Franklin Financial Services (FRAF) - 2025 Q4 - Annual Results

Exhibit 99.1 January 27, 2026 Franklin Financial Reports 2025 Q4 and Year-to-Date Results; Declares Dividend (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its fourth quarter 2025 and year-to-date 2025 results. A summary of notable operating results as of or for the fourth quarter ended December 31, 2025 follows: 1 · Net income: $6.0 million ($1.35 per diluted share) an ...