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.
Scott D. Ehrig, SVP and Chief Wealth Officer of Franklin Financial Services Corp (FRAF), reported a sale of 1,060 shares of the company's common stock on 08/27/2025 at a price of $46.83 per share. After this transaction Mr. Ehrig beneficially owns 1,942 shares in total; the filing clarifies that this total includes previously reported unvested restricted stock units. The Form 4 was signed by an authorized representative on 08/29/2025. The filing documents an individual insider sale and the remaining reported holdings include both vested and unvested equity.
Charles B. Carroll Jr., Executive Vice President and Chief Operating Officer of Franklin Financial Services Corp. (FRAF), reported a sale of common stock. On 08/28/2025 he disposed of 650 shares at a price of $46.55 per share, leaving him with 3,498 shares beneficially owned after the transaction. The reported total includes 13 shares acquired under the companys 2010 Dividend Reinvestment and Stock Purchase Plan and also reflects previously reported unvested restricted stock units. The Form 4 was filed by one reporting person and signed by power of attorney on 08/29/2025.
Mark R. Hollar, EVP/CFO and director of Franklin Financial Services Corp (FRAF), reported a sale of 179 shares of the issuer's common stock on 08/27/2025 at a price of $46.75 per share. After the transaction he is reported to beneficially own 15,991 shares, which the filing notes includes previously reported unvested restricted stock units. The Form 4 was submitted by an attorney-in-fact, Amanda M. Ducey, on behalf of Mr. Hollar.
David M. Long, Senior Vice President and Chief Technology Officer of Franklin Financial Services Corp (FRAF), reported a sale of 137 shares of the issuer's common stock on 08/25/2025 at a reported price of $44.30 per share. Following the reported disposition, Mr. Long beneficially owns 1,181 shares, which includes 3 shares acquired under the company’s 2010 Dividend Reinvestment and Stock Purchase Plan and previously reported unvested restricted stock units. The Form 4 was signed by power of attorney on 08/26/2025. The filing indicates the transaction was a direct sale and lists Mr. Long’s relationship to the issuer as an officer and director.
Franklin Financial Services Corporation plans to redeem a portion of its 5.00% Fixed to Floating Rate Notes due September 1, 2030. The company notified holders that on September 30, 2025 it will redeem notes having an aggregate principal amount of $9,000,000 in accordance with the terms of the notes. The total redemption price will be 60% of the aggregate principal amount of the notes, plus accrued and unpaid interest to, but excluding, the redemption date. The company states that it will use excess cash on hand to fund the redemption.
Fourthstone and affiliated funds report a material passive stake in Franklin Financial Services. The Schedule 13G/A discloses beneficial ownership of 375,872 shares, representing 8.43% of the class based on the issuer's reported 4,458,298 shares outstanding. The holdings are held across Fourthstone LLC, Fourthstone Master Opportunity Fund Ltd., Fourthstone GP LLC, Fourthstone QP Opportunity Fund LP, Fourthstone Small-Cap Financials Fund LP and L. Phillip Stone, IV.
The filing states the shares were acquired in the ordinary course of business by Fourthstone as a registered investment adviser and that the positions were not acquired to influence or change control of the issuer. The cover pages show the split of shared voting and dispositive power among the Reporting Persons.
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.