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 23, 2024

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.

Item 9.01 Financial Statements and Exhibits

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

Number Description  

99.1 Investor Presentation, dated January 23, 2024 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

President and Chief Executive Officer

Dated: January 23, 2024

Exhibit 99.1



Welcome Shareholders January 18, 2024 

Forward Looking StatementsCertain 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. 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. 

   Welcome & Introductions Warren Elliott, Chairman of the Board 

 Board of Directors Warren Elliott Chairman of the Board Skip Jennings Vice Chairman of the Board Tim Henry President & CEO 

 zBoard of DirectorsMarty Brown Kevin Craig Greg Duffey 

 Board of DirectorsDan Fisher Stanley Kerlin Don Mowery 

 Board of DirectorsKim Rzomp Greg Snook 

 AgendaStock Performance Bank Highlights Questions Closing Comments Tour of Corporate Headquarters (Optional) 

 Company Highlights Tim Henry, President & CEO Chad Carroll, Executive VP & COO Mark Hollar, Executive VP & CFO 

 Stock price dividend $40$38$36$34$32$30$28$26$24$22$20 2017 20182019 2020 2021 2022 2023 $1.40 $1.20 $1.00 $0.8 $0.60 $0.40 $0.20 $0.00 Price per share Dividend



Total Return Performance Index Value 400 300 200 100 0 2016 2017 2018 2019 2020 2021 2022 2023 FFSC NASDAQ Composite Index S&P US BMI MAR Index Peer Group Indec 12.31.16 1331.17 12.31.18 12.31.19 12.31.20 12.31.21 12.31.22 12.31.23 Franklin Financial services Corporation 100.00 134.41 116.78 148.08 107.96 137.67 156.24 142.51 S&P US BMI Banks Mis-Atlantic Region Index 100.00 122.56 104.72 148.90 134.59 169.99 143.57 174.07 Peer Group (Mid -Atlantic Banks with assets between $1B-$2B as of 9.30.23 100.00 117.85 116.87 134.93 108.49 140.16 142.48 140.77 Source :S&P Global Market Intelligence

 Computershare (800) 368-5948 or www.computershare.com 

 Amanda Ducey Corporate Secretary (717) 261-3553 amanda.ducey@f-mtrust.com Zoe Clayton Assistant Corporate Secretary (717) 261-3551 

 Company HighlightsSenior Management Introductions Innovation and Technology Market Area Expansion Customer Services Community Investments 

 Senior ManagementTim Henry President & CEO 

 Senior ManagementChad Carroll Executive Vice PresidentChief Operating Officer Mark Hollar Executive Vice PresidentChief Financial Officer& Treasurer Lorie Heckman Senior Vice President Chief Risk Officer 

 Senior ManagementSteve 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 

 Senior ManagementKaren Carmack, DM Senior Vice President Chief Human Resources Officer Dave Long Senior Vice President Chief Technology OfficerMatt Weaver Senior Vice President Chief Marketing Officer 

 Innovation and TechnologySalesforce Data Analytics ATMs / ITMs Bots 

 Market Area Expansion Bedford Huntingdon Mifflin Juniata Perry Dauphin Lebanon Lancaster York Adams Cumberland Franklin Fulton Washington Allegany Morgan Berkeley Jefferson Frederick Howard Baltimore Adams York Carrol Baltimore Harford Chembersburg corporate headquarters 

 Customer ServicesTreasury MCommunity Champions anagement Wealth Management 

 Community InvestmentsMore than 250 employees participated in the bank’s annual Banktoberfest event More than 500 trees and shrubs were planted on 3 acres of Shippensburg farmland Water quality increased and pollution was reduced for 18 million people and 3,000 species of animals across 64,000 square miles of the Chesapeake Bay watershed 

 Community Investments F&M Trust donates more than $500,000 annually, including more than $100,000 for scholarships Employees contribute more than 1,500 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 

 Questions Tim Henry, President & CEO 

 Closing Comments Skip Jennings, Vice Chairman of the Board 

 Closing Comments
F&M Trust – 22 Years What hasn’t changedWhat has changed Where are we going? How do we get there? 

 Franklin Financial Services Corporation Annual Meeting Tuesday, April 23, 2024 

 Thank You (Tours available following the presentation) 

   Stock Symbol: FRAF (Nasdaq) www.franklinfin.com www.fmtrust.bank