{ "name": "Franklin Financial Services Corp", "legal_name": "FRANKLIN FINANCIAL SERVICES CORP /PA/", "ticker": "FRAF", "tickers": [ "FRAF" ], "cik": "0000723646", "page_url": "https://steadybase.io/company/franklin-financial-services-corp/", "markdown_url": "https://steadybase.io/company/franklin-financial-services-corp.md", "json_url": "https://steadybase.io/company/franklin-financial-services-corp.json", "as_of": "2026-11-10", "last_filed": "2026-08-10", "industry": { "sic": "6022", "description": "State Commercial Banks" }, "headquarters": { "city": "Chambersburg", "state": "PA", "country": "US" }, "exchanges": [ "Nasdaq" ], "fiscal_year_end": "December 31", "filer_category": "Accelerated filer
Smaller reporting company", "state_of_incorporation": "PA", "website": "franklinfin.com", "investor_relations_url": null, "linkedin_company_url": null, "summary": { "text": "Franklin Financial Services Corporation (the “Corporation”) was organized as a Pennsylvania business corporation on June 1, 1983 and is a registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHCA”).", "section": "Item 1. Business", "period_end": "2025-12-31", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, "key_facts": [ { "key": "revenue", "label": "Revenue", "value": 114371000, "unit": "USD", "period_start": "2025-01-01", "period_end": "2025-12-31", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/0000723646-26-000016-index.html", "text": "Revenue: $114.4M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 13, 2026)." }, { "key": "net_income", "label": "Net income", "value": 21226000, "unit": "USD", "period_start": "2025-01-01", "period_end": "2025-12-31", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/0000723646-26-000016-index.html", "text": "Net income: $21.2M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 13, 2026)." }, { "key": "shares_outstanding", "label": "Shares outstanding", "value": 4500683, "unit": "shares", "period_end": "2026-10-31", "form": "10-Q", "filed": "2026-11-09", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000143774926035882/0001437749-26-035882-index.html", "text": "Shares outstanding: 4,500,683 as of Oct 31, 2026 (10-Q filed Nov 9, 2026)." }, { "key": "auditor", "label": "Auditor", "value": "Crowe LLP", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm", "text": "Auditor: Crowe LLP, Washington, D.C, named in the latest 10-K." } ], "metrics": { "revenue": [ { "period_start": "2025-01-01", "period_end": "2025-12-31", "value": 114371000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/0000723646-26-000016-index.html" }, { "period_start": "2024-01-01", "period_end": "2024-12-31", "value": 101451000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/0000723646-26-000016-index.html" }, { "period_start": "2023-01-01", "period_end": "2023-12-31", "value": 76762000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2025-03-14", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364625000020/0000723646-25-000020-index.html" }, { "period_start": "2022-01-01", "period_end": "2022-12-31", "value": 56449000, "unit": "USD", "basis": "filing_fact", "form": "10-K/A", "filed": "2024-03-12", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364624000019/0000723646-24-000019-index.html" }, { "period_start": "2021-01-01", "period_end": "2021-12-31", "value": 47573000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2023-03-10", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364623000018/0000723646-23-000018-index.html" } ], "net_income": [ { "period_start": "2025-01-01", "period_end": "2025-12-31", "value": 21226000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/0000723646-26-000016-index.html" }, { "period_start": "2024-01-01", "period_end": "2024-12-31", "value": 11099000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/0000723646-26-000016-index.html" }, { "period_start": "2023-01-01", "period_end": "2023-12-31", "value": 13598000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2025-03-14", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364625000020/0000723646-25-000020-index.html" }, { "period_start": "2022-01-01", "period_end": "2022-12-31", "value": 14938000, "unit": "USD", "basis": "filing_fact", "form": "10-K/A", "filed": "2024-03-12", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364624000019/0000723646-24-000019-index.html" }, { "period_start": "2021-01-01", "period_end": "2021-12-31", "value": 19616000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2023-03-10", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364623000018/0000723646-23-000018-index.html" } ] }, "next_earnings": { "date": "2027-01-27", "confidence": "estimate", "webcast_url": null }, "people": [ { "name": "Craig W. 