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Lakeland Financial Corp Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 12 Mar 2026.
Lakeland Financial Corp: what insiders have been doing
Lakeland Financial Corp is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). 22 insiders have disclosed 30 filings since 18 October 2025.
Both sides are active: 3 purchases worth €1.2M and 4 sales worth €433k, from 1 insider and 4 insiders respectively. The net balance comes to €785k on the buying side. Unlike grants, an open-market purchase is paid for by the insider, at the market price. Welch M Scott filed the largest purchase, €491k, on 27 February 2026. The buyers include 1 senior executive.
The last purchase on record was published on 12 March 2026, which is 220 days ago. Filings reach the SEC (Form 4) feed a median of 1 day after the trade. For comparison, the SEC allows two business days to file a Form 4. A sale on its own says little: insiders also sell to pay tax, fund a purchase or diversify.
Across the 5,813 companies tracked on its exchange, the median is 19 filings; at 30 filings, this issuer sits above that mark. Over the whole record (from 2016), the tally stands at 26 purchases and 66 sales. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 103.4 m USD, with a dividend of 2.00 USD per share.
Other companies in the same sector with recent insider buying flagged by our signals: First Guaranty Bancshares, Inc. and BCB Bancorp Inc. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
Insider Decl.
325
Thresholds
n/a
Buy Volume
€4M
26 ops. · all time
Sell Volume
€16M
66 ops. · all time
Who traded when
BuySaleM. Scott Welch5 buys
Eric H. Ottinger3 sales
Donald Robinson-Gay2 sales
Kyra E. Clark2 sales
Lisa M. O'Neill2 sales
Stephanie R. Leniski2 sales
+5 other insiders
Since the insiders bought
- +7.3%Entry US$56.70 · Close at T+90 US$60.83
- -8.0%Entry US$65.77 · Close at T+365 US$60.51
- +0.1%Entry US$60.05 · Close at T+365 US$60.14
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Lakeland Financial Corp Hold (neutral), based on 4 analysts. Average price target: US$66.50.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 843 of 24,148 companies
81.0
score / 100
Value75
Quality87
FCF yld7.2%
Earn yld7.2%
EV/EBITDA·
ROE15%
Gross mgn·
Net mgn38%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$57.91
Analyst consensus
4 analystsHold
US$66.00Target US$66.50(+15%)US$67.00
Income statement
RevenueUS$269M
Net incomeUS$103.4M40.6% margin
Valuation
PER (trailing)13.3x
PER (forward)12.8x
P/Book1.9x
Beta0.76
Balance sheet & cash
Market capUS$1.4B
Total debtUS$184.2M
Free Cash FlowUS$103.8M
Profitability & ownership
ROE15.0%
ROA1.6%
% insiders2.8%
% institutions88.3%
Last declaration on 6 August 2026
Declarations325 total
500 shares@ US$63.000.0021% mcap18.3% of flowCommon StockSEC:0001959402-26-000004:0
250 shares@ US$63.220.0011% mcap9.0% of flowCommon StockSEC:0001823500-26-000004:0
2,136 shares@ US$61.490.0090% mcap13.8% of flowCommon StockSEC:0001462794-26-000004:0
10,000 shares@ US$56.231416.3% of flowCommon StockSEC:0001189422-26-000015:0
Canonical exit: 10 Jun 2026 (T+90)
5,000 shares@ US$55.458.1% of flowCommon StockSEC:0001189422-26-000011:0
Canonical exit: 7 Jun 2026 (T+90)
10,000 shares@ US$57.9516.5% of flowCommon StockSEC:0001189422-26-000006:0
Canonical exit: 28 May 2026 (T+90)
5,685 shares@ US$58.3628100.0% of flowCommon StockSEC:0001532431-26-000006:0
1,620 shares0Common StockSEC:0002048188-26-000002:0
2,800 shares0Common StockSEC:0001959402-26-000002:0
1,802 shares0Common StockSEC:0001823500-26-000002:0
1,802 shares0Common StockSEC:0001794525-26-000002:0
2,600 shares0Common StockSEC:0001793191-26-000002:0
740 shares0Common StockSEC:0001771201-26-000002:0
2,600 shares0Common StockSEC:0001605993-26-000002:0
540 shares0Common StockSEC:0001606151-26-000002:0
2,600 shares0Common StockSEC:0001462794-26-000002:0
4,000 shares0Common StockSEC:0001434936-26-000002:0
6,400 shares0Common StockSEC:0001189382-26-000002:0
650 shares0Common StockSEC:0002070264-26-000002:0
650 shares0Common StockSEC:0002069860-26-000002:0
650 shares0Common StockSEC:0001904915-26-000002:0
650 shares0Common StockSEC:0001756274-26-000002:0
650 shares0Common StockSEC:0001532431-26-000002:0
650 shares0Common StockSEC:0001525177-26-000002:0
650 shares0Common StockSEC:0001380659-26-000002:0
25 of 325 declarations
About Lakeland Financial Corp
Lakeland Financial Corp. (ticker LKFN) is a U.S.-listed regional banking company trading on the Nasdaq Global Select Market, not NYSE, and it fits the profile of a mid-sized community-oriented bank holding company in the United States. The company was incorporated in 1983 and is headquartered in Warsaw, Indiana. Its principal operating subsidiary is Lake City Bank, which gives LKFN a classic bank-holding-company structure centered on local deposit gathering, relationship lending, and fee-based financial services. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000721994/000072199426000018/lkfn-20251231.htm?utm_source=openai))
Although the holding company dates to 1983, the operating franchise is far older. Lake City Bank was founded in 1872 in Kosciusko County and has remained headquartered in Warsaw throughout its history. That long operating record is central to the company’s investment identity: LKFN is best understood as a long-tenured Midwest community bank with deep local roots, high brand familiarity, and a conservative, relationship-based approach to banking. The bank is also described as the third oldest financial institution headquartered in Indiana. ([investors.lakecitybank.com](https://investors.lakecitybank.com/?utm_source=openai))
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From a business-line perspective, Lakeland Financial offers a broad suite of banking and financial services to individuals, businesses, and public/private organizations. Core offerings include commercial lending, commercial real estate lending, consumer loans, deposit products, treasury management, trust and wealth management, brokerage services, and digital banking capabilities. The company also serves a diversified commercial customer base spanning real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare. That breadth helps reduce reliance on any single industry. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000721994/000072199426000018/lkfn-20251231.htm?utm_source=openai))
LKFN’s competitive position is anchored by its regional footprint and disciplined credit culture rather than by national scale. As of year-end 2025, the company operated 55 offices across 15 Indiana counties and reported consolidated assets of roughly $7.0 billion. Management has emphasized organic balance-sheet growth, continued investment in technology and talent, and expansion of the branch network, including a new office planned for Whitestown in Boone County in 2026. The company also points to a robust digital banking platform, which is increasingly important for retaining retail and commercial relationships in a competitive banking environment. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000721994/000072199426000018/lkfn-20251231.htm?utm_source=openai))
Recent developments have been constructive. Lakeland Financial reported record quarterly net income in both the second quarter of 2025 and the first quarter of 2026, and the board increased the quarterly cash dividend to $0.52 per share in January 2026. For investors, LKFN stands out as a steady U.S. regional bank franchise with a long operating history, a strong local deposit base, and an emphasis on profitability, capital discipline, and gradual organic growth rather than aggressive expansion. ([sec.gov](https://www.sec.gov/Archives/edgar/data/721994/000072199426000012/lkfn-20260126exhibit991.htm?utm_source=openai))
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