LAKELAND FINANCIAL CORP
LKFN · State Commercial Banks · 24.9M shares · -0%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: -$3M (gross $575K, SBC $4M)
Reference price $60.62 · est. market cap ~$1.5B — last insider sale, 2026-05-29 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B76Lakeland Financial — high-ROA Indiana commercial bank.
Strengths
- ROE 13.6% (89th pct), ROA (86th)
- Net income up sharply (95th)
Risks
- Indiana regional concentration
- Commercial-credit cyclicality
- Rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Strong balance sheetStrong balance sheet — $141M cash & investments
- Insider buyingInsider buying — 3 open-market buy(s) by 1 insider(s) (~$1M, last 6mo) Form 4 ↗
- Insider sellingInsider selling — 9 open-market sale(s) by 7 insider(s) (cluster of 7 insiders, ~$1M, last 6mo) Form 4 ↗
Key metrics
Return on equity
13.6%
Return on assets
1.5%
Net-income growth
10.6%
Free cash flow
$104M
Tangible book value
$757M
Cash & investments
$141M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-29 | Toothaker Bradley J | Sell | 5.9K | $60.62 |
| 2026-05-06 | ROSS STEVEN D | Sell | 1.3K | $62.50 |
| 2026-05-05 | ROSS STEVEN D | Sell | 19 | $62.50 |
| 2026-05-01 | Ottinger Eric H | Sell | 2.1K | $61.49 |
| 2026-03-12 | WELCH M SCOTT | Buy | 10K | $56.23 |
| 2026-03-09 | WELCH M SCOTT | Buy | 5.0K | $55.45 |
| 2026-02-27 | WELCH M SCOTT | Buy | 10K | $57.95 |
| 2026-02-23 | Toothaker Bradley J | Sell | 5.7K | $58.36 |
| 2026-02-04 | FINDLAY DAVID M | Sell | 3.0K | $63.02 |
| 2026-02-04 | Leniski Stephanie R | Sell | 1.7K | $62.76 |
| 2026-02-03 | FINDLAY DAVID M | Grant | 6.4K | — |
| 2026-02-03 | Hurford Jennifer M | Grant | 540 | — |
| 2026-02-03 | Leniski Stephanie R | Grant | 2.6K | — |
| 2026-02-03 | Pruitt Kristin | Grant | 4.0K | — |
| 2026-02-03 | Lahrman Brok A | Grant | 740 | — |
| 2026-02-03 | Robinson-Gay Donald | Grant | 2.8K | — |
| 2026-02-03 | Gutman Carrie | Grant | 1.6K | — |
| 2026-02-03 | Ottinger Eric H | Grant | 2.6K | — |
| 2026-02-03 | O'Neill Lisa M | Grant | 2.6K | — |
| 2026-02-03 | Clark Kyra E | Grant | 1.8K | — |
| 2026-02-03 | Donovan James Rickard | Grant | 1.8K | — |
| 2026-02-02 | Ottinger Eric H | Grant | 2.0K | — |
| 2026-02-02 | Gutman Carrie | Grant | 763 | — |
| 2026-02-02 | Gutman Carrie | Tax withheld | 321 | $60.76 |
| 2026-02-02 | Robinson-Gay Donald | Grant | 1.3K | — |
| 2026-02-02 | Robinson-Gay Donald | Tax withheld | 939 | $60.76 |
| 2026-02-02 | Clark Kyra E | Grant | 1.3K | — |
| 2026-02-02 | Clark Kyra E | Tax withheld | 1.0K | $60.76 |
| 2026-02-02 | Donovan James Rickard | Grant | 1.3K | — |
| 2026-02-02 | Donovan James Rickard | Tax withheld | 945 | $60.76 |
| 2026-02-02 | Leniski Stephanie R | Grant | 1.4K | — |
| 2026-02-02 | Leniski Stephanie R | Tax withheld | 792 | $60.76 |
| 2026-02-02 | Lahrman Brok A | Grant | 425 | — |
| 2026-02-02 | Lahrman Brok A | Sell | 275 | $60.76 |
| 2026-02-02 | Hurford Jennifer M | Grant | 425 | — |
| 2026-02-02 | Hurford Jennifer M | Tax withheld | 280 | $60.76 |
| 2026-02-02 | O'Neill Lisa M | Sell | 2.9K | $60.74 |
| 2026-02-02 | O'Neill Lisa M | Grant | 2.0K | — |
| 2026-02-02 | O'Neill Lisa M | Tax withheld | 1.6K | $60.76 |
| 2026-02-02 | Ottinger Eric H | Tax withheld | 1.5K | $60.76 |
