Symbols / LKFN Stock $59.69 -0.57% Lakeland Financial Corporation

Financial Services • Banks - Regional • United States • NMS
LKFN (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. David M. Findlay
Exch · Country NMS · United States
Market Cap 1.56B
Enterprise Value 1.57B
Income 103.36M
Sales 257.19M
FCF (ttm) —
Book/sh 30.23
Cash/sh 5.59
Employees 655
Insider 10d —
IPO Aug 14, 1997
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 49.88%
P/E 14.89
Forward P/E 13.13
PEG 1.44
P/S 6.05
P/B 1.97
P/C —
EV/EBITDA —
EV/Sales 6.12
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.01
EPS next Y 4.55
EPS Growth 23.40%
Revenue Growth 14.60%
EPS Gr Q/Q 23.60%
Rev Gr Q/Q —
Earnings (next) 2026-04-27
Earnings (prior) 2026-01-26
ROA 1.51%
ROE 14.29%
ROIC —
Gross Margin 0.00%
Oper. Margin 53.29%
Profit Margin 40.19%
Shs Outstand 26.06M
Shs Float 24.41M
Insider Own 2.75%
Instit Own 82.54%
Short Float 9.48%
Short Ratio 10.90
Short Interest 2.03M
52W High 69.40
vs 52W High -13.99%
52W Low 53.43
vs 52W Low 11.72%
Beta 0.72
Impl. Vol. 97.80%
Rel Volume 0.82
Avg Volume 172.95K
Volume 142.07K
Target (mean) $64.00
Tgt Median $63.00
Tgt Low $63.00
Tgt High $67.00
# Analysts 4
Recom None
Prev Close $60.03
Price $59.69
Change -0.57%
About

Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. It also offers loan products, including commercial and industrial, commercial real estate and multi-family residential, construction, agri-business and agricultural, consumer 1-4 family mortgage, and other commercial and consumer loans. In addition, the company provides retail and merchant credit card services; corporate treasury management services, private banking, and wealth advisory; retail brokerage services comprising financial and investment products, annuities, and life insurance; and trust and fiduciary services, and estate and financial planning consulting services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. The company was founded in 1872 and is headquartered in Warsaw, Indiana.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$64.00
Mean price target
2. Current target
$59.69
Latest analyst target
3. DCF / Fair value
$60.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$59.69
Low
$63.00
High
$67.00
Mean
$64.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-07 down Hovde Group Outperform → Market Perform —
2025-10-28 reit Raymond James Outperform → Outperform $68
2025-10-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $66
2025-07-28 reit Keefe, Bruyette & Woods Market Perform → Market Perform $68
2025-05-06 up Hovde Group Market Perform → Outperform —
2025-04-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $65
2025-01-27 reit Keefe, Bruyette & Woods Market Perform → Market Perform $74
2024-07-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $65
