FRAF FRANKLIN FINANCIAL SERVICES CORP /PA/ Insider Trading

Director Gregory A Duffey purchases 18 FRAF shares at $55.35; modest accumulation amid 90d uptrend (+10.5%)

Gregory A Duffey, a Director, purchased 18 shares of FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) at $55.35, bringing holdings to 23,723 shares and representing a +0.1% increase. The transaction occurs in a favorable price environment: the stock is +10.5% over 90 days and +10.3% over 30 days, trading at $56.35 current price, which is 4.2% below the 52-week high of $58.81. At the same-ticker level, Duffey has a mixed record: 3 of 4 prior FRAF buys exhibited positive 90-day returns (well-timed), including a +20.6% 90d return on his 2025-05-28 purchase and +15.0% on his 2025-07-30 purchase, though his most recent prior buy on 2026-02-25 remains in early measurement with only a -3.9% 30-day return so far. The company trades at a P/E of 9.80 with net income of $5,354,000.00 and a market cap of $252,611,020.55. The modest share quantity (18 shares, $996.30 total value) suggests incremental positioning rather than a material conviction signal, though it continues a pattern of recurrent buying at this ticker.

Director Snook Gregory I purchased 2,200 shares of FRAF at $48.18, increasing holdings by 31.0% to 9,288 shares.

Snook Gregory I, a director, acquired 2,200 shares at $48.18 on 2026-03-09, a material 31.0% increase to his total position of 9,288 shares. The purchase price of $48.18 is 2.5% below the current price of $49.40 and 14.7% below the 52-week high of $56.52, placing the transaction in the lower-to-middle portion of the recent trading range. With a P/E of 14.11 and net income of $5,354,000.00, the company exhibits reasonable profitability metrics for a $221.3M market cap firm. The director's substantial position increase warrants investor attention as a discrete data point in the stock's ownership structure, though context regarding prior trading activity or scheduled transaction plans would inform whether this represents discretionary capital deployment.

Director Gregory A Duffey buys 19 shares of FRAF at $52.33; stock down -8.4% from 52-week high, insider's prior FRAF trades 80% well-timed at 90d.

Gregory A Duffey (Director) purchased 19 shares at $52.33, a modest transaction adding 0.1% to his 23.2K-share position. His prior buys at FRAF show a 4-of-5 pattern of well-timed entries at the 90-day mark, with outcomes ranging from -10.7% to +20.6% over that horizon, suggesting operational familiarity with optimal entry windows. However, the current stock price of $51.79 sits -8.4% below its 52-week high and is up only +7.1% over the past 30 days, indicating a relatively constrained technical environment. The insider's cross-ticker track record shows 93.75% 90-day win rate, but same-ticker history at FRAF is more mixed, with timing success concentrated in mid-2025 rather than recent quarters. The modest share count and dollar value ($994.27) suggest maintenance of position rather than fresh conviction, particularly given a 30-day gain that underperforms his typical post-buy averages.

COO Carroll Charles Benner Jr bought 380 FRAF shares at $46.93; stock -14.4% from 52-wk high, 4 of 5 prior buys well-timed at 90d.

Carroll Charles Benner Jr, as COO, purchased 380 shares of FRANKLIN FINANCIAL SERVICES CORP /PA/ at $46.93 on 2026-02-05, bringing his holdings to 4,033 shares and representing a +10.4% increase in his position. The purchase occurred as the stock trades -14.4% from its 52-week high of $56.52 and has declined 6.2% over the past 30 days, suggesting entry during a period of weakness. His prior trade history at FRAF is notably strong: 4 of 5 prior buys were well-timed, with 3 of those producing positive 90-day returns of +15.0%, +11.3%, and +5.7%, indicating an established pattern of accumulating shares ahead of rallies. However, the current 30-day return of -6.2% and the most recent month's weakness merit attention to whether the company's fundamental environment has shifted versus his prior favorable entry points.

Director Duffey Gregory A buys 19 shares of FRAF at $53.91; 5 consecutive buys at this ticker all showed positive 90d returns.

Duffey Gregory A, a director, purchased 19 shares of Franklin Financial Services Corp /PA/ at $53.91 on 2025-11-26, a price at the 52-week high. This represents a modest addition to holdings (23,770 shares post-transaction, up 0.1%). What stands out is the insider's track record at this specific ticker: all 5 prior buys at FRAF have delivered positive 90-day returns, ranging from 3.8% to 20.6%, with a timing pattern of 5 of 5 well-timed buys. His cross-ticker record is even stronger, with 15 prior buys averaging 13.4% over 90 days at a 100% win rate. The stock has risen 17.0% over the last 30 days and 14.6% over 90 days, and fundamentals appear sound (P/E of 15.29, market cap $239.7M). The timing at the 52-week high suggests either confidence in further upside or a rebalancing/diversification action, though the small size ($1.0K total value) suggests this is a routine portfolio adjustment rather than a major conviction statement.