| 2026-02-02 | Pruitt Kristin | Grant | 2.0K | — |
| 2026-02-02 | Pruitt Kristin | Tax withheld | 1.6K | $60.76 |
| 2026-02-02 | FINDLAY DAVID M | Grant | 5.0K | — |
| 2026-02-02 | FINDLAY DAVID M | Tax withheld | 4.0K | $60.76 |
| 2026-01-14 | Truex Melinda Jo | Option exercise | 2.1K | — |
| 2026-01-13 | PICHON EMILY E | Grant | 650 | — |
| 2026-01-13 | Truex Melinda Jo | Grant | 650 | — |
| 2026-01-13 | Starr Daniel Brian | Grant | 650 | — |
| 2026-01-13 | Abbasi Faraz | Grant | 650 | — |
| 2026-01-13 | Christian Darrianne P | Grant | 650 | — |
| 2026-01-13 | Toothaker Bradley J | Grant | 650 | — |
| 2026-01-13 | Smith Brian J | Grant | 650 | — |
| 2026-01-13 | Augsburger Blake | Grant | 650 | — |
| 2026-01-13 | BARTELS ROBERT E JR | Grant | 650 | — |
| 2026-01-13 | WELCH M SCOTT | Grant | 650 | — |
| 2026-01-13 | ROSS STEVEN D | Grant | 650 | — |
| 2025-12-31 | Leniski Stephanie R | Other | 754 | $61.96 |
| 2025-12-31 | Hurford Jennifer M | Other | 240 | $61.96 |
| 2025-12-31 | O'Neill Lisa M | Other | 535 | $61.96 |
| 2025-12-31 | Hurford Jennifer M | Other | 39 | $61.96 |
| 2025-12-31 | Pruitt Kristin | Other | 411 | $61.96 |
| 2025-12-31 | FINDLAY DAVID M | Other | 483 | $61.96 |
| 2025-12-31 | Robinson-Gay Donald | Other | 25 | $61.96 |
| 2025-12-31 | Ottinger Eric H | Other | 101 | $61.96 |
| 2025-12-31 | Lahrman Brok A | Other | 80 | $61.96 |
| 2025-12-31 | Donovan James Rickard | Other | 37 | $61.96 |
| 2025-12-08 | Pruitt Kristin | Gift | 2.6K | — |
| 2025-09-08 | BARTELS ROBERT E JR | Buy | 296 | $67.77 |
| 2025-09-05 | BARTELS ROBERT E JR | Gift | 296 | — |
| 2025-08-25 | Ottinger Eric H | Sell | 4.6K | $67.07 |
| 2025-07-30 | Clark Kyra E | Sell | 300 | $67.00 |
| 2025-07-29 | O'Neill Lisa M | Sell | 100 | $67.09 |
| 2025-07-29 | O'Neill Lisa M | Sell | 2.4K | $66.70 |
| 2025-07-08 | Abbasi Faraz | Grant | 650 | — |
| 2025-07-08 | Starr Daniel Brian | Grant | 650 | — |
| 2025-07-08 | Toothaker Bradley J | Grant | 650 | — |
| 2025-07-08 | Truex Melinda Jo | Grant | 650 | — |
| 2025-07-08 | WELCH M SCOTT | Grant | 650 | — |
| 2025-07-08 | Christian Darrianne P | Grant | 650 | — |
| 2025-07-08 | Smith Brian J | Grant | 650 | — |
| 2025-07-08 | Augsburger Blake | Grant | 650 | — |
| 2025-07-08 | BARTELS ROBERT E JR | Grant | 650 | — |
| 2025-07-08 | PICHON EMILY E | Grant | 650 | — |
| 2025-07-08 | ROSS STEVEN D | Grant | 650 | — |
| 2025-06-11 | Truex Melinda Jo | Inherited | 18K | — |
| 2025-05-22 | Truex Melinda Jo | Buy | 8.3K | $60.11 |
| 2025-05-06 | Leniski Stephanie R | Sell | 1.0K | $59.51 |
| 2025-05-06 | O'Neill Lisa M | Sell | 2.5K | $59.33 |
| 2025-03-17 | Leniski Stephanie R | Sell | 1.5K | $61.94 |
| 2025-03-11 | WELCH M SCOTT | Buy | 5.0K | $61.40 |
| 2025-03-10 | WELCH M SCOTT | Buy | 9.4K | $61.29 |
| 2025-03-07 | WELCH M SCOTT | Buy | 604 | $62.15 |
| 2025-02-25 | Robinson-Gay Donald | Sell | 550 | $66.25 |
| 2025-02-05 | FINDLAY DAVID M | Sell | 6.4K | $67.06 |
| 2025-02-04 | Hurford Jennifer M | Grant | 540 | — |
| 2025-02-04 | Leniski Stephanie R | Grant | 3.0K | — |
| 2025-02-04 | Pruitt Kristin | Grant | 4.8K | — |
| 2025-02-04 | Robinson-Gay Donald | Grant | 2.1K | — |
| 2025-02-04 | Donovan James Rickard | Grant | 2.1K | — |
