[Form 4] FRANKLIN FINANCIAL SERVICES CORP /PA/ Insider Trading Activity

Rhea-AI Filing Summary

Gregory I. Snook, a director of Franklin Financial Services Corp (FRAF), acquired 166 shares of the company's common stock on 09/22/2025 at a reported price of $48.92 per share. The filing states these shares were received in lieu of cash for a portion of his director's fees. After the transaction, Snook beneficially owned 6,524 shares, a total that includes previously reported unvested restricted stock units and 18 shares acquired under the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

Positive

• Director received 166 shares as compensation, increasing insider alignment with shareholders
• Beneficial ownership disclosed at 6,524 shares, including unvested RSUs and DRIP participation, providing transparency

Negative

• None.

Insights

Financial Analyst

TL;DR: A director received 166 shares as fee compensation, modestly increasing aligned ownership; transaction size is immaterial to company market cap.

The Form 4 discloses a non-cash acquisition of 166 common shares at $48.92 on 09/22/2025, reported by director Gregory I. Snook. The shares were issued in lieu of cash for director fees, which signals compensation deferral into equity and modestly increases insider alignment with shareholders. Post-transaction beneficial ownership is 6,524 shares, which includes unvested RSUs and 18 DRIP shares. There is no indication of options or derivative activity. The transaction appears routine and non-dilutive beyond standard director compensation.

Corporate Governance Expert

TL;DR: Director equity compensation via shares suggests alignment and routine governance practice; no governance red flags in this filing.

The filing documents issuance of shares in lieu of cash director fees, a common governance practice to align board members with shareholder interests. The report was signed by power of attorney and filed timely. The disclosure includes the composition of beneficial ownership (including RSUs and DRIP participation), which provides useful transparency. There are no indications of related-party transactions, accelerated vesting, or unusual derivative instruments disclosed in this Form 4.

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).

1. Name and Address of Reporting Person^*

Snook Gregory I

(Last) (First) (Middle)

19419 PEARL DR.

(Street)

HAGERSTOWN MD 21742

(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)
09/22/2025

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	09/22/2025		A		166(1)	A	$48.92	6,524(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's fees.

2. Includes previously reported unvested restricted stock units.

3. Total shares includes 18 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

	/s/Amanda M. Ducey by Power of Attorney for Gregory I. Snook	09/24/2025
	** 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 transaction did Gregory I. Snook report for FRAF?

The Form 4 reports that Gregory I. Snook acquired 166 shares of Franklin Financial Services Corp on 09/22/2025 at a reported price of $48.92 per share.

Why were the 166 shares issued to the director?

The filing states the shares were received in lieu of cash for a portion of the reporting person's director's fees.

How many FRAF shares does the reporting person beneficially own after the transaction?

Following the reported transaction, the reporting person beneficially owned 6,524 shares, which includes previously reported unvested restricted stock units and 18 shares from the 2010 Dividend Reinvestment and Stock Purchase Plan.

Does the Form 4 show any derivative securities or option exercises by the director?

No. Table II (derivative securities) shows no entries; the disclosure only lists a non-derivative acquisition of common stock.

Who signed the Form 4 filing for Gregory I. Snook?

The Form 4 was signed /s/ Amanda M. Ducey by Power of Attorney for Gregory I. Snook and dated 09/24/2025.