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as of 03-06-2026 3:57pm EST

$50.09
$1.02
-2.00%
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Franklin Financial Services Corp is a bank holding company based in the United States. It is engaged in general commercial, retail banking and trust services normally associated with community banks. It offers a broad range of banking services to businesses, individuals and governmental entities which includes accepting and maintaining cheques, savings, and time deposit accounts, providing investment and trust services, making loans and providing safe deposit facilities. The bank also performs personal, corporate, pension and fiduciary services through its Investment and Trust Services Department.

Founded: 1906 Country:
United States
United States
Employees: 306 City: CHAMBERSBURG
Market Cap: 229.0M IPO Year: 1995
Target Price: N/A AVG Volume (30 days): 18.8K
Analyst Decision: N/A Number of Analysts: N/A
Dividend Yield:
2.58%
Dividend Payout Frequency: quarterly
EPS: 3.39 EPS Growth: -19.03
52 Week Low/High: $32.52 - $57.51 Next Earning Date: 04-28-2026
Revenue: N/A Revenue Growth: N/A
Revenue Growth (this year): N/A Revenue Growth (next year): N/A
P/E Ratio: 15.16 Index: N/A
Free Cash Flow: 21.2M FCF Growth: N/A

AI-Powered FRAF Daily Prediction

Machine learning model trained on 25+ technical indicators

Updated a day ago

AI Recommendation

hold
Model Accuracy: 76.87%
76.87%
Confidence

Disclaimer: This prediction is generated by an AI model and should not be considered as financial advice. Always conduct your own research and consult with financial professionals before making investment decisions.

Stock Insider Trading Activity of Franklin Financial Services Corporation (FRAF)

Buy
FRAF Feb 25, 2026

Avg Cost/Share

$52.33

Shares

19

Total Value

$994.27

Owned After

23,259

SEC Form 4

FRAF Feb 5, 2026

Avg Cost/Share

$46.93

Shares

380

Total Value

$17,833.40

Owned After

4,033

SEC Form 4

Sell
FRAF Dec 22, 2025

Avg Cost/Share

$54.07

Shares

1,500

Total Value

$81,105.00

Owned After

5,842

SEC Form 4

Earnings Transcripts

SEC 8-K filings with transcript text

View All
2025
Q4

Q4 2025 Earnings

8-K BUY

Jan 27, 2026 · 100% conf.

AI Prediction BUY

1D

+0.50%

$48.60

5D

+4.19%

$50.38

20D

+3.73%

$50.16

Price: $48.36 Prob +5D: 100% AUC: 1.000
0000723646-26-000008

fraf-20260127x8k

false000072364600007236462026-01-272026-01-27

United States

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report: January 27, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION(Exact name of registrant as specified in its new charter)

Pennsylvania 001-38884 25-1440803

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

1500 Nitterhouse Drive, Chambersburg, PA 17201

(Address of principal executive office) (Zip Code)

Registrant's telephone number, including area code (717) 264-6116

N/A(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨   Soliciting material pursuant to Rule 14a –12 under the Exchange Act (17 CFR 240.14a –12)

¨   Pre-commencement communications pursuant to Rule 14d – 2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨   Pre-commencement communications pursuant to Rule 13e – 4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of class Symbol Name of exchange on which registered

Common stock

FRAF

Nasdaq Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ¨

Item 2.02 Results of Operations

The news release of Franklin Financial Services Corporation, dated January 27, 2026 and attached as Exhibit 99.1, announces its earnings for the three and twelve months ended December 31, 2025 and is incorporated by reference herein.

Item 9.01 Financial Statements and Exhibits (c) Exhibits. The following exhibits are filed herewith:

Number Description

99.1  News Release, dated January 27, 2026 of Franklin Financial Services Corporation

104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FRANKLIN FINANCIAL SERVICES CORPORATION

By: /s/ Craig W. Best Craig W. Best President and Chief Executive Officer

Dated: January 27, 2026

2025
Q3

Q3 2025 Earnings

8-K

Oct 28, 2025

0000723646-25-000077

fraf-20251028x8k

false000072364600007236462025-10-282025-10-28

United States

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report: October 28, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION(Exact name of registrant as specified in its new charter)

Pennsylvania 001-38884 25-1440803

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

1500 Nitterhouse Drive, Chambersburg, PA 17201

(Address of principal executive office) (Zip Code)

Registrant's telephone number, including area code (717) 264-6116

N/A(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨   Soliciting material pursuant to Rule 14a –12 under the Exchange Act (17 CFR 240.14a –12)

¨   Pre-commencement communications pursuant to Rule 14d – 2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨   Pre-commencement communications pursuant to Rule 13e – 4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of class Symbol Name of exchange on which registered

Common stock

FRAF

Nasdaq Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ¨

Item 2.02 Results of Operations

The news release of Franklin Financial Services Corporation, dated October 28, 2025 and attached as Exhibit 99.1, announces its earnings for the three and nine months ended September 30, 2025 and is incorporated by reference herein.

Item 9.01 Financial Statements and Exhibits (c) Exhibits. The following exhibits are filed herewith:

Number Description

99.1  News Release, dated October 28, 2025 of Franklin Financial Services Corporation

104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FRANKLIN FINANCIAL SERVICES CORPORATION

By: /s/ Craig W. Best Craig W. Best President and Chief Executive Officer

Dated: October 28, 2025

2025
Q2

Q2 2025 Earnings

8-K

Jul 22, 2025

0000723646-25-000055

fraf-20250722x8k

false000072364600007236462025-07-222025-07-22

United States

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report: July 22, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION(Exact name of registrant as specified in its new charter)

Pennsylvania 001-38884 25-1440803

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

1500 Nitterhouse Drive, Chambersburg, PA 17201

(Address of principal executive office) (Zip Code)

Registrant's telephone number, including area code (717) 264-6116

N/A(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨   Soliciting material pursuant to Rule 14a –12 under the Exchange Act (17 CFR 240.14a –12)

¨   Pre-commencement communications pursuant to Rule 14d – 2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨   Pre-commencement communications pursuant to Rule 13e – 4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of class Symbol Name of exchange on which registered

Common stock

FRAF

Nasdaq Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ¨

Item 2.02 Results of Operations

The news release of Franklin Financial Services Corporation, dated July 22, 2025 and attached as Exhibit 99.1, announces its earnings for the three and six months ended June 30, 2025 and is incorporated by reference herein.

Item 8.01 Other Events

On July 17, 2025, the Board of Directors of Franklin Financial Services Corporation declared a $.33 per share regular cash dividend for the third quarter of 2025.  This compares to a $.33 per share regular cash dividend for the second quarter of 2025 and represents a 3.1% increase over the third quarter 2024 dividend of $.32 per share.  The regular quarterly cash dividend will be paid August 27, 2025 to shareholders of record at the close of business on August 1, 2025.

Item 9.01 Financial Statements and Exhibits (c) Exhibits. The following exhibits are filed herewith:

Number Description

99.1  News Release, dated July 22, 2025 of Franklin Financial Services Corporation

104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FRANKLIN FINANCIAL SERVICES CORPORATION

By: /s/ Craig W. Best Craig W. Best President and Chief Executive Officer

Dated: July 22, 2025

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