2024-01-26 main Stephens & Co. Equal-Weight → Equal-Weight $70
2024-01-26 main Raymond James Outperform → Outperform $78
2023-10-26 main Raymond James Outperform → Outperform $60
2023-07-24 main Raymond James Outperform → Outperform $64
2023-04-26 main Raymond James — → Outperform $66
2023-04-06 main Raymond James — → Outperform $74
2023-02-21 up Raymond James Market Perform → Outperform $78
2021-07-27 main Stephens & Co. — → Equal-Weight $66
2016-08-09 main Keefe, Bruyette & Woods — → Market Perform $32
2016-07-27 main Keefe, Bruyette & Woods — → Market Perform $48
2016-07-21 init DA Davidson — → Neutral —
2016-06-13 down Stephens & Co. Overweight → Equal-Weight —
News
RSS: Latest LKFN news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-12 WELCH M SCOTT Director — 10,000 $56.23 $562,314
2026-03-09 WELCH M SCOTT Director — 5,000 $55.45 $277,250
2026-02-27 WELCH M SCOTT Director — 10,000 $57.95 $579,500
2026-02-23 TOOTHAKER BRADLEY J Director — 5,685 $58.36 $331,793
2026-02-04 FINDLAY DAVID M Chief Executive Officer — 3,000 $63.02 $189,057
2026-02-04 LENISKI STEPHANIE R Officer — 1,665 $62.76 $104,487
2026-02-03 FINDLAY DAVID M Chief Executive Officer — 11,440 $0.00 $0
2026-02-03 DONOVAN JAMES RICKARD General Counsel — 3,077 $0.00 $0
2026-02-03 CLARK KYRA E Officer — 3,077 $0.00 $0
2026-02-03 ROBINSON-GAY DONALD J. Officer — 4,075 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
268.99
+6.10%
253.52
+2.69%
246.89
+0.88%
244.75
Operating Revenue
268.99
+6.10%
253.52
+2.69%
246.89
+0.88%
244.75
Selling General And Administration
78.65
+12.05%
70.19
+12.29%
62.51
+3.27%
60.53
General And Administrative Expense
78.65
+12.05%
70.19
+12.29%
62.51
+3.27%
60.53
Salaries And Wages
75.29
+12.84%
66.73
+12.82%
59.15
+1.05%
58.53
Other Gand A
—
—
—
—
Reconciled Depreciation
5.98
+0.42%
5.95
-3.56%
6.17
-8.91%
6.78
Total Unusual Items
0.00
0.00
+100.00%
-18.06
0.00
Total Unusual Items Excluding Goodwill
0.00
0.00
+100.00%
-18.06
0.00
Special Income Charges
0.00
0.00
+100.00%
-18.06
0.00
Other Special Charges
—
—
18.06
—
Net Income
103.36
+10.57%
93.48
-0.31%
93.77
-9.68%
103.82
Pretax Income
125.58
+12.44%
111.69
+1.23%
110.33
-11.85%
125.16
Net Interest Income
221.02
+12.37%
196.68
-0.18%
197.03
-2.88%
202.89
Interest Expense
152.72
-13.46%
176.48
+20.68%
146.23
+298.67%
36.68
Interest Income
373.74
+0.15%
373.16
+8.71%
343.27
+43.29%
239.57
Gain On Sale Of Security
0.00
-100.00%
8.95
+35900.00%
-0.03
-219.05%
0.02
Tax Provision
22.22
+22.03%
18.21
+9.93%
16.57
-22.40%
21.35
Tax Rate For Calcs
0.00
+8.59%
0.00
+8.67%
0.00
-12.28%
0.00
Tax Effect Of Unusual Items
0.00
0.00
+100.00%
-2.71
0.00
Net Income Including Noncontrolling Interests
103.36
+10.57%
93.48
-0.31%
93.77
-9.68%
103.82
Net Income From Continuing Operation Net Minority Interest
103.36
+10.57%
93.48
-0.31%
93.77
-9.68%
