
Lakeland Financial Corporation
LKFNNASDAQFinancial ServicesBanks - Regional
Regular session
$60.55
+$0.29 · +0.48%
LKFN company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
51
Fair Value
Momentum
45
Neutral
Sentiment
58
Mixed
Risk resilience
73
Moderate Risk
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
AI-generated, informational only, and not investment advice.
Company profile
Company websiteLakeland Financial Corporation serves as the parent organization for Lake City Bank, offering a broad spectrum of banking and financial solutions. The company manages various deposit accounts, including non-interest-bearing and interest-bearing checking, savings, money market, NOW, and demand deposits. Its lending portfolio is diverse, providing commercial and industrial loans, financing for commercial real estate and multi-family residences, agri-business and agricultural loans, and a variety of consumer loans, such as 1-4 family mortgages. Beyond traditional banking, Lakeland Financial offers retail and merchant credit card services, advanced corporate treasury management, wealth advisory, and trust administration. It also facilitates retail brokerage, featuring investment vehicles like annuities and life insurance, and supports clients with mobile business banking and online treasury management platforms. The firm caters to a wide range of sectors, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, hospitality, and healthcare industries. Established in 1872, Lakeland Financial Corporation is headquartered in Warsaw, Indiana. As of December 31, 2021, it operated an extensive network of 51 branches across fifteen counties, with 45 located in northern Indiana and six in central Indiana.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- David Findlay
- Listed since
- Aug 14, 1997
- Employees
- 695
Market position
Day range
Current $60.55
52-week range
Current $60.55
- Open
- $60.16
- Previous close
- $60.26
- Volume
- 8.31K
- 0.04× average
- Average volume
- 189.24K
- Average daily volume
- Market cap
- 1.51B USD
- Beta
- 0.72
- Market reference 1
- 50-day average
- $61.661
- -1.80% below average
- 200-day average
- $59.7215
- +1.39% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 1.59B USD
- P/E (TTM)
- 13.82×
- P/B (TTM)
- 1.96×
- P/S (TTM)
- 3.53×
- EV / EBITDA
- 12.19×
- Earnings yield
- 7.07%
- Free cash flow yield
- 7.10%
- Dividend yield
- 3.40%
Profitability & efficiency
- Gross margin
- 64.08%
- Operating margin
- 31.81%
- Net margin
- 26.04%
- Return on equity
- 13.56%
- Return on assets
- 1.48%
- Return on invested capital
- 10.40%
Financial health
- Debt / equity
- 0.09×
- Current ratio
- 0.03×
- Altman Z-score
- 0.42
- Piotroski F-score
- 8 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 421.71M USD | 430M USD | 393.13M USD | 281.43M USD | 237.94M USD |
| Cost of goods sold | 164.52M USD | 193.23M USD | 152.08M USD | 46.06M USD | 16.21M USD |
| Gross profit | 257.19M USD | 236.77M USD | 241.04M USD | 235.37M USD | 221.73M USD |
| Selling, general, and administrative | 74.49M USD | 70.19M USD | 62.51M USD | 60.53M USD | 60.12M USD |
| Operating expenses | 131.61M USD | 125.08M USD | 130.71M USD | 110.21M USD | 104.29M USD |
| Interest income | 373.74M USD | 373.16M USD | 343.27M USD | 239.57M USD | 193.22M USD |
| Interest expense | 152.72M USD | 176.48M USD | 146.23M USD | 36.68M USD | 15.13M USD |
| Depreciation and amortization | 4.79M USD | 5.95M USD | 6.17M USD | 6.78M USD | 8.39M USD |
| Operating income | 125.58M USD | 111.69M USD | 110.33M USD | 125.16M USD | 117.44M USD |
| Net income | 103.36M USD | 93.48M USD | 93.77M USD | 103.82M USD | 95.73M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 82%
- 9 beats, 2 misses, 0 met estimates
- Average EPS surprise
- +6.01%
- 11 comparable reports
- Latest EPS result
- 1.13
- Estimate 1.08 · Beat by 4.63%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$68.67
13.41% upsideRating distribution
10 ratingsRecent analyst actions
LKFN news
Corporate actions
Annual dividends per share
Cash distributions grouped by calendar year; partial years are marked.
