STOCK TITAN

Lakeland Financial (LKFN) awards director 49 phantom stock units

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Christian Darrianne P reported acquisition or exercise transactions in this Form 4 filing.

Lakeland Financial Corp director Darrianne P. Christian received a grant of 49 phantom stock units tied to the company’s common stock at a reference price of $63.25 per unit. Each unit represents one share of common stock and is exercisable only after the director’s retirement, expiring at that time.

Following this award, Christian holds a total of 5,976 phantom stock units, reported as a direct derivative position.

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Insider Christian Darrianne P
Role Director
Type Security Shares Price Value
Grant/Award Phantom Stock F1, F2, F3 49 $63.25 $3K
Holdings After Transaction: Phantom Stock — 5,976 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 49 units Grant to director on 2026-08-05
Reference price per phantom unit $63.25 per unit Reported transaction price for the phantom stock award
Phantom stock units after grant 5,976 units Director’s total phantom stock holdings following this transaction
Conversion ratio 1 unit for 1 share of Common Stock Each phantom stock unit exercises into one share of common stock
Phantom Stock financial
"security_title: "Phantom Stock" for the reported derivative 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.
exercisable financial
"Phantom stock is exercisable after the directors' retirement as a Board member."
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 did Lakeland Financial (LKFN) report for Darrianne P. Christian?

Lakeland Financial reported that director Darrianne P. Christian received 49 phantom stock units on August 5, 2026. These derivative units are tied to the company’s common stock and are exercisable only after the director retires from the Board, expiring at that time.

How many Lakeland Financial (LKFN) phantom stock units does the director hold after this Form 4?

After the reported grant, Darrianne P. Christian holds 5,976 phantom stock units. This total reflects the newly awarded 49 units added to her prior phantom stock holdings, all reported as a direct derivative position linked to Lakeland Financial’s common stock.

What is the reference price for the Lakeland Financial (LKFN) phantom stock grant?

The 49 phantom stock units were granted at a reference price of $63.25 per unit. This per-unit value is reported for the derivative award and corresponds to the economic measurement used for the phantom stock tied to Lakeland Financial’s common shares.

When can the Lakeland Financial (LKFN) phantom stock granted to the director be exercised?

The phantom stock units are exercisable only after the director’s retirement from the Board. According to the disclosure, the phantom shares both become exercisable and expire upon retirement, defining the timeframe in which the director may receive common stock.

How do Lakeland Financial (LKFN) phantom stock units relate to common stock?

Each phantom stock unit granted to the director corresponds to one share of common stock. The filing states that every phantom stock unit exercises into a single share, making the 49-unit award economically equivalent to 49 shares upon exercise after Board retirement.
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*
Christian Darrianne P

(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)08/05/2026A49 (2) (3)Common Stock49$63.255,976D
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)