Carmack Karen K

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.

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.

SVP Karen K. Carmack bought 1 share of FRAF at $35.75; cluster buy pattern with 2 other insiders in 14 days.

Karen K. Carmack, SVP and Chief HR Officer, purchased 1 share of FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) at $35.75 on 2025-03-12, bringing her holdings to 3,890 shares. The transaction is immaterial in size (0.0% net change to her position), but it occurs as part of a cluster pattern: 2 other insiders also bought within the past 14 days. Her prior trades at FRAF show mixed results—2 of 3 measurable 90-day outcomes were positive (up 11.8% and 15.4%), though one sale-equivalent trade returned -98.9%. The company's fundamentals show a P/E of 13.65 and net income of $4,218,000.00. At the current price of $35.62, the stock is 6.2% below its 52-week high and has declined 4.6% over 30 days, though it is up 6.9% over 90 days. The multi-insider buy pattern warrants observation as a potential signal of internal appetite, though the minimal share count and lack of substantial position concentration limit the weight of this single transaction.

SVP Karen K Carmack buys 1 share of FRAF at $37.26; minimal transaction with mixed prior timing pattern

Carmack Karen K, SVP and Chief HR Officer, purchased a single share of Franklin Financial Services Corp at $37.26 on 2025-02-26, increasing her holdings from 3,743 to 3,744 shares. The magnitude is negligible—a $37.26 transaction representing a 0.0% increase relative to pre-transaction holdings. Across her prior trades at FRAF specifically, timing has been inconsistent: 2 of 3 measurable outcomes show well-timed buys (30d +1.2% on 2024-12-18 and 90d +15.4% on 2024-11-20), while one buy (2024-09-18) resulted in a 90d return of -98.9%. The stock currently trades at $37.69, only -0.7% below its 52-week high of $37.97, and is up 11.2% over the past 30 days. The company carries a low P/E of 11.82 and generated $4,218,000 in net income. This single-share purchase lacks material significance and does not constitute a meaningful expression of conviction.

SVP Karen K Carmack bought 1 share of FRAF at $33.00 on 2024-12-18; minimal transaction size.

Karen K Carmack, SVP at Franklin Financial Services Corp, purchased 1 share at $33.00 on 2024-12-18, raising her holdings from 3,720 to 3,721 shares—a net change of +0.0% vs pre-transaction holdings. The transaction is economically insignificant in absolute terms ($33.00 total value). At the current price of $31.91, the stock trades -5.9% from its 52-week high of $33.90 and -4.2% over the past 30 days. Reviewing Carmack's prior trades at FRAF, two of three measurable outcomes showed positive 90-day returns (outcomes at buys on 2024-08-21 and 2024-09-04), but one showed a marked decline (2024-09-18: 90d -98.9%). The minimal share quantity and negligible portfolio impact suggest this transaction carries minimal signal value for broader investor sentiment or conviction.

SVP Karen K Carmack bought 1 share of FRAF at $33.55 on 2024-12-04; part of repeated accumulation pattern.

Karen K Carmack purchased 1 share of Franklin Financial Services Corp /PA/ at $33.55, bringing her holdings to 3,099 shares. This is a minimal transaction in absolute size but represents part of a consistent buying pattern: Carmack has made 5 prior purchases at FRAF since June 2024, most recently on 2024-11-20, and maintains a strong track record at this ticker with 3 of 3 prior buys that were well-timed at the 90-day mark (with prior 90-day returns of +12.4%, +12.1%, and +9.9%). The current share price of $33.59 is -0.4% from the 52-week high and has risen 4.3% over 90 days, consistent with the pattern of positive returns following her prior purchases. However, the transaction size of 1 share for $33.55 is immaterial and does not by itself signal conviction, though it extends a documented pattern of systematic accumulation over recent months.

SVP Karen K Carmack bought 1 share of FRAF at $32.90; minimal transaction size adds little signal.

Karen K Carmack, SVP of Franklin Financial Services, purchased 1 share at $32.90 on 2024-11-20, increasing her holdings from 3,078 to 3,079 shares (a +0.0% change vs pre-transaction holdings). The transaction value of $32.90 is negligible and does not represent a material addition to her position. While her prior trades at FRAF show a 90-day timing pattern of 3 of 3 well-timed buys, the current purchase is so minimal in scale that it carries little interpretive weight. At a P/E of 10.53 and market cap of $148.3M, the company exhibits modest valuation metrics, but this single-share acquisition provides no actionable insight into insider conviction or market outlook.

SVP Carmack Karen K buys 1 share of FRAF at $3,079.00; insider's 5 prior FRAF buys show 3 of 3 measurable outcomes were well-timed with 90d returns +2.4% to +13.8%.

Carmack Karen K, SVP, purchased 1 share of Franklin Financial Services at $3,079.00 on 2024-09-18, bringing holdings to 32 shares. This is the insider's sixth open-market buy at FRAF in five months (prior trades on 2024-09-04, 2024-08-21, 2024-06-19, 2024-05-29, and 2024-05-15). Notably, all 3 of the insider's prior FRAF trades with measurable outcomes were well-timed at the 90-day mark, posting returns of +2.4%, +13.8%, and +9.1% respectively. The insider's cross-ticker track record shows 12 prior buys with a 90d win rate of 90.00% and average 90d return of +9.5%. At $32.22 current price, the stock is -7.0% from its 52-week high but +7.8% over 30 days and +13.1% over 90 days, and trades at a P/E of 10.36 with net income of $3.0M and market cap of $142.1M. The repeated purchase pattern at this equity and the historical accuracy of prior timing merit observation.

SVP Karen K Carmack bought 1 of FRAF at $30.51 on 2024-09-04; part of 3-insider cluster pattern in 14 days

SVP Karen K Carmack purchased 1 share of FRANKLIN FINANCIAL SERVICES CORP /PA/ at $30.51, adding minimally to her 3,078-share position (3.1K shares post-transaction). While the individual transaction size is negligible, two other insiders also bought within the past 14 days, forming a cluster buy pattern. At the same ticker, Carmack's prior 3 measurable buys at FRAF all posted positive 90-day returns (13.8%, 9.1%, and 10.8%), and 3 of 3 were well-timed at the 90-day mark. The stock has moved +4.2% in the last 30 days and +22.2% over 90 days, trading at $32.20 currently (7.0% below its 52-week high of $34.64). Fundamentals show a P/E of 10.35 with net income of $3,033,000.00 and market cap of $141,966,612.20.

SVP Carmack buys 1 share of FRAF at $29.95; prior 5 FRAF purchases show 3 of 3 measurable 90d outcomes positive.

Karen K Carmack, SVP, purchased 1 share of Franklin Financial Services at $29.95 on 2024-08-21, bringing her holdings to 3,056 shares. While the transaction size is minimal (+0.0% vs pre-transaction holdings), Carmack's prior purchase history at FRAF shows a consistent pattern: her five prior trades at this ticker produced positive 90-day returns in all three cases where a 90-day outcome was measurable (ranging from +9.1% to +15.8%), suggesting disciplined timing on her FRAF purchases. The company trades at a P/E of 9.69 with a market cap of $132,928,365.15, placing it in a modest valuation range. The current stock price of $30.15 sits -13.0% from the 52-week high and +14.0% over 90 days, reflecting recent recovery. This purchase follows her measurable pattern at the ticker but represents a symbolic rather than material increase in her position.