Franklin Financial director buys 16 shares at $62

FRANKLIN FINANCIAL SERVICES CORP (FRAF) director Gregory A. Duffey purchased common stock in the company.

Rhea-AI Filing Summary

FRANKLIN FINANCIAL SERVICES CORP (FRAF) director Gregory A. Duffey purchased common stock in the company. On 2026-08-26, he bought 16 shares of FRAF common stock in an open-market or private transaction at $62.08 per share. Following this transaction, he beneficially owns 24,028 shares directly, which includes 101 shares acquired through the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan and previously reported unvested restricted stock units.

Insider Trade Summary

Net Buyer: 16 shares

Net Buy 1 txn

Insider Duffey Gregory A

Role Director

Bought 16 shs ($993.28)

Type	Security	Shares	Price	Value
Purchase	Common Stock F1, F2	16	$62.08	$993.28

Holdings After Transaction: Common Stock — 24,028 shares (Direct)

Footnotes (2)

1. F1. Total shares includes 101 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.
2. F2. Includes previously reported unvested restricted stock units.

Key Figures

Shares purchased: 16 shares Purchase price per share: $62.08 per share Total shares following transaction: 24,028 shares +1 more

4 metrics

Shares purchased 16 shares Common Stock transaction on 2026-08-26

Purchase price per share $62.08 per share Open-market or private purchase on 2026-08-26

Total shares following transaction 24,028 shares Direct beneficial ownership after the 2026-08-26 purchase

Dividend Reinvestment Plan shares 101 shares Included in total shares under 2010 Dividend Reinvestment and Stock Purchase Plan

Key Terms

Dividend Reinvestment and Stock Purchase Plan, restricted stock units, beneficially owns

3 terms

Dividend Reinvestment and Stock Purchase Plan financial

"includes 101 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan"

A dividend reinvestment and stock purchase plan lets investors automatically use cash dividends to buy additional shares and often make extra share purchases directly from the company, usually at low or no commission. Think of it as an automatic savings plan for stock: dividends and optional contributions are turned into more shares, helping ownership grow through compounding and making regular investing simple and low-cost—key for long-term investors.

restricted stock units financial

"Includes previously reported unvested restricted stock units"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

beneficially owns financial

"Following this transaction, he beneficially owns 24,028 shares directly"

Beneficially owns means a person or entity enjoys the economic benefits and control of a security even if the legal title or registration is held in another name. Think of it like having the keys and profits from a car that is registered to a friend: you use it, benefit from it, and make decisions about it even though the official paperwork lists someone else. For investors, this matters because it reveals who truly controls shares, affects voting power, potential conflicts of interest, and regulatory disclosure obligations.

FAQ

What insider transaction did FRAF director Gregory A. Duffey report?

Gregory A. Duffey reported a purchase of 16 shares of FRANKLIN FINANCIAL SERVICES CORP (FRAF) common stock on 2026-08-26 in an open-market or private transaction.

At what price did Gregory A. Duffey buy FRAF shares in this Form 4?

Gregory A. Duffey bought the 16 FRAF common shares at a price of $62.08 per share in the reported transaction on 2026-08-26.

How many FRAF shares does Gregory A. Duffey own after this transaction?

After the reported purchase, Gregory A. Duffey directly beneficially owns 24,028 shares of FRANKLIN FINANCIAL SERVICES CORP common stock, including dividend reinvestment shares and previously reported unvested restricted stock units.

Does the Form 4 indicate if the FRAF trade was under a Rule 10b5-1 plan?

No. The Form 4 indicates the Rule 10b5-1 checkbox is not checked (aff_10b5_one is false), so this trade is not affirmed as being made under a Rule 10b5-1 trading plan.

What portion of Gregory A. Duffey’s FRAF holdings come from the dividend reinvestment plan?

The filing states that his total holdings include 101 shares acquired under the issuer’s 2010 Dividend Reinvestment and Stock Purchase Plan as part of the 24,028 total shares.

Are unvested restricted stock units included in Gregory A. Duffey’s reported FRAF holdings?

Yes. The Form 4 notes that the total of 24,028 shares includes previously reported unvested restricted stock units held by Gregory A. Duffey.

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Available on EDGAR 08/27/2026 - 02:28 PM Accepted by SEC EDGAR 08/27/2026 - 02:28 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Duffey Gregory A

(Last) (First) (Middle)

1500 NITTERHOUSE DRIVE

(Street)

CHAMBERSBURG PENNSYLVANIA 17201

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
FRANKLIN FINANCIAL SERVICES CORP /PA/ [ FRAF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/26/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/26/2026		P		16	A	$62.08	24,028(1)(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Total shares includes 101 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

2. Includes previously reported unvested restricted stock units.

	/s/Amanda M. Ducey by Power of Attorney for Gregory A. Duffey	08/27/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)