103.82
Net Income From Continuing And Discontinued Operation
103.36
+10.57%
93.48
-0.31%
93.77
-9.68%
103.82
Net Income Continuous Operations
103.36
+10.57%
93.48
-0.31%
93.77
-9.68%
103.82
Normalized Income
103.36
+10.57%
93.48
-14.33%
109.12
+5.10%
103.82
Net Income Common Stockholders
103.36
+10.57%
93.48
-0.31%
93.77
-9.68%
103.82
Diluted EPS
4.01
+10.47%
3.63
-0.55%
3.65
-9.65%
4.04
Basic EPS
4.02
+10.44%
3.64
-0.82%
3.67
-9.83%
4.07
Basic Average Shares
25.69
+0.04%
25.68
+0.28%
25.60
+0.30%
25.53
Diluted Average Shares
25.80
+0.12%
25.77
+0.18%
25.72
+0.04%
25.71
Diluted NI Availto Com Stockholders
103.36
+10.57%
93.48
-0.31%
93.77
-9.68%
103.82
Insurance And Claims
3.36
-3.00%
3.46
+3.03%
3.36
+68.23%
2.00
Occupancy And Equipment
13.24
+6.12%
12.48
+4.04%
11.99
-0.48%
12.05
Other Non Interest Expense
32.01
-4.34%
33.46
+13.18%
29.57
-5.08%
31.15
Professional Expense And Contract Services Expense
7.70
-13.99%
8.95
+4.28%
8.58
+32.39%
6.48
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
6,990.02
+4.67%
6,678.37
+2.37%
6,524.03
+1.42%
6,432.37
Cash And Cash Equivalents
141.32
-15.98%
168.21
+10.79%
151.82
+16.53%
130.28
Cash Equivalents
84.18
-12.74%
96.47
+18.56%
81.37
+65.09%
49.29
Cash Financial
57.14
-20.34%
71.73
+1.82%
70.45
-13.01%
80.99
Other Short Term Investments
454.16
-54.19%
991.43
-5.73%
1,051.73
-11.29%
1,185.53
Receivables
29.00
+1.94%
28.45
-5.21%
30.01
+7.21%
27.99
Accounts Receivable
29.00
+1.94%
28.45
-5.21%
30.01
+7.21%
27.99
Net PPE
65.54
+8.35%
60.49
+4.47%
57.90
-0.34%
58.10
Gross PPE
123.44
+8.46%
113.81
-0.01%
113.82
+2.43%
111.12
Accumulated Depreciation
-57.90
-8.59%
-53.32
+4.65%
-55.92
-5.47%
-53.02
Land And Improvements
12.57
+0.00%
12.57
+0.80%
12.47
+0.00%
12.47
Buildings And Improvements
75.27
+9.91%
68.48
+7.23%
63.86
+4.38%
61.19
Machinery Furniture Equipment
35.60
+8.69%
32.75
-12.62%
37.48
+0.06%
37.46
Other Properties
—
—
—
61.19
Goodwill And Other Intangible Assets
4.97
+0.00%
4.97
+0.00%
4.97
+0.00%
4.97
Goodwill
4.97
+0.00%
4.97
+0.00%
4.97
+0.00%
4.97
Investments And Advances
1,185.27
+5.55%
1,122.99
-4.96%
1,181.65
-10.06%
1,313.77
Total Liabilities Net Minority Interest
6,227.53
+3.89%
5,994.46
+2.05%
5,874.24
+0.18%
5,863.48
Payables And Accrued Expenses
8.87
-41.34%
15.12
-27.65%
20.89
+555.78%
3.19
Payables
8.87
-41.34%
15.12
-27.65%
20.89
+555.78%
3.19
Accounts Payable
8.87
-41.34%
15.12
-27.65%
20.89
+555.78%
3.19
Current Debt And Capital Lease Obligation
170.00
0.00
—
—
Current Debt
170.00
0.00
—
—
Other Current Borrowings
170.00
0.00
—
—
Long Term Debt And Capital Lease Obligation
14.20
—
50.00
-81.82%
275.00
Long Term Debt
14.20
—
50.00
-81.82%
275.00
Stockholders Equity
762.40
+11.49%
683.82
+5.25%
649.70
+14.22%
568.80
Common Stock Equity
762.40
+11.49%
683.82
+5.25%
649.70
+14.22%
568.80
Capital Stock
136.97
