Lakeland Financial (LKFN) SVP Hurford details stock awards, sale and 401(k) reinvestment

Rhea-AI Filing Summary

Lakeland Financial Corp. officer Jennifer M. Hurford, SVP & Treasurer, reported several common stock transactions. On 02/03/2026 she acquired 540 shares at $0, bringing her directly held balance to 9,185 shares.

On 02/02/2026 she acquired 425 shares at $0 and disposed of 280 shares at $60.76, resulting in 9,570 shares directly held after that day’s transactions. For 12/31/2025, she reported a 39‑share acquisition at $61.96 held indirectly through a 401(k) plan, and a separate 240‑share acquisition at $61.96 held directly, with 624 shares indirectly and 9,425 shares directly owned following those transactions. Footnotes describe the 2025 401(k) activity as salary redirection and/or dividend reinvestment, and the 240‑share acquisition as dividend reinvestment for 2025.

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

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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^*

Hurford Jennifer 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)
	SVP & Treasurer

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		540	A	$0	9,185	D
Common Stock	12/31/2025		J(1)		39	A	$61.96	624	I	401(k) Plan
Common Stock	12/31/2025		J(2)		240	A	$61.96	9,425	D
Common Stock	02/02/2026		A		425	A	$0	9,850	D
Common Stock	02/02/2026		F		280	D	$60.76	9,570	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.

2. Dividend reinvestment 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’s Jennifer M. Hurford report?

Jennifer M. Hurford reported multiple common stock transactions, including acquisitions of 540 shares on 02/03/2026 and 425 shares on 02/02/2026 at $0 per share, plus smaller 2025 acquisitions linked to dividend reinvestment and 401(k) salary redirection.

How many Lakeland Financial (LKFN) shares does Hurford own after these trades?

After the reported transactions, Jennifer M. Hurford directly owns up to 9,185 common shares and indirectly holds 624 shares through a 401(k) plan, based on the balances shown following the latest 2025 and 2026 reportable transactions in the filing.

What were the prices for Jennifer Hurford’s recent LKFN stock transactions?

The filing shows acquisitions at $0 per share on 02/02/2026 and 02/03/2026, a disposition of 280 shares at $60.76 on 02/02/2026, and 2025 year-end acquisitions at $61.96 per share tied to dividend reinvestment and 401(k) activity.

How does Jennifer Hurford hold her LKFN shares, directly or through plans?

The report shows both direct ownership and indirect ownership. Directly, she holds several thousand common shares. Indirectly, she holds 624 shares through a 401(k) plan, with specific 2025 transactions labeled as salary redirection and/or dividend reinvestment.

What do the footnotes in Hurford’s LKFN Form 4 filing explain?

The footnotes state that one 2025 transaction reflects salary redirection and/or dividend reinvestment in a 401(k) plan, while another represents dividend reinvestment for 2025. These notes clarify the nature of certain acquisitions but do not indicate any limitation on voting or investment power.

What transaction codes appear in Jennifer Hurford’s LKFN Form 4?

The filing lists transaction codes A, F, and J. Code A covers several common stock acquisitions, code F reflects a 280‑share disposition at $60.76, and code J applies to 2025 transactions connected to 401(k) salary redirection and dividend reinvestment.