Lakeland Financial (LKFN) CFO reports February 2026 stock moves

Rhea-AI Filing Summary

LAKELAND FINANCIAL CORP executive Lisa M. O'Neill, EVP & CFO, reported several common stock transactions. On February 3, 2026, she acquired 2,600 shares at $0, bringing her direct holdings to 36,966 shares. On February 2, 2026, she sold 2,900 shares at $60.74, acquired 2,047 shares at $0, and had 1,585 shares withheld at $60.76. Separately, on December 31, 2025, 535 shares were added to a 401(k) plan at $61.96, described as salary redirection and/or dividend reinvestment, leaving 4,289 shares held indirectly in the plan.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

O'Neill Lisa M

(Last) (First) (Middle)

LAKELAND FINANCIAL CORPORATION

P.O. BOX 1387

(Street)

WARSAW IN 46581-1387

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
LAKELAND FINANCIAL CORP [ LKFN ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP & CFO

3. Date of Earliest Transaction (Month/Day/Year)
12/31/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/03/2026		A		2,600	A	$0	36,966	D
Common Stock	12/31/2025		J(1)		535	A	$61.96	4,289	I	401(k) Plan
Common Stock	02/02/2026		S		2,900	D	$60.74	34,066	D
Common Stock	02/02/2026		A		2,047	A	$0	36,113	D
Common Stock	02/02/2026		F		1,585	D	$60.76	34,528	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Salary redirection and/or dividend reinvestment in 401(k) plan for 2025.

Remarks:

	/s/ Becka J. Turnbow, Attorney-in-Fact	02/04/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transactions did LKFN EVP & CFO Lisa O'Neill report?

Lisa O'Neill reported multiple common stock transactions, including grants, a sale, tax withholding, and 401(k) activity. The largest sale was 2,900 shares at $60.74, while new awards and plan contributions increased both direct and indirect holdings.

How many LKFN shares did the CFO sell in February 2026?

On February 2, 2026, the CFO sold 2,900 Lakeland Financial shares at $60.74 each. On the same date, additional shares were acquired and withheld, so her direct position changed due to a combination of selling, awards, and tax-related share withholding.

What new LKFN share awards did the CFO receive in early 2026?

The filing shows awards of 2,047 shares on February 2, 2026, and 2,600 shares on February 3, 2026, both at a price of $0. These transactions increased Lisa O’Neill’s directly held Lakeland Financial common stock.

How many LKFN shares does the CFO hold directly after these transactions?

After the reported February 3, 2026 award, Lisa O’Neill beneficially owns 36,966 Lakeland Financial common shares directly. This figure reflects the combined effect of stock awards, sales, and tax-related share withholding reported for February 2–3, 2026.

What is the nature of the CFO’s indirect LKFN ownership in the 401(k) plan?

The CFO holds 4,289 shares of Lakeland Financial indirectly through a 401(k) plan. A December 31, 2025 transaction added 535 shares at $61.96, described as salary redirection and/or dividend reinvestment for 2025.

What does transaction code F mean in the CFO’s LKFN Form 4?

The Form 4 shows an F code transaction for 1,585 shares at $60.76 on February 2, 2026. Code F typically indicates shares withheld to cover tax obligations upon vesting or exercise of equity awards, reducing directly held shares.