STOCK TITAN

Lakeland Financial (LKFN) director converts phantom stock into common shares

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Toothaker Bradley J reported disposition transactions in this Form 4 filing.

Lakeland Financial director Bradley Toothaker exercised 162 phantom stock units on August 5, 2026 at $63.25 per unit, receiving the same number of common shares under the company’s phantom stock plan.

After this exercise, he holds 19,510 phantom stock units tied to Lakeland Financial common stock.

Positive

  • None.

Negative

  • None.
Insider Toothaker Bradley J
Role Director
Type Security Shares Price Value
Exercise Phantom Stock F1, F2, F3 162 $63.25 $10K
Holdings After Transaction: Phantom Stock — 19,510 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 exercised 162 units Derivative exercise on August 5, 2026
Exercise price $63.25 per unit Price per phantom stock unit converted into common stock
Underlying common shares received 162 shares Each phantom stock unit equaled one share of common stock
Phantom stock units remaining 19,510 units Phantom stock holdings after the reported transaction
Phantom stock financial
"Each phantom stock unit exercises into 1 share of Common Stock."
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.
derivative security financial
"Transaction is an exercise or conversion of derivative security."
A derivative security is a financial contract whose value comes from the price or performance of something else, such as a stock, bond, commodity, or market index. For investors it acts like an insurance policy or a wager: it can be used to protect against losses, lock in prices, or amplify gains and losses, so it can change a portfolio’s risk and potential return without owning the underlying asset directly.
Common Stock financial
"Each phantom stock unit exercises into 1 share of 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 insider transaction involved Lakeland Financial (LKFN)?

Director Bradley J. Toothaker exercised 162 phantom stock units into the same number of common shares on August 5, 2026 at $63.25 per unit. The transaction involves derivative securities that track Lakeland Financial common stock and is coded as an exercise or conversion.

How many phantom stock units does Bradley Toothaker hold after the LKFN transaction?

Following this derivative exercise, Bradley Toothaker holds 19,510 phantom stock units linked to Lakeland Financial common stock. These remaining units continue to represent a right to receive shares upon his retirement from the board under the phantom stock plan terms.

What is phantom stock in the context of Lakeland Financial (LKFN)?

Phantom stock is a derivative award where each unit corresponds to one share of Lakeland Financial common stock. It becomes exercisable and expires after the director’s retirement from the board, with units converting into common shares at that time under the plan.

At what price were the Lakeland Financial (LKFN) phantom units exercised?

The 162 phantom stock units were exercised at a reference price of $63.25 per unit on August 5, 2026. This price reflects the value assigned per unit when converting them into Lakeland Financial common shares in the derivative exercise.

Was the LKFN insider transaction made under a Rule 10b5-1 trading plan?

The Rule 10b5-1 checkbox for this insider transaction is not marked, so it is not identified as being executed under a pre-arranged trading plan. The available footnotes do not describe any separate trading arrangement governing the timing of this exercise.

What position does Bradley Toothaker hold at Lakeland Financial (LKFN)?

Bradley J. Toothaker is identified as a director of Lakeland Financial, and not as an officer or 10% shareholder. The phantom stock transaction therefore relates to his board-level equity compensation rather than activity by a controlling insider.
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*
Toothaker Bradley J

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

(Street)
WARSAW INDIANA 46581-1387

(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)08/05/2026M162 (2) (3)Common Stock162$63.2519,510D
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)