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Lakeland Financial (NASDAQ: LKFN) grants director 7 phantom units

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

LAKELAND FINANCIAL CORP director Daniel Brian Starr reported a grant of 7.0000 Phantom Stock units on 2026-08-05 at a reference price of 63.2500 per unit, increasing his Phantom Stock balance to 778.0000 units.

Each phantom stock unit exercises into 1 share of Common Stock and is exercisable only after, and expires upon, the director’s retirement from the Board.

Positive

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Negative

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Insider Starr Daniel Brian
Role Director
Type Security Shares Price Value
Grant/Award Phantom Stock F1, F2, F3 7 $63.25 $442.75
Holdings After Transaction: Phantom Stock — 778 shares (Direct)
Footnotes (3)
  1. F1. Each phantom stock unit exercises into 1 share of Common Stock.
  2. F2. Phantom stock is exercisable after the directors' retirement as a Board member.
  3. F3. Phantom shares expire after the directors' retirement as a Board member.
Phantom stock units granted 7.0000 Phantom Stock grant on 2026-08-05 to director Daniel Brian Starr
Grant price per phantom unit 63.2500 Reference price per Phantom Stock unit for this award
Total phantom units after grant 778.0000 Phantom Stock units held by the director following the reported transaction
Underlying common shares per unit 1 Each phantom stock unit exercises into 1 share of Common Stock
Underlying common shares for this grant 7.0000 Common Stock shares underlying the 7.0000 Phantom Stock units granted
Transaction date 2026-08-05 Date of the Phantom Stock grant to the director
Phantom Stock financial
"Security title reported as Phantom Stock for director grant."
A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.
phantom stock unit financial
"Each phantom stock unit exercises into 1 share of Common Stock."
exercisable after the directors' retirement financial
"Phantom stock is exercisable after the directors' retirement as a Board member."
Common Stock financial
"Underlying security title identified as Common Stock."
Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What transaction did Lakeland Financial (LKFN) report for director Daniel Brian Starr?

Lakeland Financial reported that director Daniel Brian Starr received a grant of 7.0000 Phantom Stock units on 2026-08-05 at 63.2500 per unit, raising his total Phantom Stock holdings to 778.0000 units linked to the company’s common stock.

What is the nature of the Phantom Stock reported for Lakeland Financial (LKFN)?

The reported security is Phantom Stock, a derivative tied to Lakeland Financial’s common shares. Each phantom stock unit exercises into 1 share of Common Stock, providing equity-linked value rather than immediate ownership until exercise conditions are met.

When can the Lakeland Financial (LKFN) Phantom Stock units be exercised?

According to the disclosure, the Phantom Stock is exercisable after the director’s retirement as a Board member. The footnotes also state that the phantom shares expire after the director’s retirement, limiting the exercise window to that retirement-related period.

How many Lakeland Financial (LKFN) Phantom Stock units does the director hold after this grant?

Following the grant, director Daniel Brian Starr holds 778.0000 Phantom Stock units. This total includes the newly awarded 7.0000 units and represents his reported balance of Phantom Stock derivatives tied to Lakeland Financial’s common stock after the transaction.

How does each Lakeland Financial (LKFN) Phantom Stock unit relate to common shares?

Each phantom stock unit exercises into 1 share of Common Stock. This means the 7.0000 Phantom Stock units granted correspond to an underlying 7.0000 shares of common stock, deliverable only when the post-retirement exercise conditions are satisfied.
SEC Form 4
FORM 4UNITED 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
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
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*
Starr Daniel Brian

(Last)(First)(Middle)
LAKELAND FINANCIAL CORPORATION
P.O. BOX 1387

(Street)
WARSAW INDIANA 46581

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
LAKELAND FINANCIAL CORP [ LKFN ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
08/05/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Phantom Stock(1)08/05/2026A7 (2) (3)Common Stock7$63.25778D
Explanation of Responses:
1. Each phantom stock unit exercises into 1 share of Common Stock.
2. Phantom stock is exercisable after the directors' retirement as a Board member.
3. Phantom shares expire after the directors' retirement as a Board member.
Remarks:
/s/ Becka J. Turnbow, Attorney-in-Fact08/06/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)