Franklin Financial director receives 196 FRAF shares as stock fees

Franklin Financial Services Corp. director reports stock compensation transaction.

Rhea-AI Filing Summary

Franklin Financial Services Corp. director reports stock compensation transaction. A director of Franklin Financial Services Corp. (FRAF) received 196 shares of common stock on 12/18/2025 at a price of $55.32 per share. These shares were issued in lieu of cash for a portion of the director's fees, meaning compensation was taken in stock rather than cash. After this transaction, the director beneficially owns 26,802 shares of Franklin Financial common stock, which includes previously reported unvested restricted stock units and 147 shares acquired under the company's 2010 Dividend Reinvestment and Stock Purchase Plan. The holdings are reported as directly owned.

Insider Trade Summary

Grant/Award: 196 shares

Grant/Award 1 txn

Insider Craig Kevin W

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	196	$55.32	$11K

Holdings After Transaction: Common Stock — 26,802 shares (Direct)

Footnotes (3)

1. F1. These shares were received in lieu of cash for a portion of the reporting person's director's fees.
2. F2. Includes previously reported unvested restricted stock units.
3. F3. Total shares includes 147 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

FAQ

What insider transaction did Franklin Financial Services Corp (FRAF) disclose?

A director of Franklin Financial Services Corp. reported receiving 196 shares of common stock on 12/18/2025, as shown in a Form 4 filing.

At what price were the Franklin Financial (FRAF) shares issued to the director?

The director received the 196 shares of Franklin Financial common stock at a price of $55.32 per share.

Why did the Franklin Financial (FRAF) director receive 196 shares?

The 196 shares were received in lieu of cash for a portion of the reporting person's director's fees, effectively paying part of compensation in stock.

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

Following the reported transaction, the director beneficially owns 26,802 shares of Franklin Financial common stock.

What additional holdings are included in the director's total Franklin Financial (FRAF) shares?

The 26,802 shares total includes previously reported unvested restricted stock units and 147 shares acquired under the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

Is the Franklin Financial (FRAF) director's ownership reported as direct or indirect?

The Form 4 indicates the director's 26,802 shares are held with direct (D) ownership.

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Accepted by SEC EDGAR 12/18/2025 - 03:37 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 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)
12/18/2025

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		196(1)	A	$55.32	26,802(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 147 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

	/s/Amanda M. Ducey by Power of Attorney for Kevin W. Craig	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.