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Weaver", "title": "SVP, Chief Marketing Officer", "role": "officer", "linkedin_url": null, "form": "4", "filed": "2026-08-03", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000163898026000002/0001638980-26-000002-index.htm" }, { "name": "Karen K. Carmack", "title": "SVP, Chief HR Officer", "role": "officer", "linkedin_url": null, "form": "4", "filed": "2026-07-30", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000149295026000003/0001492950-26-000003-index.htm" }, { "name": "Lorie M. Heckman", "title": "EVP, Chief Risk Officer", "role": "officer", "linkedin_url": null, "form": "4", "filed": "2026-07-30", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000165188726000003/0001651887-26-000003-index.htm" }, { "name": "David M. Long", "title": "SVP, Chief Technology Officer", "role": "officer", "linkedin_url": null, "form": "4", "filed": "2026-06-02", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000191725926000002/0001917259-26-000002-index.htm" }, { "name": "Steven D. Butz", "title": "EVP, CCSO", "role": "officer", "linkedin_url": null, "form": "4", "filed": "2026-06-01", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000160452526000004/0001604525-26-000004-index.htm" }, { "name": "G. Warren Elliott", "title": "Chairman of the Board", "role": "director", "linkedin_url": null, "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "name": "Louis J. Giustini", "title": "SVP, CRSO", "role": "officer", "linkedin_url": null, "form": "4", "filed": "2026-06-02", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000190562026000002/0001905620-26-000002-index.htm" }, { "name": "Daniel J. Fisher", "title": "Director", "role": "director", "linkedin_url": null, "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "name": "Donald H. Mowery", "title": "Director", "role": "director", "linkedin_url": null, "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "name": "Gregory A. Duffey", "title": "Director", "role": "director", "linkedin_url": null, "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "name": "Gregory I. Snook", "title": "Director", "role": "director", "linkedin_url": null, "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "name": "Kevin W. Craig", "title": "Director", "role": "director", "linkedin_url": null, "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "name": "Kimberly M. Rzomp", "title": "Director", "role": "director", "linkedin_url": null, "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "name": "Martin R. Brown", "title": "Director", "role": "director", "linkedin_url": null, "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "name": "Stanley J. Kerlin", "title": "Director", "role": "director", "linkedin_url": null, "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "name": "Charles B. Carrol1, Jr.", "title": "Named in proxy", "role": "officer", "linkedin_url": null, "form": "DEF 14A", "filed": "2026-03-24", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000020/fraf-20260324xdef14a.htm" } ], "events_8k": [ { "filed": "2026-11-02", "items": [ { "item": "7.01", "label": "Regulation FD disclosure", "signal": "disclosure" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000143774926034437/fraf20260903c_8k.htm" }, { "filed": "2026-10-27", "items": [ { "item": "2.02", "label": "Results of operations and financial condition (earnings release)", "signal": "earnings" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000143774926033640/fraf20260901_8k.htm" }, { "filed": "2026-10-16", "items": [ { "item": "8.01", "label": "Other events", "signal": "other" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000143774926032816/fraf20260903_8k.htm" }, { "filed": "2026-08-18", "items": [ { "item": "5.02", "label": "Departure or appointment of directors or officers; compensation", "signal": "leadership_change" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000078/fraf-20260818x8k.htm" }, { "filed": "2026-07-24", "items": [ { "item": "7.01", "label": "Regulation FD disclosure", "signal": "disclosure" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000065/fraf-20260724x8k.htm" }, { "filed": "2026-07-24", "items": [ { "item": "2.02", "label": "Results of operations and financial condition (earnings release)", "signal": "earnings" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000063/fraf-20260724x8k.htm" }, { "filed": "2026-07-17", "items": [ { "item": "8.01", "label": "Other events", "signal": "other" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000058/fraf-20260717x8k.htm" }, { "filed": "2026-05-01", "items": [ { "item": "7.01", "label": "Regulation FD disclosure", "signal": "disclosure" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000046/fraf-20260501x8k.htm" }, { "filed": "2026-04-29", "items": [ { "item": "5.07", "label": "Submission of matters to a vote of security holders", "signal": "governance" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000037/fraf-20260429x8k.htm" }, { "filed": "2026-04-23", "items": [ { "item": "5.02", "label": "Departure