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FRANKLIN FINANCIAL SERVICES CORP /PA/

For the period ended Sep 30, 2026. Filed Nov 9, 2026.

View on SEC.gov

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 9, 2026

FRAF$70.26+1.7%Stored close · as of Nov 9, 2026

What changed in Risk Factors?

Read the current filing

Previous report: 10-Q

Period ended 2026-06-30; filed 2026-08-10.

0000723646-26-000074

Item 1A. Risk Factors

Current report: 10-Q

Period ended 2026-09-30; filed 2026-11-09.

0001437749-26-035882

Item 1A. Risk Factors

The baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.

Compared 2 previous paragraphs and 6 current paragraphs.

0 unchanged; 1 reworded; 5 added; 1 removed; 0 previous and 0 current paragraphs rearranged.

Tables are not compared: 0 previous and 0 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.

A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.

Added paragraphs (5)

Current report

In December 2025, the Board of Directors approved an open market repurchase plan to repurchase 150,000 shares of the Corporation’s $1.00 par value common stock at market prices in open market or privately negotiated transactions during 2026. During the three months ended September 30, 2026 there were no shares repurchased under the approved plan and 150,000 shares remain to be repurchased. During the first nine months of 2026, 14,950 shares were purchased, outside of the plan, to fund the quarterly dividend reinvestment plan and the employee stock purchase plan.

Current report

Not Applicable

Current report

Item5. Other Information

Current report

None of our directors or executive officers adopted or terminated a Rule 10b5-1 trading arrangement or adopted or terminated a non-Rule 10b5-1 trading arrangement (as defined in Item408(c) of Regulation S-K) during the quarter ended* September 30, 2026*.
Removed paragraphs (1)

Previous report

Risk Factors
Reworded paragraphs (1)

Previous wording

There were no material changes in the Corporation’s risk factors during the six months ended June 30, 2026. For more information, refer to the Corporation’s 2025 Annual Report on Form 10-K.

Current wording

There were no material changes in the Corporation’s risk factors during the nine months ended September 30, 2026. For more information, refer to the Corporation’s 2025 Annual Report on Form 10-K.