Franklin Financial (FRAF) director reports stock compensation and holdings update

Rhea-AI Filing Summary

Franklin Financial Services Corp. director reports small stock award. A Franklin Financial Services Corp. (FRAF) director acquired 44 shares of common stock on 12/18/2025 at a price of $55.32 per share. These shares were received instead of cash for a portion of the director's fees, meaning part of the board compensation was paid in stock rather than cash.

After this transaction, the reporting person beneficially owned 17,091 shares of Franklin common stock directly, including previously reported unvested restricted stock units and 99 shares acquired under the company's 2010 Dividend Reinvestment and Stock Purchase Plan. An additional 332 shares are reported as indirectly owned through the director's adult child living in the home, with beneficial ownership disclaimed except for any pecuniary interest.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider ELLIOTT G WARREN

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	44	$55.32	$2K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 17,091 shares (Direct); Common Stock — 332 shares (Indirect, See Footnote)

Footnotes (1)

1. These shares were received in lieu of cash for a portion of the reporting person's director's fees. Includes previously reported unvested restricted stock units. Total shares includes 99 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan. These shares are held by the reporting person's adult child living in the home. The reporting person disclaims beneficial ownership of these shares, except to the extent of his pecuniary interest therein.

Form 4 Insider Transactions: What Each Field Means →

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^*

ELLIOTT G WARREN

(Last) (First) (Middle)

1500 NITTERHOUSE DRIVE

(Street)

CHAMBERSBURG PA 17201-6010

(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)
12/18/2025

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	12/18/2025		A		44(1)	A	$55.32	17,091(2)(3)	D
Common Stock								332	I	See Footnote(4)

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's fees.

2. Includes previously reported unvested restricted stock units.

3. Total shares includes 99 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

4. These shares are held by the reporting person's adult child living in the home. The reporting person disclaims beneficial ownership of these shares, except to the extent of his pecuniary interest therein.

	/s/Amanda M. Ducey by Power of Attorney for G. Warren Elliott	12/18/2025
	** 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 Franklin Financial Services Corp (FRAF) report?

A Franklin Financial Services Corp (FRAF) director reported acquiring 44 shares of common stock on 12/18/2025 at $55.32 per share.

Why did the FRAF director receive 44 shares of stock?

The 44 shares were received in lieu of cash for a portion of the reporting person's director's fees, meaning part of their board compensation was paid in stock.

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

Following the reported transaction, the director beneficially owned 17,091 shares directly, including previously reported unvested restricted stock units and 99 shares from the 2010 Dividend Reinvestment and Stock Purchase Plan.

What indirect ownership did the FRAF director disclose?

The director reported an additional 332 shares as indirectly owned through the reporting person's adult child living in the home and disclaimed beneficial ownership of these shares, except to the extent of any pecuniary interest.

What type of SEC form reports this FRAF insider transaction?

This insider transaction is reported on Form 4, which discloses changes in the beneficial ownership of a company's securities by officers, directors, and certain shareholders.

What is the relationship of the reporting person to Franklin Financial Services Corp (FRAF)?

The reporting person is a director of Franklin Financial Services Corp (FRAF), as indicated in the filing.