+5.63%
129.66
+1.54%
127.69
+0.54%
127.00
Common Stock
136.97
+5.63%
129.66
+1.54%
127.69
+0.54%
127.00
Share Issued
26.02
+0.17%
25.98
+0.29%
25.90
+0.30%
25.83
Ordinary Shares Number
25.22
-1.14%
25.51
+0.31%
25.43
+0.32%
25.35
Treasury Shares Number
0.80
+71.34%
0.47
-0.82%
0.47
-0.58%
0.48
Retained Earnings
788.35
+7.05%
736.41
+6.30%
692.76
+7.22%
646.10
Gains Losses Not Affecting Retained Earnings
-127.14
+23.64%
-166.50
-7.28%
-155.19
+17.85%
-188.92
Treasury Stock
35.77
+127.05%
15.75
+1.29%
15.55
+1.11%
15.38
Minority Interest
0.09
+0.00%
0.09
+0.00%
0.09
+0.00%
0.09
Other Equity Adjustments
-127.14
+23.64%
-166.50
-7.28%
-155.19
+17.85%
-188.92
Total Equity Gross Minority Interest
762.49
+11.49%
683.91
+5.25%
649.79
+14.22%
568.89
Total Capitalization
776.60
—
699.70
-17.08%
843.80
Invested Capital
946.60
—
699.70
-17.08%
843.80
Total Debt
184.20
0.00
-100.00%
50.00
-81.82%
275.00
Net Debt
42.88
—
—
144.72
Net Tangible Assets
757.43
+11.58%
678.85
+5.29%
644.73
+14.35%
563.83
Tangible Book Value
757.43
+11.58%
678.85
+5.29%
644.73
+14.35%
563.83
Available For Sale Securities
597.90
+5.16%
568.58
—
—
Cash Cash Equivalents And Federal Funds Sold
141.32
-15.98%
168.21
+10.79%
151.82
+16.53%
130.28
Held To Maturity Securities
133.21
+1.25%
131.57
+1.27%
129.92
+1.31%
128.24
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
114.89
+12.10%
102.48
-10.09%
113.98
-32.69%
169.34
Cash Flow From Continuing Operating Activities
114.89
+12.10%
102.48
-10.09%
113.98
-32.69%
169.34
Net Income From Continuing Operations
103.36
+10.57%
93.48
-0.31%
93.77
-9.68%
103.82
Depreciation Amortization Depletion
5.98
+0.42%
5.95
-3.56%
6.17
-8.91%
6.78
Depreciation
5.98
+0.42%
5.95
-3.56%
6.17
+2.54%
6.02
Amortization Cash Flow
—
0.00
0.00
-100.00%
0.76
Depreciation And Amortization
5.98
+0.42%
5.95
-3.56%
6.17
-8.91%
6.78
Amortization Of Intangibles
—
0.00
0.00
-100.00%
0.76
Other Non Cash Items
-5.02
-23.49%
-4.07
-23.10%
-3.30
-149.03%
6.74
Stock Based Compensation
8.56
+86.59%
4.59
+25.54%
3.65
-53.23%
7.81
Operating Gains Losses
-0.48
+94.89%
-9.43
-3470.08%
-0.26
+74.66%
-1.04
Gain Loss On Investment Securities
0.00
+100.00%
-8.95
-35900.00%
0.03
+219.05%
-0.02
Gain Loss On Sale Of PPE
0.09
+4.94%
0.08
+2600.00%
0.00
-57.14%
0.01
Change In Working Capital
-13.46
-43.58%
-9.37
-339.82%
3.91
-86.99%
30.04
Change In Receivables
-0.16
-112.62%
1.28
+120.81%
-6.17
+42.41%
-10.71
Changes In Account Receivables
-0.16
-112.62%
1.28
+120.81%
-6.17
+42.41%
-10.71
Change In Payables And Accrued Expense
-13.29
-24.76%
-10.66
-205.75%
10.08
-75.27%
40.75
Change In Payable
-13.29
-24.76%
-10.66
-205.75%
10.08
-75.27%
40.75
Change In Account Payable
-13.29
-24.76%
-10.66
-205.75%
10.08
-75.27%
40.75
Investing Cash Flow
-325.42
-98.14%
-164.24
-198.98%
-54.93
+91.23%
-626.52
