FRAF Franklin Financial Services Corporation

United States

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

The Securities Exchange Act of 1934

Date of Report: January 17, 2025

FRANKLIN FINANCIAL SERVICES CORPORATION

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

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:

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.  ¨

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Item 7.01 Regulations FD Disclosure

Franklin Financial Services Corporation (“the Corporation”) is furnishing this presentation which will be presented in whole or in part, from time to time, by executives of the Corporation in one or more meetings with investors and analysts.  The presentation is attached as Exhibit 99.1 and is incorporated by reference.  It is also available on the Corporation’s website at www.franklinfin.com.



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

(c) Exhibits. The following exhibits are filed herewith:

Number Description  

99.1 Investor Presentation, dated January 17, 2025 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/ Timothy G. Henry

Timothy G. Henry

Chief Executive Officer

By: /s/ Craig W. Best

Craig W. Best

President

Dated: January 17, 2025

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Exhibit 99.1



Welcome Shareholders January 16, 2025 F&M TRUST Franklin Financial Services Corporation



Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflecting management’s current views as to likely future developments, and use words “may,” “will,” “expect,” “believe,” “estimate,” “anticipate,” or similar terms.  Because forward-looking statements involve certain risks, uncertainties and other factors over which Franklin Financial Services Corporation has no direct control, actual results could differ materially from those contemplated in such statements.  These factors include (but are not limited to) the following: general economic conditions particularly with regard to the negative impact of severe, wide-ranging and continuing disruptions caused by the spread of the coronavirus COVID-19 pandemic and responses thereto, changes in interest rates, changes in the Corporation’s cost of funds, changes in government monetary policy, changes in government regulation and taxation of financial institutions, changes in the rate of inflation, changes in technology, the intensification of competition within the Corporation’s market area, and other similar factors. We caution readers not to place undue reliance on these forward-looking statements. They only reflect management’s analysis as of this date. The Corporation does not revise or update these forward-looking statements to reflect events or changed circumstances. Please carefully review the risk factors described in other documents the Corporation files from time to time with the SEC, including the Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and any Current Reports on Form 8-K.  F&M TRUST Franklin Financial Services Corporation 2



Welcome & Introductions Warren Elliott, Chairman of the Board F&M TRUST Franklin Financial Services Corporation 3



Board of Directors Warren Elliott Chairman of the Board Skip Jennings Vice Chairman of the Board Tim Henry President & CEO F&M TRUST Franklin Financial Services Corporation 4



Board of Directors Marty Brown Kevin Craig Greg Duffey F&M TRUST Franklin Financial Services Corporation 5



Board of Directors Dan Fisher Stanley Kerlin Don MOwery F&M TRUST Franklin Financial Services Corporation 6



Board of Directors Kim Rzomp Greg Snook F&M TRUST Franklin Financial Services Corporation 7



Agenda CEO Succession Plan Company Highlights Questions Closing Comments Tour of Corporate Headquarters (Optional) F&M TRUST Franklin Financial Services Corporation 8



Craig Best President (717) 262-7583 craig.best@f-mtrust.com F&M TRUST Franklin Financial Services Corporation 9



Company Highlights Mark Hollar, Executive VP & CFO Tim Henry, President & CEO F&M TRUST Franklin Financial Services Corporation 10



FRAF Stock Price* (High – Low – Close) 40 $38.70 $34.41 $36.10 $35.69 $33.90 30 $27.03 $33.10 $31.55 $129.90 20 $21.02 $26.06 $28.64 $24.36 $25.55 10 0 2020 2021 2022 2023 2024 F&M TRUST Franklin Financial Services Corporation *Price as of market close 11



Annual Dividend Per Share 1.40 1.20 1.00 0.80 0.60 0.40 0.20 $1.20 $1.25 $1.28 $1.28 $1.28 0.00 2020 2021 2022 2023 2024 F&M TRUST Franklin Financial Services Corporation 12



Computershare (800) 368-5948 or www.computershare.com F&M TRUST Franklin Financial Services Corporation 13



Amanda Ducey Corporate Secretary (717) 261-3553 amanda.ducey@f-mtrust.com Zoe Clayton Assistant Corporate Secretary (717) 261-3551 zoe.clayton@f-mtrust.com F&M TRUST Franklin Financial Services Corporation 14



Company Highlights Senior Management Introductions New Linglestown Community Office Expanded Trade Area Community Investments F&M TRUST Franklin Financial Services Corporation 15



Senior Management Tim Henry President & CEO F&M TRUST Franklin Financial Services Corporation 16



Senior Management Chad Carroll Executive Vice President Chief Operating Officer Mark Hollar Executive Vice President Chief Financial Officer & Treasurer Lorie Heckman, CERP, CRCM Executive Vice President Chief Risk Officer F&M TRUST Franklin Financial Services Corporation 17



Senior Management Steve Butz Senior Vice President Chief Commercial Services Officer Scott Ehrig, CFP, CIMA Senior Vice President Chief Wealth Management Officer Lou Giustini Senior Vice President Chief Retail Services Officer F&M TRUST Franklin Financial Services Corporation 18



Senior Management Karen Carmack, DM Senior Vice President Chief Human Resources Officer Dave Long Senior Vice President Chief Technology Officer Matt Weaver Senior Vice President Chief Marketing Officer F&M TRUST Franklin Financial Services Corporation 19



New Linglestown Community Office F&M TRUST Franklin Financial Services Corporation 20



New Linglestown Community Office Opened October 21, 2024 First F&M Trust community office in Dauphin County Features modern architectural design Successful grand opening Full-service location serving consumer, business, and wealth management clients F&M TRUST Franklin Financial Services Corporation 21



Expanded Trade Area 23 Locations Serving South Central PA and Washington County MD Primary Trade Area Expanded Trade Area Offering Wealth Management, Commercial Financing, and Residential Lending Services. F&M TRUST Franklin Financial Services Corporation 22



Community Investments More than 250 employees participated in the bank’s annual Banktoberfest event in 2024 Employees packed more than 300 backpacks as part of Totes for Hope, the American Red Cross of Greater Pennsylvania’s effort to support homeless and at-risk veterans in the community Since 2017, F&M Trust has partnered with the American Red Cross and hosted 22 onsite blood drives that collected 468 units from 522 employee donors F&M TRUST Franklin Financial Services Corporation 23



Community Investments F&M Trust donates more than $800,000 annually, which includes scholarships through the PA Educational Improvement Tax Credit (EITC) program Employees contribute more than 1,800 annual volunteer hours to community groups Employees hold positions of leadership and serve on boards of directors for dozens of local organizations and nonprofit agencies F&M TRUST Franklin Financial Services Corporation 24



Questions Tim Henry, President & CEO F&M TRUST Franklin Financial Services Corporation 25



Closing Comments Warren Elliott, Chairman of the Board F&M TRUST Franklin Financial Services Corporation 26



Frankling Financial Services Corporation Annual Meeting Tuesday, April 29, 2025 F&M TRUST Franklin Financial Services Corporation 27



Thank You (Tours available following the presentation) F&M TRUST Franklin Financial Services Corporation 28



Stock Symbol: FRAF (Nasdaq) www.franklinfin.com www.fmtrust.bank F&M TRUST Franklin Financial Services Corporation 29