Karen K. Carmack acquired 7 shares of common stock at $47.51 per share through the company’s 2025 Employee Stock Purchase Plan for the December 1, 2025–May 31, 2026 purchase period. Following this routine ESPP acquisition, she directly holds 5,482 common shares. She also holds incentive stock options covering 2,250 underlying shares at an exercise price of $34.10 expiring on February 22, 2028 and 2,250 underlying shares at $30.00 expiring on February 23, 2027.
Franklin Financial Services Corp. CEO Craig W. Best increased his direct ownership of common stock through the company’s 2025 Employee Stock Purchase Plan. He acquired 246 shares at a price of $47.51 per share for the ESPP period from December 1, 2025 through May 31, 2026.
Following this transaction, he directly holds 17,559 shares of common stock, which includes previously reported unvested restricted stock units. This is a routine, compensation-related share acquisition rather than an open-market trade.
Franklin Financial Services Corp. director Gregory A. Duffey reported an open-market purchase of 17 shares of Common Stock at a price of $58.88 per share. After this transaction, he directly owns 23,845 shares, indicating a small incremental increase in his personal stake.
Franklin Financial Services EVP and CCSO Steven D. Butz sold 1,400 shares of Common Stock in an open-market transaction. The sale on May 26, 2026 was at an average price of $57.73 per share. After this transaction, he directly holds 5,610 shares.
FRAF submitted a Form 144 notice reporting proposed sales of common stock tied to prior equity awards. The excerpt lists 1,226 shares from a cashless exercise dated 12/17/2024 and 174 shares from restricted stock units that vested on 03/02/2026. The filing date shown is 05/18/2026, and the securities are listed on Nasdaq.
Franklin Financial Services Corporation reported stronger results for the three months ended March 31, 2026. Net income rose to $6.6 million from $3.9 million a year earlier, with diluted earnings per share increasing to $1.48 from $0.88. Total interest income was $27.8 million and net interest income improved to $18.5 million, helped by lower interest expense. Credit costs eased, with total provision for credit losses at $0.2 million versus $0.8 million in the prior-year quarter. Noninterest income grew to $5.4 million, supported by higher wealth management fees and gains on loan sales, while noninterest expense increased modestly to $15.4 million. Total assets reached $2.30 billion, loans were $1.57 billion, and deposits were $1.89 billion. Regulatory capital ratios at the bank subsidiary remained comfortably above “well capitalized” thresholds, with a common equity Tier 1 ratio of 12.39% and a Tier 1 leverage ratio of 8.99%.
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 Corp. director Gregory A. Duffey reported an open-market purchase of common stock. On April 29, 2026, he bought 18 shares of Franklin Financial at $55.35 per share. Following this transaction, Duffey directly holds 23,723 shares, which the filing notes include previously reported unvested restricted stock units.