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 Corp (FRAF) reports that one of its directors made bona fide gifts of the company’s common stock on 12/09/2025. The director transferred 500 shares and a further 200 shares of common stock to non-profit organizations, with both transactions coded as gifts.
Following these transfers, the director beneficially owns 23,070 shares of Franklin Financial common stock, held directly and including previously reported unvested restricted stock units. These transactions reflect charitable giving rather than open-market buying or selling.
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 (FRAF) reported stronger Q3 results. Net income rose to $5,354 from $4,218 a year ago as net interest income increased to $18,193 from $14,652. Basic EPS was $1.20 versus $0.96. For the nine months, net income was $15,183 compared to $10,612.
Total assets reached $2,297,077, supported by loan growth to $1,563,867 from $1,398,077 and deposits of $1,902,895 from $1,815,647. Shareholders’ equity improved to $166,343, aided by an improvement in accumulated other comprehensive loss to $(25,806) from $(35,508) as unrealized losses on AFS securities narrowed to $30,932 from $45,710.
Credit costs increased with a Q3 provision of $1,198 and allowance for credit losses at $20,352 versus $17,653. The company identified two collateral-dependent commercial real estate loans totaling $10,200 and established an $894 specific reserve on a construction loan. Subordinated notes declined to $10,841, following a $9,000 redemption year-to-date. There were 4,479,037 common shares outstanding as of October 31, 2025.
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.
Gregory I. Snook, a director of Franklin Financial Services Corp (FRAF), acquired 166 shares of the company's common stock on 09/22/2025 at a reported price of $48.92 per share. The filing states these shares were received in lieu of cash for a portion of his director's fees. After the transaction, Snook beneficially owned 6,524 shares, a total that includes previously reported unvested restricted stock units and 18 shares acquired under the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.
Franklin Financial Services Corp (FRAF) director Stanley J. Kerlin reported a non-derivative acquisition of 160 shares of the issuer's common stock on 09/22/2025 at a reported price of $48.92 per share, with the shares received in lieu of cash for part of his director's fees.
Following this transaction the reporting person beneficially owns 26,255 shares, a total that includes previously reported unvested restricted stock units and 75 shares acquired under the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.
Franklin Financial Services director Daniel J. Fisher reported a Form 4 disclosing receipt of 221 shares of the issuer's common stock on 09/22/2025 as payment in lieu of cash for a portion of his director fees. The transaction price is reported as $48.92 per share. After the transaction, Mr. Fisher beneficially owns 29,497 shares, a total that the filer notes includes previously reported unvested restricted stock units. The Form 4 was signed by Amanda M. Ducey by power of attorney on 09/24/2025.
Franklin Financial Services Corp. (FRAF) director Elliott G. Warren reported a non-derivative transaction on 09/22/2025 where he received 50 common shares in lieu of cash for part of his director fees at an effective price of $48.92 per share. After the transaction he beneficially owns 16,948 shares, which includes previously reported unvested restricted stock units and 114 shares acquired under the company's 2010 Dividend Reinvestment and Stock Purchase Plan. An additional 330 shares are held by his adult child living in the home, which the reporting person disclaims except for any pecuniary interest.
Franklin Financial Services Corp. director Gregory A. Duffey received 65 shares of the company's common stock on 09/22/2025 in lieu of cash for part of his director fees at an effective price of $48.92 per share. After the issuance, Mr. Duffey beneficially owns 23,645 shares, which the form notes includes previously reported unvested restricted stock units. The Form 4 was signed by Amanda M. Ducey by power of attorney on 09/24/2025. The filing indicates this is a routine director compensation transaction.
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