10-Q quarterly report · filed May 11, 2026

FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) Q1 2026 10-Q Quarterly Report

Short answer

FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) filed its Q1 2026 10-Q quarterly report on May 11, 2026 for the quarter ended Mar 31, 2026. Quarterly revenue was $28M (up 2.6% year over year) with net income of $7M.

Q1 2026 key financials · XBRL

Revenue
$28M
+2.6% YoY
Net income
$7M
+69.2% YoY
EPS (diluted)
$1.48
+68.2% YoY

Source: XBRL data from the FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) Q1 2026 10-Q on SEC EDGAR. USD.

FRANKLIN FINANCIAL SERVICES CORP /PA/ Q1 2026 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Net income $6.6M, up 69.2% YoY from $3.9M
  • Net interest margin 3.53% vs 3.05%; ROA 1.20% vs 0.72%
  • Wealth management fees $2.3M, up 4.1% YoY; gain on loan sales $318K, up 191.7%
  • Cash and equivalents $210.8M, up $83.1M from year-end; AFS securities principal returned $17.2M
  • Headwinds: economic conditions, interest rates, funding costs, regulation, technology, and financial-services competition

Risk Factors

  • No material risk-factor changes during the three months ended March 31, 2026
  • Carried-forward risks detailed in the 2025 Annual Report on Form 10-K
  • No newly triggered regulatory, legal, operational, competitive, market, or financial risk disclosed

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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