$2.00
2025 complete year+47.1% since 2021
2026 partial: $1.56
$1.36
2,021
$1.60
2,022
$1.84
2,023
$1.92
2,024
$2.00
2,025
$1.56
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Jul 24, 2026 | $0.52Quarterly | Jul 25, 2026 | Aug 5, 2026 |
Dividend | Apr 24, 2026 | $0.52Quarterly | Apr 25, 2026 | May 5, 2026 |
Dividend | Jan 23, 2026 | $0.52Quarterly | Jan 25, 2026 | Feb 5, 2026 |
Dividend | Oct 24, 2025 | $0.50Quarterly | Oct 25, 2025 | Nov 5, 2025 |
Dividend | Jul 25, 2025 | $0.50Quarterly | Jul 25, 2025 | Aug 5, 2025 |
Dividend | Apr 25, 2025 | $0.50Quarterly | Apr 25, 2025 | May 5, 2025 |
Ex-dividend Jul 24, 2026
$0.52
Quarterly
Record Jul 25, 2026 · Payment Aug 5, 2026
Ex-dividend Apr 24, 2026
$0.52
Quarterly
Record Apr 25, 2026 · Payment May 5, 2026
Ex-dividend Jan 23, 2026
$0.52
Quarterly
Record Jan 25, 2026 · Payment Feb 5, 2026
Ex-dividend Oct 24, 2025
$0.50
Quarterly
Record Oct 25, 2025 · Payment Nov 5, 2025
Ex-dividend Jul 25, 2025
$0.50
Quarterly
Record Jul 25, 2025 · Payment Aug 5, 2025
Ex-dividend Apr 25, 2025
$0.50
Quarterly
Record Apr 25, 2025 · Payment May 5, 2025
LKFN peers
ETFs holding LKFN
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Small-Cap ETFIJR93.58M0.08%111.19B USD0.06%$147.13-0.12%
Vanguard Morningstar Total Stock Market ETFVTI47.6M0.00%2.3T USD0.03%$377.38-0.23%
Schwab U.S. Dividend Equity ETFSCHD40.49M0.04%112B USD0.06%$35.1872+0.22%
iShares Russell 2000 ETFIWM37.4M0.05%81.62B USD0.19%$298.88-0.36%
Avantis U.S. Small Cap Value ETFAVUV22.58M0.07%31.27B USD0.25%$126.39-0.05%
Vanguard Extended Market ETFVXF18.01M0.02%93.7B USD0.05%$244.07-0.59%
State Street SPDR Portfolio S&P 600 Small Cap ETFSPSM14.11M0.08%17.03B USD0.03%$57.21-0.12%
Fidelity Enhanced Small Cap ETFFESM14.05M0.22%6.03B USD0.28%$47.74-0.42%
iShares Core S&P Small-Cap ETFIJR- Market value
- 93.58M
- Weight
- 0.08%
- AUM
- 111.19B USD
- Expense ratio
- 0.06%
- Price / 1D
- $147.13-0.12%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 47.6M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $377.38-0.23%
Schwab U.S. Dividend Equity ETFSCHD- Market value
- 40.49M
- Weight
- 0.04%
- AUM
- 112B USD
- Expense ratio
- 0.06%
- Price / 1D
- $35.1872+0.22%
iShares Russell 2000 ETFIWM- Market value
- 37.4M
- Weight
- 0.05%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $298.88-0.36%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 22.58M
- Weight
- 0.07%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.39-0.05%
Vanguard Extended Market ETFVXF- Market value
- 18.01M
- Weight
- 0.02%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $244.07-0.59%
State Street SPDR Portfolio S&P 600 Small Cap ETFSPSM- Market value
- 14.11M
- Weight
- 0.08%
- AUM
- 17.03B USD
- Expense ratio
- 0.03%
- Price / 1D
- $57.21-0.12%
Fidelity Enhanced Small Cap ETFFESM- Market value
- 14.05M
- Weight
- 0.22%
- AUM
- 6.03B USD
- Expense ratio
- 0.28%
- Price / 1D
- $47.74-0.42%
Continue in GoAI
Research LKFNresearch.disclaimer











