The filing is a routine investor deck with no new guidance or material developments. Monitor upcoming Q2 2026 earnings for continuation of margin expansion and loan growth trends. The stock has historically reacted positively to FRAF reports, but this filing alone does not provide a trading catalyst.
Price Chart
Executive Summary
Franklin Financial Services filed an 8-K furnishing an investor presentation with Q1 2026 financial highlights. The presentation shows strong year-over-year growth: diluted EPS rose to $1.48 from $0.88, net income increased to $6.6M from $3.9M, net interest margin expanded to 3.53% from 3.05%, and ROA improved to 1.20% from 0.72%. This is a routine Regulation FD disclosure of previously reported results, not new material information.
Key Facts
- Diluted EPS Q1 2026: $1.48 vs $0.88 in Q1 2025
- Net income Q1 2026: $6.637M vs $3.922M in Q1 2025
- Net interest margin (FTE): 3.53% vs 3.05% in Q1 2025
- ROA: 1.20% vs 0.72%; ROE: 15.13% vs 10.80%
- Total loans: $1.572B vs $1.456B; Total deposits: $1.890B vs $1.868B
- Nonperforming assets / Total assets: 0.37% vs 0.01% a year ago
- Wealth management AUM: $1.4B as of 3/31/2026
- Tangible book value per share: $37.78 vs $31.97 a year ago
Financial Impact
No new financial impact; presentation reiterates Q1 2026 results already reported.
Risk Factors
- Nonperforming assets increased from 0.01% to 0.37% year-over-year, though still low
- Cost of deposits at 1.52% may rise if rate environment changes
- No forward guidance provided in the presentation
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000723646-26-000065 |
| Document: fraf-20260724x8k.htm | 0000723646-26-000065 |
| Document: 0000723646-26-000065-index-headers.html | 0000723646-26-000065 |
| Document: 0000723646-26-000065-index.html | 0000723646-26-000065 |
| Document: 0000723646-26-000065.txt | 0000723646-26-000065 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | Press Release | $64.00 | awaiting T+60 | — | $64.95 (+1.48%) |
Oct 27, 2026 today | 8-K | $64.95 | awaiting T+60 | — | $64.95 (−0.00%) |
Oct 16, 2026 11d ago | 8-K | $62.34 | awaiting T+60 | — | $64.95 (+4.19%) |
Jul 24, 2026 13w ago | Press Release | $62.28 $62.34 | ▲ +0.10% | ▼ −3.63% | $64.95 (+4.29%) |
Jul 24, 2026 13w ago | 8-K | $62.28 $62.34 | ▲ +0.10% | ▼ −3.63% | $64.95 (+4.29%) |
Jul 24, 2026 13w ago | 8-K | $62.28 $62.34 | ▲ +0.10% | ▼ −3.63% | $64.95 (+4.29%) |
Jun 1, 2026 21w ago | Insider Cluster | $57.02 $62.10 | ▲ +8.91% | ▲ +7.68% | $64.95 (+13.91%) |
Jun 1, 2026 21w ago | Insider Cluster | $57.02 $62.10 | ▲ +8.91% | ▲ +7.68% | $64.95 (+13.91%) |
May 1, 2026 25w ago | 8-K | $56.12 $64.08 | ▲ +14.18% | ▲ +12.33% | $64.95 (+15.73%) |
Apr 23, 2026 26w ago | 8-K | $55.69 $63.50 | ▲ +14.02% | ▲ +8.94% | $64.95 (+16.62%) |
US Market Status
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