Franklin Financial director receives 172 shares as fees

Franklin Financial Services Corp director Kevin W. Craig acquired 172 shares of common stock on September 28, 2026, at $62.65 per share, receiving them in lieu of cash for a portion of his director fees.

Rhea-AI Filing Summary

Franklin Financial Services Corp director Kevin W. Craig acquired 172 shares of common stock on September 28, 2026, at $62.65 per share, receiving them in lieu of cash for a portion of his director fees. His reported direct holdings after the transaction were 27,939 shares. That total includes 2 shares acquired under the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan and previously reported unvested restricted stock units.

Insider Trade Summary

Grant/Award: 172 shares

Grant/Award 1 txn

Insider Craig Kevin W

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1, F2, F3	172	$62.65	$11K

Holdings After Transaction: Common Stock — 27,939 shares (Direct)

Footnotes (3)

1. F1. These shares were received in lieu of cash for a portion of the reporting person's director fees.
2. F2. Total shares includes 2 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.
3. F3. Includes previously reported unvested restricted stock units.

Key Figures

Shares acquired: 172 shares Reported price per share: $62.65 per share Direct holdings after transaction: 27,939 shares +1 more

4 metrics

Shares acquired 172 shares Director fees received in lieu of cash on September 28, 2026

Reported price per share $62.65 per share Transaction on September 28, 2026

Direct holdings after transaction 27,939 shares Includes previously reported unvested restricted stock units and 2 shares acquired under the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan

Shares acquired under the issuer's plan 2 shares Included in the reported total holdings

Key Terms

in lieu of cash, Dividend Reinvestment and Stock Purchase Plan, unvested restricted stock units

3 terms

in lieu of cash financial

"received in lieu of cash for a portion of the reporting person's director fees"

Dividend Reinvestment and Stock Purchase Plan financial

"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.

unvested restricted stock units financial

"previously reported unvested restricted stock units"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many FRAF shares did Kevin W. Craig receive, and at what price?

Kevin W. Craig acquired 172 FRAF common shares at $62.65 per share on September 28, 2026, for a portion of his director fees, received in lieu of cash.

How many FRAF shares did Kevin W. Craig report after the transaction?

His reported direct holdings after the transaction were 27,939 shares. The total includes 2 shares acquired under the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan and previously reported unvested restricted stock units.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/28/2026 - 02:52 PM Accepted by SEC EDGAR 09/28/2026 - 02:51 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^*

Craig Kevin W

(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)
09/28/2026

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	09/28/2026		A		172(1)	A	$62.65	27,939(2)(3)	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. These shares were received in lieu of cash for a portion of the reporting person's director fees.

2. Total shares includes 2 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

3. Includes previously reported unvested restricted stock units.

	/s/Amanda M. Ducey by Power of Attorney for Kevin W. Craig	09/28/2026
	** 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)