Cash Flow From Continuing Investing Activities
-325.42
-98.14%
-164.24
-198.98%
-54.93
+91.23%
-626.52
Net PPE Purchase And Sale
-11.12
-28.90%
-8.62
-44.26%
-5.98
-24.15%
-4.82
Purchase Of PPE
-11.12
-28.82%
-8.63
-44.12%
-5.99
-24.27%
-4.82
Sale Of PPE
0.01
-40.00%
0.01
-23.08%
0.01
+116.67%
0.01
Capital Expenditure
-11.12
-28.82%
-8.63
-44.12%
-5.99
-24.27%
-4.82
Net Investment Purchase And Sale
-16.51
-134.20%
48.28
-71.57%
169.84
+193.43%
-181.78
Purchase Of Investment
-83.35
-202.89%
-27.52
-283.35%
-7.18
+97.72%
-315.27
Sale Of Investment
66.83
-11.83%
75.80
-57.18%
177.01
+32.60%
133.49
Net Other Investing Changes
-11.63
-4237.37%
0.28
+104.78%
-5.88
+54.15%
-12.83
Financing Cash Flow
183.65
+135.05%
78.13
+308.31%
-37.51
+60.84%
-95.78
Cash Flow From Continuing Financing Activities
183.65
+135.05%
78.13
+308.31%
-37.51
+60.84%
-95.78
Net Issuance Payments Of Debt
184.20
+468.40%
-50.00
+79.76%
-247.00
-211.26%
222.00
Issuance Of Debt
184.20
0.00
0.00
-100.00%
297.00
Repayment Of Debt
0.00
+100.00%
-50.00
+79.76%
-247.00
-229.33%
-75.00
Long Term Debt Issuance
14.20
0.00
0.00
0.00
Long Term Debt Payments
—
0.00
+100.00%
-22.00
+70.67%
-75.00
Net Long Term Debt Issuance
14.20
0.00
+100.00%
-22.00
+70.67%
-75.00
Short Term Debt Issuance
170.00
0.00
-100.00%
50.00
-83.16%
297.00
Short Term Debt Payments
0.00
+100.00%
-50.00
+77.78%
-225.00
0.00
Net Short Term Debt Issuance
170.00
+440.00%
-50.00
+77.78%
-225.00
-175.76%
297.00
Net Common Stock Issuance
-20.02
-9858.21%
-0.20
-18.24%
-0.17
+52.51%
-0.36
Common Stock Payments
-20.39
-3344.43%
-0.59
-2.96%
-0.57
+0.69%
-0.58
Common Stock Dividend Paid
-51.41
-4.33%
-49.28
-4.64%
-47.09
-15.32%
-40.84
Cash Dividends Paid
-51.43
-4.33%
-49.29
-4.64%
-47.11
-15.31%
-40.85
Repurchase Of Capital Stock
-20.39
-3344.43%
-0.59
-2.96%
-0.57
+0.69%
-0.58
Proceeds From Stock Option Exercised
-1.49
+46.96%
-2.81
+10.21%
-3.13
-76.12%
-1.78
Changes In Cash
-26.89
-264.14%
16.38
-23.96%
21.54
+103.90%
-552.96
Beginning Cash Position
168.21
+10.79%
151.82
+16.53%
130.28
-80.93%
683.24
End Cash Position
141.32
-15.98%
168.21
+10.79%
151.82
+16.53%
130.28
Free Cash Flow
103.77
+10.56%
93.85
-13.09%
107.99
-34.36%
164.52
Interest Paid Supplemental Data
158.97
-14.19%
185.26
+44.14%
128.53
+255.90%
36.11
Income Tax Paid Supplemental Data
16.74
-29.53%
23.75
+68.74%
14.07
-31.61%
20.58
Amortization Of Securities
4.01
-16.31%
4.80
-2.42%
4.92
-22.50%
6.34
Common Stock Issuance
0.38
-4.09%
0.39
-3.46%
0.41
+83.26%
0.22
Excess Tax Benefit From Stock Based Compensation
0.14
+163.26%
-0.21
+70.06%
-0.72
-39.69%
-0.51
Issuance Of Capital Stock
0.38
-4.09%
0.39
-3.46%
0.41
+83.26%
0.22
Preferred Stock Dividend Paid
-0.01
+0.00%
-0.01
+0.00%
-0.01
+0.00%
-0.01
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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