| 2025-02-04 | Lahrman Brok A | Grant | 740 | — |
| 2025-02-04 | FINDLAY DAVID M | Grant | 8.4K | — |
| 2025-02-04 | Ottinger Eric H | Grant | 3.4K | — |
| 2025-02-04 | Gutman Carrie | Grant | 1.0K | — |
| 2025-02-04 | Clark Kyra E | Grant | 2.1K | — |
| 2025-02-04 | O'Neill Lisa M | Grant | 3.4K | — |
| 2025-02-03 | Lahrman Brok A | Tax withheld | 352 | $66.18 |
| 2025-02-03 | FINDLAY DAVID M | Grant | 7.6K | — |
| 2025-02-03 | FINDLAY DAVID M | Tax withheld | 5.1K | $66.18 |
| 2025-02-03 | Clark Kyra E | Grant | 1.9K | — |
| 2025-02-03 | Clark Kyra E | Tax withheld | 1.3K | $66.18 |
| 2025-02-03 | Hurford Jennifer M | Grant | 637 | — |
| 2025-02-03 | Hurford Jennifer M | Tax withheld | 359 | $66.18 |
| 2025-02-03 | Pruitt Kristin | Grant | 3.1K | — |
| 2025-02-03 | Pruitt Kristin | Tax withheld | 2.1K | $66.18 |
| 2025-02-03 | Donovan James Rickard | Grant | 1.9K | — |
| 2025-02-03 | Donovan James Rickard | Tax withheld | 983 | $66.18 |
| 2025-02-03 | Lahrman Brok A | Grant | 637 | — |
| 2025-02-03 | Robinson-Gay Donald | Grant | 637 | — |
| 2025-02-03 | Robinson-Gay Donald | Tax withheld | 425 | $66.18 |
| 2025-02-03 | Leniski Stephanie R | Grant | 2.1K | — |
| 2025-02-03 | Leniski Stephanie R | Tax withheld | 1.4K | $66.18 |
| 2025-02-03 | O'Neill Lisa M | Grant | 2.8K | — |
| 2025-02-03 | O'Neill Lisa M | Tax withheld | 1.9K | $66.18 |
| 2025-02-03 | Ottinger Eric H | Grant | 3.1K | — |
| 2025-02-03 | Ottinger Eric H | Tax withheld | 2.1K | $66.18 |
| 2025-01-14 | Abbasi Faraz | Grant | 650 | — |
| 2025-01-14 | BARTELS ROBERT E JR | Grant | 650 | — |
| 2025-01-14 | Augsburger Blake | Grant | 650 | — |
| 2025-01-14 | WELCH M SCOTT | Grant | 650 | — |
| 2025-01-14 | Toothaker Bradley J | Grant | 650 | — |
| 2025-01-14 | PICHON EMILY E | Grant | 650 | — |
| 2025-01-14 | Christian Darrianne P | Grant | 650 | — |
| 2025-01-14 | Smith Brian J | Grant | 650 | — |
| 2025-01-14 | ROSS STEVEN D | Grant | 650 | — |
| 2024-12-31 | Robinson-Gay Donald | Other | 23 | $65.02 |
| 2024-12-31 | Ottinger Eric H | Other | 90 | $65.02 |
| 2024-12-31 | Leniski Stephanie R | Other | 549 | $65.02 |
| 2024-12-31 | Hurford Jennifer M | Other | 193 | $65.02 |
| 2024-12-31 | O'Neill Lisa M | Other | 480 | $65.02 |
| 2024-12-31 | FINDLAY DAVID M | Other | 523 | $65.02 |
| 2024-12-31 | Hurford Jennifer M | Other | 34 | $65.02 |
| 2024-12-31 | Donovan James Rickard | Other | 34 | $65.02 |
| 2024-12-31 | Lahrman Brok A | Other | 69 | $65.02 |
| 2024-12-31 | Pruitt Kristin | Other | 369 | $65.02 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 10-Q | 2026-04-29 | 2026-03-31 | 0000721994-26-000053 ↗ |
| 8-K | 2026-04-27 | 2026-04-27 | 0000721994-26-000050 ↗ |
| 8-K | 2026-04-27 | 2026-04-27 | 0000721994-26-000051 ↗ |
| 8-K | 2026-04-15 | 2026-04-14 | 0000721994-26-000044 ↗ |
| 8-K | 2026-04-14 | 2026-04-14 | 0000721994-26-000042 ↗ |
| 8-K | 2026-03-06 | 2026-03-05 | 0000721994-26-000040 ↗ |
| 10-K | 2026-02-25 | 2025-12-31 | 0000721994-26-000018 ↗ |
| 8-K | 2026-01-26 | 2026-01-26 | 0000721994-26-000014 ↗ |
| 8-K | 2026-01-26 | 2026-01-26 | 0000721994-26-000012 ↗ |
| 8-K | 2026-01-15 | 2026-01-14 | 0000721994-26-000007 ↗ |
| 8-K | 2026-01-13 | 2026-01-13 | 0000721994-26-000003 ↗ |
| 10-Q | 2025-10-29 | 2025-09-30 | 0000721994-25-000228 ↗ |