[Form 4] Franklin Financial Services Corporation Insider Trading Activity

Rhea-AI Filing Summary

Franklin Financial Services Corp director Gregory A. Duffey reported a purchase of 21 shares of the issuer's common stock on 08/27/2025 at a price of $46.55 per share. Following the reported transaction, Mr. Duffey beneficially owns 23,580 shares directly. The filing notes that the total includes 122 shares acquired under the company's 2010 Dividend Reinvestment and Stock Purchase Plan and also includes previously reported unvested restricted stock units.

Positive

• Insider purchase disclosed: Director Gregory A. Duffey acquired 21 shares on 08/27/2025 at $46.55 per share, indicating an open-market buy.
• Clear beneficial ownership: Post-transaction direct beneficial ownership is reported as 23,580 shares.
• DRIP participation disclosed: Filing specifies 122 shares from the 2010 Dividend Reinvestment and Stock Purchase Plan.

Negative

• None.

Insights

Securities Analyst

TL;DR: A small open-market purchase by a director increased direct ownership to 23,580 shares, including DRIP and unvested RSUs.

The reported 21-share purchase at $46.55 is a routine insider acquisition under Section 16 reporting and is recorded as a direct holding. The filing explicitly attributes 122 shares to the issuer's dividend reinvestment plan and separately flags inclusion of unvested restricted stock units in the aggregate beneficial ownership figure. This transaction does not disclose any derivative activity or plan-based trading beyond the DRIP reference.

Corporate Governance Expert

TL;DR: Director purchase disclosed and signed by POA; disclosure meets Section 16 requirements without material governance concerns.

The Form 4 shows the signature executed by power of attorney and includes the transaction code and post-transaction ownership. There is no indication of amendment to prior reports and no derivative securities disclosed. From a governance perspective, the filing provides the required details: transaction date, price, amount acquired, and ownership form.

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^*

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)
08/27/2025

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	08/27/2025		P		21	A	$46.55	23,580(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 122 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

2. Includes previously report unvested restricted stock units.

	/s/Amanda M. Ducey by Power of Attorney for Gregory A. Duffey	08/29/2025
	** 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 A. Duffey report on Form 4 for FRAF?

He reported purchasing 21 shares of Franklin Financial Services Corp common stock on 08/27/2025 at $46.55 per share.

How many shares does Gregory A. Duffey beneficially own after the reported transaction?

He beneficially owns 23,580 shares following the reported transaction.

Does the Form 4 disclose any derivative securities or option activity for Gregory A. Duffey?

No. The filing shows only a non-derivative common stock acquisition; no derivative securities are reported.

Are any shares included from company plans in Duffey's total holdings?

Yes. The total includes 122 shares acquired under the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan and previously reported unvested restricted stock units.

Who signed the Form 4 filing for Gregory A. Duffey?

The form was signed by Amanda M. Ducey by Power of Attorney on behalf of Gregory A. Duffey on 08/29/2025.