# FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from FRANKLIN FINANCIAL SERVICES CORP /PA/'s 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/FRAF/mda/fy2025/): filed 2026-03-13; accession 0000723646-26-000016 (https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm); latest 10-K
- [FY 2024 MD&A](/company/FRAF/mda/fy2024/): filed 2025-03-14; accession 0000723646-25-000020 (https://www.sec.gov/Archives/edgar/data/723646/000072364625000020/fraf-20241231x10k.htm)
- [FY 2023 MD&A](/company/FRAF/mda/fy2023/): filed 2024-03-11; accession 0000723646-24-000016 (https://www.sec.gov/Archives/edgar/data/723646/000072364624000016/fraf-20231231x10k.htm)
- [FY 2022 MD&A](/company/FRAF/mda/fy2022/): filed 2023-03-10; accession 0000723646-23-000018 (https://www.sec.gov/Archives/edgar/data/723646/000072364623000018/fraf-20221231x10k.htm)
- [FY 2021 MD&A](/company/FRAF/mda/fy2021/): filed 2022-03-10; accession 0000723646-22-000016 (https://www.sec.gov/Archives/edgar/data/723646/000072364622000016/fraf-20211231x10k.htm)

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