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 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.
Franklin Financial Services Corp. President & COO Charles Benner Jr reported a compensation-related equity grant. He acquired 1,020 restricted stock units (RSUs) of Common Stock at no cost under the company’s 2019 Omnibus Stock Incentive Plan.
The RSUs vest in three equal installments on April 29, 2027, April 29, 2028, and April 29, 2029, subject to continued service. After this award, his reported total direct holdings are 5,918 shares, including previously reported unvested RSUs.
Franklin Financial Services Corporation reported the results of its annual shareholder meeting held on April 28, 2026. Shareholders elected four directors to Class A for three-year terms, including Craig W. Best, G. Warren Elliott, Stanley J. Kerlin and Kimberly M. Rzomp.
Shareholders also approved, on an advisory basis, the compensation of the company’s named executive officers. In addition, they ratified the selection of Crowe LLP as the independent registered public accounting firm for 2026, confirming support for the company’s current governance and audit arrangements.
Franklin Financial Services Corporation, parent of F&M Trust, announced that Charles “Chad” B. Carroll Jr. has been promoted to President of the Corporation and President and Chief Operating Officer of the Bank, effective April 28, 2026.
Carroll, age 54, has served as Senior Executive Vice President and Chief Operating Officer of the Bank since 2023 and previously held senior roles at S&T Bank. Craig W. Best will remain Chief Executive Officer of both the Corporation and the Bank and will continue on their Boards.
In connection with the promotion, Carroll will receive $60,000 in restricted stock vesting pro rata over three years, and his annual performance-based restricted stock grant percentages will increase at threshold, target, and outstanding award levels. The company states there are no related-party transactions or additional material arrangements tied to this promotion.
Franklin Financial Services Corporation reported significantly stronger first quarter 2026 results. Net income for the three months ended March 31, 2026 was $6.637 million, up from $3.922 million a year earlier, with diluted earnings per share rising to $1.48 from $0.88.
Profitability ratios improved, as return on average assets reached 1.20% and return on average equity was 15.13%. Net interest margin expanded to 3.53%, while the efficiency ratio improved to 63.64%. The company declared a regular cash dividend of $0.33 per share and reported total assets of $2.298 billion and total deposits of $1.890 billion.
Franklin Financial Services Corporation declared a $0.34 per share regular cash dividend for the second quarter of 2026, slightly higher than recent payouts.
The dividend compares with $0.33 per share in both the first quarter of 2026 and the second quarter of 2025, a 3.0% increase over the same quarter in 2025. It will be paid on May 27, 2026 to shareholders of record at the close of business on May 1, 2026.
Snook Gregory I reported acquisition or exercise transactions in this Form 4 filing.
Franklin Financial Services Corp. director Gregory I. Snook received an award of 128 shares of common stock at an indicated value of $50.56 per share. The shares were issued in lieu of cash for part of his director fees and are held directly.
Following this compensation-related grant, Snook directly owns 9,416 shares of Franklin Financial common stock, a figure that includes previously reported unvested restricted stock units.
Kerlin Stanley J reported acquisition or exercise transactions in this Form 4 filing.
Franklin Financial Services Corp. director Stanley J. Kerlin received 155 shares of Common Stock as a stock-based fee. The shares were granted on March 30, 2026 at a stated value of $50.56 per share in lieu of cash for a portion of his director’s fees. Following this award, he directly owns 27,070 Common Stock shares, which the filing notes includes previously reported unvested restricted stock units.