LKFN Stock - Lakeland Financial Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $430.00M | $393.13M | $281.43M | $237.94M | $228.08M |
| Gross Profit | $236.77M | $241.04M | $235.37M | $221.73M | $183.22M |
| Gross Margin | 55.1% | 61.3% | 83.6% | 93.2% | 80.3% |
| Operating Income | $111.69M | $110.33M | $125.16M | $117.44M | $103.88M |
| Net Income | $93.48M | $93.77M | $103.82M | $95.73M | $84.34M |
| Net Margin | 21.7% | 23.9% | 36.9% | 40.2% | 37.0% |
| EPS | $3.64 | $3.66 | $4.07 | $3.76 | $3.31 |
Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. Its loan products include commercial and industrial, commercial real estate and multi-family residential, agri-business and agricultural, consumer 1-4 family mortgage, and other consumer loans. The company also offers retail and merchant credit card services; corporate treasury management, wealth advisory, and trust services; retail brokerage services, including various financial and investment products, such as annuities and life insurance; and mobile business banking and on-line treasury management services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. As of December 31, 2021, the company operated 51 offices in fifteen counties, including 45 offices in northern Indiana and six offices in central Indiana. Lakeland Financial Corporation was founded in 1872 and is headquartered in Warsaw, Indiana.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| May 6th 2025 | Hovde Group | Upgrade | Outperform | $72 |
| March 21st 2025 | Hovde Group | Initiation | Market Perform | $66 |
| February 21st 2023 | Raymond James | Upgrade | Outperform | $78 |
Earnings History & Surprises
LKFNEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 23, 2026 | — | — | — | — |
Q1 2026 | Jan 23, 2026 | $1.05 | — | — | — |
Q4 2025 | Oct 27, 2025 | $1.02 | $1.03 | +1.0% | ✓ BEAT |
Q3 2025 | Jul 25, 2025 | $0.93 | $1.04 | +11.8% | ✓ BEAT |
Q2 2025 | Apr 25, 2025 | $0.87 | $0.78 | -10.3% | ✗ MISS |
Q1 2025 | Jan 24, 2025 | $0.89 | $0.94 | +5.6% | ✓ BEAT |
Q4 2024 | Oct 25, 2024 | $0.88 | $0.91 | +3.4% | ✓ BEAT |
Q3 2024 | Jul 25, 2024 | $0.85 | $0.87 | +2.4% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $0.86 | $0.91 | +5.8% | ✓ BEAT |
Q1 2024 | Jan 25, 2024 | $0.89 | $1.16 | +30.3% | ✓ BEAT |
Q4 2023 | Oct 25, 2023 | $0.90 | $0.98 | +8.9% | ✓ BEAT |
Q3 2023 | Jul 21, 2023 | $0.91 | $0.57 | -37.4% | ✗ MISS |
Q2 2023 | Apr 25, 2023 | $1.09 | $0.94 | -13.8% | ✗ MISS |
Q1 2023 | Jan 25, 2023 | $1.13 | $1.01 | -10.6% | ✗ MISS |
Q4 2022 | Oct 25, 2022 | $1.03 | $1.11 | +7.8% | ✓ BEAT |
Q3 2022 | Jul 25, 2022 | $0.96 | $1.00 | +4.2% | ✓ BEAT |
Q2 2022 | Apr 25, 2022 | $0.93 | $0.92 | -1.1% | ✗ MISS |
Q1 2022 | Jan 25, 2022 | $0.96 | $0.95 | -1.0% | ✗ MISS |
Q4 2021 | Oct 25, 2021 | $0.93 | $0.94 | +1.1% | ✓ BEAT |
Q3 2021 | Jul 26, 2021 | $0.84 | $0.95 | +13.1% | ✓ BEAT |
Latest News
Raymond James Reiterates Outperform on Lakeland Financial, Lowers Price Target to $68
📈 PositiveKeefe, Bruyette & Woods Maintains Market Perform on Lakeland Financial, Lowers Price Target to $66
➖ NeutralLakeland Financial Q3 Adj. EPS $1.03 Misses $1.04 Estimate, Sales $69.027M Miss $69.152M Estimate
📉 NegativeLake City Bank To Invest $12M In Innovation & Technology Center As Part Of Downtown Warsaw Expansion; Completion Expected Summer 2026
📈 PositiveFrequently Asked Questions about LKFN
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