Director Gregory Duffey adds Franklin Financial (FRAF) shares in open-market buy

Rhea-AI Filing Summary

Franklin Financial Services Corp. director Gregory A. Duffey reported an open-market purchase of 19 shares of common stock at $52.33 per share on February 25, 2026. After this trade, he directly owns 23,259 shares, which include 111 shares from a dividend reinvestment plan and previously reported unvested restricted stock units.

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

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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)
02/25/2026

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	02/25/2026		P		19	A	$52.33	23,259(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 111 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	02/26/2026
	** 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.

FAQ

What insider transaction did Franklin Financial (FRAF) disclose for Gregory A. Duffey?

Franklin Financial disclosed that director Gregory A. Duffey bought 19 common shares in an open-market purchase. The transaction occurred at a price of $52.33 per share on February 25, 2026, and increased his directly held stake in the company.

How many Franklin Financial (FRAF) shares does Gregory A. Duffey own after this transaction?

After the reported purchase, Gregory A. Duffey directly owns 23,259 Franklin Financial common shares. This figure includes 111 shares acquired through the 2010 Dividend Reinvestment and Stock Purchase Plan and previously reported unvested restricted stock units, according to the filing footnotes.

What price did Gregory A. Duffey pay for Franklin Financial (FRAF) shares?

Gregory A. Duffey paid an average price of $52.33 per share for Franklin Financial common stock. The Form 4 notes this as an open-market purchase, indicating he acquired the 19 shares through regular market trading rather than via an option exercise or award.

Was Gregory A. Duffey’s Franklin Financial (FRAF) trade a buy or a sell?

The transaction was a buy. The Form 4 lists transaction code “P” and describes it as an open-market purchase. Duffey acquired 19 shares of Franklin Financial common stock, increasing his total directly held ownership to 23,259 shares following the trade.

What do the footnotes in Gregory A. Duffey’s Franklin Financial (FRAF) Form 4 explain?

The footnotes clarify that his total 23,259-share holding includes 111 shares obtained through the 2010 Dividend Reinvestment and Stock Purchase Plan. They also state that the figure includes previously reported unvested restricted stock units, providing additional detail on how his reported ownership is composed.