Welcome to our dedicated page for Lakeland Finl SEC filings (Ticker: LKFN), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Lakeland Financial Corporation (NASDAQ: LKFN), the Indiana-based bank holding company for Lake City Bank. These regulatory documents offer detailed information on the company’s financial condition, capital levels, loan and deposit trends, and other disclosures relevant to its commercial banking operations in the finance and insurance sector.
Among the most important filings for Lakeland Financial are its periodic reports and current reports on Form 8-K. The company uses Form 8-K to furnish earnings press releases that summarize results for quarterly and year-to-date periods, including net income, net interest income, loan and deposit growth, and capital ratios. Other Form 8-K filings report board actions such as the declaration of quarterly cash dividends on the company’s common stock or the use of investor presentations in meetings with analysts and investors.
Through this filings page, users can review Lakeland Financial’s historical and recent SEC submissions as they appear on the EDGAR system. Real-time updates ensure that new 8-K filings related to earnings releases, dividend declarations, or investor materials are reflected promptly. In addition, AI-powered summaries help explain the key points of lengthy filings, highlighting items such as results of operations, capital strength, and funding mix in more accessible language.
Investors researching LKFN can use these filings to analyze the company’s regulatory disclosures, understand how management describes its performance and capital position, and track recurring items such as dividend policies and investor communications. The page also facilitates review of insider-related and other required filings as they become available, with AI tools designed to surface the most relevant information efficiently.
Lakeland Financial (LKFN) filed a Form 4 reporting a director’s derivative award. On 11/05/2025, the director acquired 174 phantom stock units (transaction code A) at $58.1875 per unit. Following this transaction, the director beneficially owned 20,429 derivative securities, held directly.
Each phantom stock unit converts into 1 share of common stock. The phantom stock is exercisable after the director’s retirement as a Board member, and the phantom shares expire after retirement.
Lakeland Financial Corporation (LKFN) reported an insider transaction on Form 4. A company director acquired 159 phantom stock units on 11/05/2025 at $58.1875 per unit.
Each phantom stock unit corresponds to 1 share of common stock and is exercisable after the director's retirement; the phantom shares also expire after retirement. Following the transaction, the director beneficially owns 18,650 derivative securities directly.
Lakeland Financial Corporation (LKFN) reported an insider equity change. A director acquired 157 phantom stock units on 11/05/2025, recorded on Form 4. The units were listed at $58.1875 and each phantom stock unit corresponds to 1 share of common stock. According to the filing notes, phantom stock becomes exercisable after the director’s retirement from the Board and expires after retirement.
Following this transaction, the director directly holds 18,426 derivative securities. No non-derivative transactions were reported in the excerpt.
Lakeland Financial (LKFN) reported an insider transaction involving a director. On 11/05/2025, the director acquired 43 phantom stock units, each representing the right to receive one share of common stock, at a reference price of $58.1875 per unit. Following this transaction, the director holds 4,993 derivative securities in total.
The phantom stock units are exercisable after the director’s retirement from the Board and expire after retirement. No non-derivative common shares were listed in this filing.
Lakeland Financial (LKFN) reported an insider equity change by a director. On 11/05/2025, the insider acquired 8 phantom stock units (Transaction Code A) at $58.1875. After this transaction, the director beneficially owns 934 phantom stock units, held directly.
Each phantom stock unit corresponds to 1 share of common stock. According to the plan terms, the phantom stock is exercisable after the director’s retirement and expires after retirement.
Lakeland Financial (LKFN) reported insider activity by a director. On 11/05/2025, the reporting person acquired 107 phantom stock units (Transaction Code: A). Each unit is exchangeable into one share of common stock, with delivery in seven remaining annual installments.
Following this transaction, 12,256 derivative securities were beneficially owned indirectly by the reporting person through a spouse. The filing lists a price of $58.1875 for the derivative security.
Lakeland Financial Corporation reported stronger Q3 results. Net income was $26.4 million (diluted EPS $1.03) versus $23.3 million ($0.91) a year ago, as lower funding costs and steady earning assets supported profitability.
Net interest income rose to $56.1 million from $49.3 million, while interest expense declined to $38.8 million from $45.7 million. The provision for credit losses was $2.0 million versus $3.1 million last year. Noninterest income was $13.0 million and noninterest expense was $35.0 million, reflecting higher compensation and processing costs.
Balance sheet growth continued: total assets reached $6.90 billion (from $6.68 billion at year-end), loans were $5.18 billion, and deposits were $6.02 billion. Stockholders’ equity increased to $747.4 million with accumulated other comprehensive loss improving to $(140.7) million. The company added $56.2 million in FHLB advances. A cash dividend of $0.50 per share was paid in the quarter. Shares outstanding were 25,528,732 as of September 30, 2025.
Lakeland Financial Corporation (LKFN) filed a Form 8-K under Regulation FD. The company’s executive officers plan to use an investor presentation in meetings with investors and analysts, and the presentation is attached as Exhibit 99.1 titled “2025 3Q Investor Presentation.” The company states this Item 7.01 and Exhibit 99.1 are not intended to be treated as “filed” for purposes of the Exchange Act or incorporated into Securities Act filings.
Lakeland Financial Corporation (LKFN) furnished an update on its results, announcing it issued a press release covering earnings for the three and nine months ended September 30, 2025. The press release is included as Exhibit 99.1.
The company states this information is being furnished under Item 2.02 and is not deemed filed under Section 18 of the Exchange Act, and it will not be incorporated by reference into Securities Act filings. The filing also includes the cover page Inline XBRL exhibit (Exhibit 104).
Lakeland Financial Corporation announced a regular shareholder return. On October 14, 2025, the Board of Directors declared a quarterly cash dividend of $0.50 per share on common stock.
The dividend will be paid on November 5, 2025 to shareholders of record as of October 25, 2025. This reflects a routine cash distribution to equity holders under the company’s established dividend program.