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Franklin Financial (FRAF) president acquires 109 shares through 2025 ESPP

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Franklin Financial Services Corp. President & COO Charles Benner Jr acquired 109 shares of common stock through the company’s 2025 Employee Stock Purchase Plan for the purchase period from December 1, 2025 through May 31, 2026. Under the plan, these shares were bought at a price equal to 90% of the closing price on December 1, 2025. After this plan purchase and prior acquisitions, he directly owns 6,035 shares, which total includes 8 shares from the 2010 Dividend Reinvestment and Stock Purchase Plan and previously reported unvested restricted stock units.

Positive

  • None.

Negative

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Insider Carroll Charles Benner Jr
Role President & COO
Type Security Shares Price Value
Grant/Award Common Stock 109 $47.51 $5K
Holdings After Transaction: Common Stock — 6,035 shares (Direct, null)
Footnotes (1)
  1. Shares purchased pursuant to the Franklin Financial Services Corporation 2025 Employee Stock Purchase Plan ("ESPP")for the ESPP purchase period of December 1, 2025 through May 31, 2026. In accordance with the ESPP, these shares were purchased at a price equal to 90% of the closing price of the issuer's common stock on December 1, 2025. Total shares includes 8 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan. Includes previously reported unvested restricted stock units.
Shares acquired 109 shares Employee Stock Purchase Plan period Dec 1, 2025–May 31, 2026
Purchase discount 90% of closing price ESPP price based on Dec 1, 2025 close
Total shares after transaction 6,035 shares Direct holdings following ESPP acquisition
Dividend plan shares 8 shares Acquired under 2010 Dividend Reinvestment and Stock Purchase Plan
Security price reference $47.51 per share Reported price per share for the 109-share acquisition
Employee Stock Purchase Plan financial
"Shares purchased pursuant to the Franklin Financial Services Corporation 2025 Employee Stock Purchase Plan ("ESPP")"
An employee stock purchase plan is a company program that lets workers buy shares through small payroll deductions, often at a discount to the market price and after a set offering period. Think of it like a workplace savings plan that turns into ownership: it encourages employees to share in the company’s success and can create predictable buying or selling of stock that investors watch because it affects supply, demand and employee incentives.
ESPP financial
"In accordance with the ESPP, these shares were purchased at a price equal to 90% of the closing price"
An Employee Stock Purchase Plan (ESPP) is a company program that lets employees buy the company’s shares at a reduced price, usually by setting aside a small portion of their pay over time. It matters to investors because it encourages employees to own part of the business—like giving staff a discounted membership— which can boost commitment and performance, while also potentially increasing the number of shares available and affecting shareholder value.
Dividend Reinvestment and Stock Purchase Plan financial
"Total shares includes 8 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.
grant/award acquisition financial
"transaction_action": "grant/award acquisition""
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SEC Form 4
FORM 4UNITED 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*
Carroll Charles Benner Jr

(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)
Director10% Owner
XOfficer (give title below)Other (specify below)
President & COO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
06/01/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock06/01/2026A(1)109A$47.51(2)6,035(3)(4)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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. Shares purchased pursuant to the Franklin Financial Services Corporation 2025 Employee Stock Purchase Plan ("ESPP")for the ESPP purchase period of December 1, 2025 through May 31, 2026.
2. In accordance with the ESPP, these shares were purchased at a price equal to 90% of the closing price of the issuer's common stock on December 1, 2025.
3. Total shares includes 8 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.
4. Includes previously reported unvested restricted stock units.
/s/Amanda M. Ducey by Power of Attorney for Charles B. Carroll, Jr.06/02/2026
** Signature of Reporting PersonDate
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)

FAQ

What insider transaction did Franklin Financial Services (FRAF) report for Charles Benner Jr?

Franklin Financial Services reported that President & COO Charles Benner Jr acquired 109 common shares. The shares were obtained through the 2025 Employee Stock Purchase Plan covering the period December 1, 2025 to May 31, 2026, reflecting routine, plan-based ownership growth.

At what price were Charles Benner Jr’s new FRAF shares purchased?

The new shares were purchased at 90% of Franklin Financial’s closing stock price on December 1, 2025. This discount level is defined by the 2025 Employee Stock Purchase Plan and applies specifically to the plan’s December 1, 2025 to May 31, 2026 purchase period.

How many Franklin Financial (FRAF) shares does Charles Benner Jr hold after this Form 4?

After this transaction, Charles Benner Jr directly holds 6,035 common shares. This total includes 109 shares from the 2025 Employee Stock Purchase Plan, 8 shares from the 2010 Dividend Reinvestment and Stock Purchase Plan, and previously reported unvested restricted stock units.

Was the June 2026 FRAF insider acquisition an open-market purchase?

No, the acquisition was not an open-market purchase. The 109 shares were obtained through Franklin Financial’s 2025 Employee Stock Purchase Plan at a 10% discount to the December 1, 2025 closing price, making it a structured, compensation-related plan transaction.

What plans are referenced in Charles Benner Jr’s FRAF Form 4 filing?

The filing references Franklin Financial’s 2025 Employee Stock Purchase Plan and its 2010 Dividend Reinvestment and Stock Purchase Plan. It also notes that total holdings include previously reported unvested restricted stock units, which are equity awards that vest over time under company compensation programs.