Lakeland Financial (NASDAQ: LKFN) SVP granted shares, withholds stock

Rhea-AI Filing Summary

Lakeland Financial Corporation Senior Vice President Carrie Gutman reported routine equity compensation-related transactions in company common stock. On February 3, 2026, she acquired 1,620 shares at a stated price of $0, bringing her direct holdings to 2,958 shares.

On February 2, 2026, she acquired an additional 763 shares at a stated price of $0, and 321 shares were disposed of at $60.76 per share under transaction code "F," typically indicating shares withheld to cover taxes. After these transactions, she directly held 3,400 shares of Lakeland Financial common stock.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Gutman Carrie

Role Senior Vice President

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,620	$0.00	--
Grant/Award	Common Stock	763	$0.00	--
Tax Withholding	Common Stock	321	$60.76	$20K

Holdings After Transaction: Common Stock — 2,958 shares (Direct)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

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

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^*

Gutman Carrie

(Last) (First) (Middle)

LAKELAND FINANCIAL CORPORATION

PO BOX 1387

(Street)

WARSAW IN 46581

(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)
	Senior Vice President

3. Date of Earliest Transaction (Month/Day/Year)
02/02/2026

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		1,620	A	$0	2,958	D
Common Stock	02/02/2026		A		763	A	$0	3,721	D
Common Stock	02/02/2026		F		321	D	$60.76	3,400	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:

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 executive Carrie Gutman report?

Carrie Gutman reported routine equity transactions in Lakeland Financial common stock. She received 1,620 and 763 shares at a stated price of $0 and had 321 shares disposed of at $60.76, ending with direct ownership of 3,400 shares.

How many Lakeland Financial (LKFN) shares does Carrie Gutman now own?

After the reported transactions, Senior Vice President Carrie Gutman directly owns 3,400 shares of Lakeland Financial common stock. This reflects stock awards and a small share disposition associated with tax withholding, as indicated by transaction code “F” at a price of $60.76 per share.

What do the Form 4 transaction codes A and F mean for LKFN?

Code “A” usually indicates shares acquired, often through equity awards or similar grants, at a stated price of $0. Code “F” typically indicates shares withheld or tendered to satisfy tax obligations related to those awards, here at a price of $60.76 per share.

Were Lakeland Financial (LKFN) shares sold on the open market in this Form 4?

The filing shows 321 shares of common stock disposed of at $60.76 under code “F.” Code “F” typically reflects shares withheld or tendered for taxes on equity awards, rather than a discretionary open-market sale, and is a common administrative transaction for executives.

What is Carrie Gutman’s role at Lakeland Financial Corporation (LKFN)?

Carrie Gutman is reported as a Senior Vice President of Lakeland Financial Corporation. As an officer, she must report changes in her beneficial ownership of company stock on Form 4, including equity awards and related tax-withholding share dispositions shown in this filing.