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FRANKLIN FINANCIAL SERVICES CORP /PA/

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

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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

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Item 1A. Risk Factors

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.

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.

None

Not Applicable

Item5. Other Information

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*.

50

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.