LKFN LAKELAND FINANCIAL CORP

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 4/4 quarters. Q1 2026: $0M, Q3 2025: $0M, Q2 2025: $0M, Q1 2025: $0M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $0M vs trailing avg $0M (+27%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Buyback $1M / FCF $67M = 1% of FCF

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Missing shares repurchased or outstanding data

Are officers and directors buying stock with their own money on the open market?

5 open-market purchases by 3 insiders

• WELCH M SCOTT () bought 10,000 shares at $56.23 on 2026-03-12
• WELCH M SCOTT () bought 5,000 shares at $55.45 on 2026-03-09
• WELCH M SCOTT () bought 10,000 shares at $57.95 on 2026-02-27
• BARTELS ROBERT E JR () bought 296 shares at $67.77 on 2025-09-08
• Truex Melinda Jo () bought 8,309 shares at $60.11 on 2025-05-22

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Company buybacks in 4 quarters and 5 insider purchases by 3 insiders (no calendar overlap, but both independently active)

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $1M, sold $1M in the last 90 days (net buying)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

No buyback-insider divergence detected