Franklin Financial (FRAF) director reports stock gifts to charities

Rhea-AI Filing Summary

Franklin Financial Services Corp (FRAF) reports that one of its directors made bona fide gifts of the company’s common stock on 12/09/2025. The director transferred 500 shares and a further 200 shares of common stock to non-profit organizations, with both transactions coded as gifts.

Following these transfers, the director beneficially owns 23,070 shares of Franklin Financial common stock, held directly and including previously reported unvested restricted stock units. These transactions reflect charitable giving rather than open-market buying or selling.

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
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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 PA 17201

(City) (State) (Zip)

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)

3. Date of Earliest Transaction (Month/Day/Year)
12/09/2025

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

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

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

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	12/09/2025		G		500(1)	D	$0	23,270(3)	D
Common Stock	12/09/2025		G		200(2)	D	$0	23,070(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. Reporting person made a bona fide gift of 500 shares of the issuer's common stock to a non-profit organization.

2. Reporting person made a bona fide gift of 200 shares of the issuer's common stock to a non-profit organization.

3. Includes previously reported unvested restricted stock units.

	/s/Amanda M. Ducey by Power of Attorney for Gregory A. Duffey	12/09/2025
	** 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.

FAQ

What insider transaction did a Franklin Financial Services (FRAF) director report?

A Franklin Financial Services director reported two bona fide gifts of the company’s common stock on 12/09/2025: one for 500 shares and another for 200 shares to non-profit organizations.

How many Franklin Financial Services (FRAF) shares does the director own after the gifts?

After the reported gifts, the director beneficially owns 23,070 shares of Franklin Financial Services common stock, including previously reported unvested restricted stock units.

What transaction code was used for the Franklin Financial (FRAF) insider transactions?

The transactions were reported with code G, indicating bona fide gifts of the issuer’s common stock.

Were the reported Franklin Financial (FRAF) holdings direct or indirect?

The director’s beneficial ownership of 23,070 shares of Franklin Financial common stock is reported as direct (D) ownership.

Who received the Franklin Financial Services (FRAF) shares gifted by the director?

The director’s gifts involved 500 and 200 shares of Franklin Financial common stock, each transferred to a non-profit organization.

Does the Form 4 for Franklin Financial (FRAF) report any derivative securities?

The disclosure lists transactions only in common stock and shows no derivative securities in the derivative securities table.