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) Form 4 filing: Director Gregory A. Duffey bought 25 shares of common stock on 07/30/2025 at $40.48 per share, a total outlay of about $1,012. Following the purchase, Duffey now directly owns 23,436 shares (including previously reported unvested restricted stock units). No derivative transactions were reported.
The filing was executed via power of attorney on 08/01/2025 and reflects a single open-market purchase coded “P”. There were no dispositions, no 10b5-1 plan notations, and no changes in indirect ownership.
While the dollar amount is modest, insider purchases are generally viewed as a positive sentiment indicator, signalling the director’s willingness to add personal capital at the current market price. However, the small size limits its financial materiality for the company and its shareholders.
On 07/30/2025, Matthew D. Weaver, SVP & Chief Marketing Officer of Franklin Financial Services Corp. (FRAF), filed a Form 4 disclosing an option exercise (code M) for 2,150 common shares at an exercise price of $21.27 under the 2013 Incentive Stock Option Plan. To cover exercise costs and taxes, 1,109 shares were withheld by the issuer at the then-market price of $41.26 (code F), resulting in a net addition of 1,041 shares to Weaver’s direct holdings.
Following the transaction, Weaver directly owns 3,381 common shares, up from 2,340. The exercised 2016 grant is now exhausted, while 4,500 unexercised options remain (2,250 at $30 expiring 02/23/2027 and 2,250 at $34.10 expiring 02/22/2028). The cashless exercise locks in an intrinsic gain of roughly $43k but does not represent open-market buying or selling. Overall impact is modest given FRAF’s share count, yet the insider retains the newly acquired shares, a signal of continued confidence in the company’s prospects.
On 28 Jul 2025, Franklin Financial Services Corp. (FRAF) EVP & Chief Risk Officer Lorie M. Heckman exercised 2,700 incentive stock options at a $30 strike price (Code M). To fund the cashless exercise and taxes, the issuer withheld 1,903 shares at the market price of $42.58 (Code F), leaving Heckman with a net increase of 797 common shares.
Following the transactions, her direct ownership stands at 6,587 shares; the 2017 option grant is now fully settled, while 2,700 options with a $34.10 strike expiring 22 Feb 2028 remain outstanding. The activity represents routine compensation management, involves less than 0.02 % of FRAF’s 4.4 m shares outstanding, and is unlikely to affect liquidity or signal a directional view on valuation.
Franklin Financial Services (FRAF) Form 4: SVP & Chief HR Officer Karen K. Carmack exercised 2,250 incentive stock options at an exercise price of $21.27 on 07/25/2025 (Transaction Code M). To satisfy tax withholding, 1,118 shares were simultaneously surrendered to the issuer at $42.83 (Code F).
Net result: Carmack’s direct common-stock holding increased by 1,132 shares to 5,049. The 2016 option grant is now fully exhausted; she continues to hold 2,250 options at $30 (exp. 02/23/2027) and 2,250 options at $34.10 (exp. 02/22/2028).
Based on quoted prices, the gross exercise value approximates $96k and the share withholding about $48k. The transaction appears to be a routine, incentive-plan exercise with a modest net share accumulation, offering limited insight into broader corporate fundamentals.
Franklin Financial Services Corp. (FRAF) – Form 4 filing, 28 Jul 2025
EVP & CFO Mark R. Hollar exercised 2,927 incentive stock options at an exercise price of $34.10 on 25 Jul 2025 (Code “M”). To fund the cashless exercise and satisfy tax obligations, 2,331 shares were withheld/disposed at the market price of $42.83 (Code “F”).
- Net share change: +596 common shares; direct holdings now total 16,168 shares.
- Derivative position: Option balance reduced to 0 as the 2013 ISO grant was fully exercised (original expiry 22 Feb 2028).
The transactions modestly increase the executive’s equity stake and remove a potential overhang from in-the-money options. Given the small size relative to FRAF’s 4.4 m outstanding shares, market impact is expected to be minimal.
FAQ
What is the current stock price of Franklin Finl Svcs (FRAF)?
What is the market cap of Franklin Finl Svcs (FRAF)?
