FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

The Securities Exchange Act of 1934

Date of Report: ~~May~~July 117, 2026

FRANKLIN FINANCIAL SERVICES CORPORATION

(Exact name of registrant as specified in its new charter)

Pennsylvania

001-38884

25-1440803

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)


	1500 Nitterhouse Drive, Chambersburg, PA	17201
	(Address of principal executive office)	(Zip Code)

	Registrant's telephone number, including area code	(717) 264-6116

N/A

(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a –12 under the Exchange Act (17 CFR 240.14a –12)

¨ Pre-commencement communications pursuant to Rule 14d – 2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e – 4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:




Title of class	Symbol	Name of exchange on which registered
Common stock	FRAF	Nasdaq Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

‎

Item 78.01 ~~Regulations~~– FDOther ~~Disclosure~~Events

On July 16, 2026, the Board of Directors of Franklin Financial Services Corporation ~~(“the~~declared ~~Corporation”)~~a is$.34 ~~furnishing~~per ~~this~~share ~~presentation~~regular ~~which~~cash ~~will~~dividend befor ~~presented~~the third quarter inof ~~whole~~2026. This orcompares into ~~part,~~a ~~from~~$.34 per ~~time~~share toregular ~~time,~~cash bydividend ~~executives~~for the second quarter of 2026 and $.33 per share regular cash dividend for the third quarter ~~Corporation~~of in2025, ~~one~~which represents oran ~~more~~increase ~~meetings~~of ~~with~~3.0% over ~~investors~~the ~~and~~same ~~analysts~~quarter in 2025. The ~~presentation~~regular isquarterly ~~attached~~cash asdividend ~~Exhibit~~will ~~99.1~~be paid ~~and~~August 26, is2026 to ~~incorporated~~shareholders byof ~~reference~~record at the close of business on August 7, 2026.

The Corporation held its annual meeting of shareholders on April 28, 2026. The shareholder presentation is attached hereto as Exhibit 99.2 and is incorporated herein by reference.

The information in this Form 8-K provided under Item 7.01, including all exhibits attached hereto, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of the Corporation under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

Number Description

99.1 Investor Presentation, dated May 1, 2026 of Franklin Financial Services

99.2 Shareholder Presentation, dated May 1, 2026 of Franklin Financial Services

104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FRANKLIN FINANCIAL SERVICES CORPORATION

By: /s/ ~~Craig~~Charles WB. ~~Best~~Carroll, Jr.

~~Craig~~Charles WB. ~~Best~~Carroll, Jr.

Chief Executive Officer

By: /s/ Charles B. Carroll

Charles B. Carroll

President

Dated: ~~May~~July 117, 2026

Filing Compare · FRANKLIN FINANCIAL SERVICES CORP /PA/