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. director reports stock received as fees. A company director acquired 58 shares of common stock on 12/18/2025 at $55.32 per share, received in stock instead of cash for a portion of director fees. After this transaction, the director beneficially owns 23,128 shares of Franklin Financial Services Corp. common stock, including previously reported unvested restricted stock units, held in direct ownership.
Franklin Financial Services Corp. director reports stock compensation transaction. A director of Franklin Financial Services Corp. (FRAF) received 196 shares of common stock on 12/18/2025 at a price of $55.32 per share. These shares were issued in lieu of cash for a portion of the director's fees, meaning compensation was taken in stock rather than cash. After this transaction, the director beneficially owns 26,802 shares of Franklin Financial common stock, which includes previously reported unvested restricted stock units and 147 shares acquired under the company's 2010 Dividend Reinvestment and Stock Purchase Plan. The holdings are reported as directly owned.
Franklin Financial Services Corp. director reports share-based fees
A director of Franklin Financial Services Corp. reported receiving 89 shares of common stock on 12/18/2025. The shares were issued in lieu of cash for a portion of the director's fees, meaning part of the board compensation was paid in stock instead of cash. The transaction price was reported as $55.32 per share.
After this transaction, the director beneficially owned 9,301 shares of Franklin Financial Services common stock in direct ownership. This total includes previously reported unvested restricted stock units and 11 shares acquired under the company's 2012 Dividend Reinvestment and Stock Purchase Plan.
Franklin Financial Services Corp. executive reports stock option activity. The company’s EVP and Chief Credit Services Officer exercised 2,700 incentive stock options at an exercise price of $21.27 per share on 12/18/2025, receiving common stock through a cashless exercise.
The issuer withheld 1,024 shares at a market price of $56.12 per share to cover the difference between the market price and the option exercise price. After these transactions, the executive beneficially owns 6,602 shares of common stock, which includes previously reported unvested restricted stock units. The filing also shows remaining incentive stock options for 2,700 shares at $30.00 per share expiring on 02/23/2027, and 2,700 shares at $34.10 per share expiring on 02/22/2028.
Franklin Financial Services Corp. director Donald H. Mowery reported a bona fide gift of 10,000 shares of the company’s common stock to a non-profit organization on 12/11/2025.
After this charitable transfer, he beneficially owns 44,685 shares, which the report notes include previously reported unvested restricted stock units. The transaction is recorded as a gift, not a sale, and there are no derivative securities reported in connection with this activity.
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 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 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.