FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) Form 8-K — Oct 27, 2026
Franklin Financial Services (NASDAQ: FRAF) reported Q3 2026 net income of $8.5 million ($1.89 diluted EPS), up 59.4% from $5.4 million ($1.19) a year ago, driven by an 11% jump in net interest income and lower deposit costs. ROA improved to 1.43% from 0.93%, ROE to 18.53%, and net interest margin expanded to 3.58% from 3.32%. Nine-month net income rose 43.5% to $21.8 million, and the board declared a $0.34 quarterly dividend payable November 25, 2026.
Key figures
- Eps
- 1.89
- Net Income
- 8535000
- Revenue Yoy
- net interest income +11.0% Q3; +13.8% YTD
- Total Assets
- 2364724000
- Cash Position
- 183601000
- Shares Outstanding
- 4501000
- Nim q3
- 3.58%
- Roa q3
- 1.43%
- Roe q3
- 18.53%
- Net loans
- 1603024000
- Npl ratio
- 1.11%
- Acl to loans
- 1.32%
- Total deposits
- 1957400000
- Ytd net income
- 21803000
- Ytd diluted eps
- 4.84
- Dividend per share
- 0.34
- Q3 2025 net income
- 5354000
- Nonperforming loans
- 17800000
- Cre concentration ratio
- 327.3%
- Q3 net income growth pct
- 59.4
- Tangible book value per share
- 37.48
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