FRAF at a glance
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF, SEC CIK 723646) filed its latest 10-K annual report on March 13, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on August 18, 2026 and Form 4 insider filings as recently as September 28, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) reported revenue of $114.4 million (up 12.7% from FY2024) and net income of $21.2 million. Diluted EPS was $4.74.
- The most recent insider open-market purchase reported on Form 4 was by Duffey Gregory A on August 26, 2026 of 16 shares at $62.08 per share.
- In the last 90 days, FRAF insiders reported 2 open-market purchases ($2K) and 0 open-market sales ($0) on Form 4, a net purchase of $2K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $114.4M
- +12.7% vs prior year
- Insiders · 90 days
- 2 buys · 0 sells
- Net +$2K
- Latest 8-K
- Aug 18, 2026
- Item 5.02
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $6.6M, up 11.9% YoY from $5.9M
- Net interest margin 3.50% vs 3.21%; ROA 1.14% vs 1.04%
- Best segment Wealth Management fees $2.6M, up 6.1% from $2.4M
- Worst line other noninterest income $84K, down 81.0% from $441K
- Cash $195.0M, up $67.3M from year-end; loans $1.589B and deposits $1.925B at June 30
- Headwinds: $1.6M loan-loss provision and nonperforming loans 1.10% vs 0.71% YoY
Risk Factors
- No material changes to risk factors during six months ended June 30, 2026
- Carried-forward risks remain detailed in the 2025 Annual Report on Form 10-K
- No new regulatory, legal, or compliance risk identified this quarter
- No new liquidity, debt, currency, concentration, operational, or competitive risk identified this quarter
AI summary of the FRAF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Three-year employment term begins August 17, 2026, with automatic one-year renewals absent 180 days’ termination notice
- Change-in-control severance capped at 2.99 times Agreed Compensation, payable within 30 days after separation
Item EX-99.1: Item EX-99.1
- Chad Carroll promoted to President and COO of F&M Trust, expanding leadership responsibilities
- Three-year employment term began August 17, 2026, with automatic one-year renewals unless 180-day notice is provided
Item EX-99.1: Item EX-99.1
- Q1 2026 earnings strength: EPS $1.48 vs $0.88, net income $6.637M vs $3.922M year over year
- Profitability improved materially: NIM 3.53%, ROA 1.20%, and ROE 15.13% versus 3.05%, 0.72%, and 10.80%
Item 7.01: Regulation FD Disclosure
- Investor presentation furnished under Regulation FD for upcoming meetings with investors and analysts
- Exhibit 99.1 contains the substantive company information and is incorporated by reference
Item 2.02: Results of Operations and Financial Condition
- Earnings release covers three and six months ended June 30, 2026
- Exhibit 99.1 contains the financial results and management commentary
Item EX-99.1: Item EX-99.1
- Q2 net income $6.6M, up 11.9% YoY; EPS $1.47 versus $1.32, supported by lower funding costs
- Net interest margin expanded to 3.50% from 3.21%; net interest income increased 12.2% to $19.3M
AI summaries of FRAF 8-K current reports filed with the SEC. What 8-K item codes mean
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Craig Kevin W | A | Sep 28, 2026 | 172 | $62.65 |
| Kerlin Stanley J | A | Sep 28, 2026 | 125 | $62.65 |
| Snook Gregory I | A | Sep 28, 2026 | 103 | $62.65 |
| ELLIOTT G WARREN | A | Sep 28, 2026 | 39 | $62.65 |
| Duffey Gregory A | A | Sep 28, 2026 | 51 | $62.65 |
| Fisher Daniel J | A | Sep 28, 2026 | 78 | $62.65 |
| Duffey Gregory A | Buy | Aug 26, 2026 | 16 | $62.08 |
| Weaver Matthew D | F | Jul 31, 2026 | 1,070 | $63.11 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $76.8M | $101.5M | $114.4M | |
| Net Income | $13.6M | $11.1M | $21.2M | |
| Net Margin | 17.7% | 10.9% | 18.6% | |
| Balance Sheet | ||||
| Total Assets | $1.8B | $2.2B | $2.2B | |
| Equity | $132.1M | $144.7M | $175.2M | |
| ROE | 10.3% | 7.7% | 12.1% | |
| Per Share | ||||
| EPS | $3.10 | $2.51 | $4.74 | |
| Cash Flow | ||||
| Operating CF | $26.6M | $21.8M | $25.4M | |
Source: XBRL data in FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
FRAF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 28, 2026 | - | - | - |
| 4 | Sep 28, 2026 | - | - | - |
| 4 | Sep 28, 2026 | - | - | - |
| 4 | Sep 28, 2026 | - | - | - |
| 4 | Sep 28, 2026 | - | - | - |
| 4 | Sep 28, 2026 | - | - | - |
| 4 | Aug 27, 2026 | - | - | - |
| 8-K | Aug 18, 2026 | - | Analysis | - |
| 10-Q | Aug 10, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Jul 30, 2026 | - | - | - |
| 4 | Jul 30, 2026 | - | - | - |
| 4 | Jul 30, 2026 | - | - | - |
| 8-K | Jul 24, 2026 | - | Analysis | - |
| 8-K | Jul 24, 2026 | - | Analysis | - |
| 8-K | Jul 24, 2026 | - | Analysis | - |
| 8-K | Jul 17, 2026 | - | Analysis | - |
| 4 | Jun 29, 2026 | - | - | - |
| 4 | Jun 29, 2026 | - | - | - |
| 4 | Jun 29, 2026 | - | - | - |
| 4 | Jun 29, 2026 | - | - | - |
| 4 | Jun 29, 2026 | - | - | - |
| 4 | Jun 29, 2026 | - | - | - |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - |
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FRAF SEC filings: frequently asked questions
Are FRAF insiders buying or selling?
In the last 90 days, FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) officers, directors and 10% owners reported 2 open-market purchases worth $2,019 by 1 insider and no open-market sales on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
What was FRAF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) reported revenue of $114.4 million (up 12.7% from FY2024) and net income of $21.2 million. Diluted EPS was $4.74. The figures come from the XBRL data in the 10-K.
What did FRAF report in its latest 8-K?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) filed an 8-K on August 18, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Three-year employment term begins August 17, 2026, with automatic one-year renewals absent 180 days’ termination notice.
What are the latest FRAF SEC filings?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) filed its latest 10-K annual report on March 13, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on August 18, 2026 and a Form 4 insider filing on September 28, 2026.
What is FRAF's SEC CIK number?
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)'s SEC Central Index Key (CIK) is 723646. EDGAR lists every FRAF filing under that number.
Ask anything about FRAF
The research agent reads FRAF's filings, financials, insider trades and 13F holders, then answers with sources.