or appointment of directors or officers; compensation", "signal": "leadership_change" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000034/fraf-20260423x8k.htm" } ], "insider_trades": [ { "owner": "Gregory A. Duffey", "role": "Director", "action": "bought", "code": "P", "shares": 16, "value_usd": 993, "date": "2026-08-26", "filed": "2026-08-27", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000163850926000008/0001638509-26-000008-index.htm" }, { "owner": "Gregory A. Duffey", "role": "Director", "action": "bought", "code": "P", "shares": 16, "value_usd": 1025, "date": "2026-07-29", "filed": "2026-07-30", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000163850926000007/0001638509-26-000007-index.htm" }, { "owner": "Gregory A. Duffey", "role": "Director", "action": "bought", "code": "P", "shares": 17, "value_usd": 1001, "date": "2026-05-27", "filed": "2026-06-01", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000163850926000005/0001638509-26-000005-index.htm" }, { "owner": "Steven D. Butz", "role": "EVP, CCSO", "action": "sold", "code": "S", "shares": 1400, "value_usd": 80822, "date": "2026-05-26", "filed": "2026-06-01", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000160452526000004/0001604525-26-000004-index.htm" }, { "owner": "Gregory A. Duffey", "role": "Director", "action": "bought", "code": "P", "shares": 18, "value_usd": 996, "date": "2026-04-29", "filed": "2026-04-30", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000163850926000004/0001638509-26-000004-index.htm" }, { "owner": "Gregory I. Snook", "role": "Director", "action": "bought", "code": "P", "shares": 2200, "value_usd": 105996, "date": "2026-03-09", "filed": "2026-03-11", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000196203426000002/0001962034-26-000002-index.htm" }, { "owner": "Gregory A. Duffey", "role": "Director", "action": "bought", "code": "P", "shares": 19, "value_usd": 994, "date": "2026-02-25", "filed": "2026-02-26", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000163850926000001/0001638509-26-000001-index.htm" }, { "owner": "Charles Benner Carroll Jr", "role": "COO", "action": "bought", "code": "P", "shares": 380, "value_usd": 17833, "date": "2026-02-05", "filed": "2026-02-09", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000183820326000001/0001838203-26-000001-index.htm" }, { "owner": "Kimberly Rzomp", "role": "Director", "action": "sold", "code": "S", "shares": 1500, "value_usd": 81105, "date": "2025-12-22", "filed": "2025-12-23", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000178479125000003/0001784791-25-000003-index.htm" }, { "owner": "Gregory A. Duffey", "role": "Director", "action": "bought", "code": "P", "shares": 19, "value_usd": 1024, "date": "2025-11-26", "filed": "2025-11-28", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000163850925000012/0001638509-25-000012-index.htm" }, { "owner": "Charles Benner Carroll Jr", "role": "EVP, COO", "action": "sold", "code": "S", "shares": 650, "value_usd": 30257, "date": "2025-08-28", "filed": "2025-08-29", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000183820325000005/0001838203-25-000005-index.htm" }, { "owner": "Scott D. Ehrig", "role": "SVP, Chief Wealth Officer", "action": "sold", "code": "S", "shares": 1060, "value_usd": 49640, "date": "2025-08-27", "filed": "2025-08-29", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000183087625000003/0001830876-25-000003-index.htm" }, { "owner": "Gregory A. Duffey", "role": "Director", "action": "bought", "code": "P", "shares": 21, "value_usd": 978, "date": "2025-08-27", "filed": "2025-08-29", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000163850925000010/0001638509-25-000010-index.htm" }, { "owner": "Mark R. Hollar", "role": "EVP/CFO", "action": "sold", "code": "S", "shares": 179, "value_usd": 8368, "date": "2025-08-27", "filed": "2025-08-27", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000131810125000008/0001318101-25-000008-index.htm" }, { "owner": "David M. Long", "role": "SVP, Chief Technology Officer", "action": "sold", "code": "S", "shares": 137, "value_usd": 6069, "date": "2025-08-25", "filed": "2025-08-26", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000191725925000003/0001917259-25-000003-index.htm" } ], "quotes": [], "latest_filings": [ { "form": "8-K", "filed": "2026-11-02", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000143774926034437/fraf20260903c_8k.htm" }, { "form": "10-K", "filed": "2026-03-13", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm" }, { "form": "10-Q", "filed": "2026-08-10", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000074/fraf-20260630x10q.htm" }, { "form": "DEF 14A", "filed": "2026-03-24", "source_url": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000020/fraf-20260324xdef14a.htm" } ], "source": "SEC EDGAR filings, read by Steadybase. Every value links to the filing it came from." }