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. Q3 2025: $0M, Q2 2025: $0M, Q1 2025: $0M, Q3 2024: $0M

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

Latest quarter $0M vs trailing avg $0M (+30%)

What percentage of free cash flow is going to buybacks? Bull: 30-80%. Bear: <10% or >80%.

Negative FCF ($-26M), cannot compute buyback ratio

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?

10 open-market purchases by 4 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
• WELCH M SCOTT () bought 5,000 shares at $61.40 on 2025-03-11
• WELCH M SCOTT () bought 9,396 shares at $61.29 on 2025-03-10
• WELCH M SCOTT () bought 604 shares at $62.15 on 2025-03-07
• BARTELS ROBERT E JR () bought 802 shares at $72.32 on 2024-11-08
• Leniski Stephanie R (Senior Vice President) bought 4,500 shares at $65.04 on 2024-09-13

Are insider purchases happening during the same quarters the company is actively buying back stock?

Insider buying coincided with company buybacks in 1 of 4 quarters

• Q3 2025: Leniski Stephanie R bought while company spent $0M

Looking at all open-market transactions, are insiders net buyers or net sellers?

Insiders bought $3M, sold $7M (net selling)

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

No buyback-insider divergence detected