Director Duffey Gregory A purchased 21 shares of FRAF at $46.55; stock at 52-week high, prior FRAF trades 80% well-timed at 90-day mark.

Director Duffey Gregory A bought 21 shares of Franklin Financial Services Corp /PA/ (FRAF) at $46.55 on 2025-08-27, a modest purchase valued at $977.55 that increased his holdings to 23,580 shares (+0.1%). The transaction occurred precisely at the 52-week high of $46.70, with the stock up 15.4% over the past 30 days and 21.6% over the past 90 days. Historically, his prior 4 measurable trades at FRAF have been well-timed at the 90-day mark, though his cross-ticker track record shows an average 90d return of +13.2% across all holdings. The timing into a recent 30-day surge warrants attention relative to the stock's broader momentum and his established pattern of accumulation at this security.

Director Duffey Gregory A purchases 25 shares of FRAF at $40.48; stock currently -9.1% from 52-week high, continues pattern of consistent accumulation.

Director Duffey Gregory A purchased 25 shares at $40.48 on 2025-07-30, adding to a position that now totals 23,436 shares. The purchase occurs when the stock trades at $39.01, a price 9.1% below its 52-week high of $42.93, representing a modest pullback in a stock that has gained 6.1% over the past 30 days and 1.5% over 90 days. Notably, across five prior trades at FRAF, this insider has demonstrated strong timing discipline: 4 of 4 evaluable prior buys achieved positive 90-day returns ranging from +3.8% to +13.6%, with a 100% 90-day win rate at this ticker. His cross-ticker track record of 13 prior buys shows an average 90-day return of +12.6% with a 100% win rate, though this current transaction is small in absolute terms ($1,012.00) and represents only a 0.1% increase to his existing holdings. The consistency in execution and continued accumulation despite near-highs reflects sustained engagement with the security.

SVP Karen K Carmack bought 1 share of FRAF at $38.60 on 2025-05-28; holds 3,917 shares post-transaction

Carmack Karen K, SVP and Chief HR Officer, purchased 1 share of Franklin Financial Services Corp /PA/ at $38.60 on 2025-05-28, a transaction of minimal economic significance at $38.60 total value. The purchase came 13 days after a prior buy on 2025-05-15 at the same ticker, suggesting continued accumulation activity, though the single-share magnitude is functionally marginal to her 3,917-share position. Her same-ticker history at FRAF shows 3 of 3 prior buys were well-timed at the 90-day mark, with outcomes including +8.8%, +3.8%, and +11.8% gains, indicating historically favorable entry timing at this security. However, the current stock price of $38.40 is -3.6% from the 52-week high and has declined -0.5% over 30 days, placing the timing of this micro-purchase at a relative local peak rather than a clear discount.

Director Duffey Gregory A bought 26 shares of FRAF at $38.60; 5 of 5 prior buys at this ticker posted positive 90-day returns.

Director Duffey Gregory A purchased 26 shares of FRANKLIN FINANCIAL SERVICES CORP /PA/ at $38.60, bringing his holdings to 24,519 shares. His prior trades at FRAF show a consistent pattern: all 5 of his previous buys at this ticker delivered positive 90-day returns, with outcomes ranging from +3.8% to +13.6%. His cross-ticker track record across all open-market transactions also shows 12 prior buys with a 100.00% 90-day win rate and an average 90-day return of +12.6%. The current price of $38.40 is -3.6% from the 52-week high of $39.82, and the company trades at a P/E of 14.66 with a market cap of $171.2M. This transaction extends a disciplined pattern of accumulation at this ticker.

SVP Chief HR Officer Karen K Carmack bought 1 of FRAF at $38.70 on 2025-05-15; holdings now 3,891 shares.

Carmack purchased 1 share at $38.70, a de minimis position addition that increases her holdings from 3,890 to 3,891 shares. The stock has appreciated 12.3% over the prior 30 days and currently trades at $39.14, slightly below the 52-week high of $39.82. At the same ticker, Carmack's prior 5 trades have posted a 100% measurable 90-day win rate—her three most recent closed-window purchases (November 20, December 4, and December 18, 2024) all showed positive 90-day returns ranging from +8.8% to +15.4%. However, the current purchase itself represents only 1 share and does not meaningfully alter her position, reducing the signal strength of this filing.