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Lakeland Financial Corporation LKFN R2K

Financial Services · Banks - Regional · United States
https://www.lakecitybank.com
Company Profile ↓
$60.56
-5.80% 1Y
Mkt Cap$1.51B
P/E14.18
P/B2.06
Div. Yield3.37%
52W High$67.00
52W Low$54.55
Book Value$30.04
EPS (TTM)$4.27

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.2%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 11.2% per year over the last five years.

Reasonable Valuation

Trades at an undemanding P/E of 14.2.

Healthy Margins

Maintains a net profit margin of 41.0%.

Dividend Income

Offers a dividend yield of 3.37%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +18.8%, earnings +33.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.0%, profit CAGR 11.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.03%
1 Year:18.80%

Compounded Profit Growth

5 Years:11.17%
1 Year:33.30%

Stock Price Performance

1 Year:-5.80%
6 Months:+7.85%
3 Months:+0.21%
1 Month:-0.44%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 48% of range
$54.55 $67.00
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)48.93 · Neutral
Price Performance
1M-0.44%
3M+0.21%
6M+7.85%
1Y-5.80%
Valuation vs Sector

P/E of 14.18 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 41.0%.
  • Profit CAGR of 11.2% over 5 years.
  • Attractive dividend yield of 3.37%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.18
Industry PE
13.30
Forward P/E
13.38
PEG Ratio
1.44
Book Value
$30.04
Price to Book
2.06
P/S
5.75
EV/EBITDA
-
Dividend Yield
3.37%

Growth (CAGR)

Revenue 5Y
3.03%
Profit 5Y
11.17%
Revenue (YoY)
18.80%
Earnings (YoY)
33.30%

Profitability & Returns

ROCE
-
ROE
15.21%
ROA
1.57%
Profit Margin
40.97%
Op Margin
49.37%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.04
EPS (TTM)
$4.27

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$75.09M
Total Assets
$7.08B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.82%
Chg in Prom Hold
-
FII / Inst Holding
87.24%
Chg in FII Hold
0.04%

Financial Snapshot

Enterprise Value
$1.51B
Total Revenue (TTM)
$267.89M
EBITDA
-
Free Cash Flow
$103.77M
Operating Cash Flow
$120.63M
Shares Outstanding
24.91M
Gross Margin
0.00%
Payout Ratio
47.31%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 LKFN Lakeland Financial Corporation R2K 60.56 14.18 $1.51B 3.37% - 15.21% 3.03% 11.17%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ----251.00K264.00K--2.42M280.00K------------------------------
Net Income 12.80M13.48M13.52M14.51M15.36M15.82M11.63M18.34M20.14M20.57M21.36M21.68M21.71M21.45M22.20M17.30M19.67M22.78M24.59M22.98M24.35M24.12M24.28M23.64M25.67M28.52M25.98M24.28M14.61M25.25M29.63M23.40M22.55M23.34M24.19M20.09M26.97M26.40M29.91M26.48M
Diluted EPS 0.500.530.530.570.600.620.450.710.790.800.830.840.850.830.860.670.770.890.970.900.950.940.950.921.001.111.010.940.570.981.160.910.870.910.940.781.041.031.161.04

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------928.00K1.01M985.00K-------
Net Income 18.98M24.54M30.66M35.39M38.84M43.80M46.37M52.08M57.33M80.41M87.05M84.34M95.73M103.82M93.77M93.48M103.36M
Diluted EPS 1.261.321.882.152.331.741.842.052.233.133.383.303.744.043.653.634.01

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --2.68B2.89B3.06B3.18B3.44B3.77B4.29B4.68B4.88B4.95B5.83B6.56B6.43B6.52B6.68B6.99B
Total Equity 149.88M279.99M247.00M273.20M297.74M321.88M361.30M392.81M426.98M468.58M521.62M598.01M657.10M704.82M568.80M649.70M683.82M762.40M
Cash & Equivalents 64.01M55.98M60.14M104.58M232.24M63.10M90.64M80.67M167.28M176.18M216.92M99.38M249.93M683.24M130.28M151.82M168.21M141.32M
Long Term Debt -------------75.00M297.00M50.00M--
Total Liabilities --2.43B2.62B2.77B2.85B3.08B3.37B3.86B4.21B4.35B4.35B5.17B5.85B5.86B5.87B5.99B6.23B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 24.26M45.70M51.40M50.59M62.97M55.70M55.78M62.20M77.24M104.97M100.04M87.23M113.77M169.34M113.98M102.48M114.89M
Investing Cash Flow -204.37M-119.65M-176.73M-58.72M-312.52M-239.79M-339.11M-442.45M-396.05M-166.44M-168.69M-712.02M-331.55M-626.52M-54.93M-164.24M-325.42M
Financing Cash Flow 172.08M78.11M169.77M135.78M80.42M211.63M273.36M466.86M327.71M102.21M-48.89M775.34M651.09M-95.78M-37.51M78.13M183.65M
Capital Expenditure -1.32M-3.03M-6.66M-2.90M-7.50M-6.57M-9.17M-9.82M-9.58M-7.97M-8.00M-5.72M-6.17M-4.82M-5.99M-8.63M-11.12M
Free Cash Flow 22.94M42.67M44.74M47.69M55.46M49.13M46.61M52.37M67.66M97.01M92.04M81.51M107.60M164.52M107.99M93.85M103.77M
Share Buybacks 231.00K212.00K244.00K421.00K399.00K444.00K455.00K458.00K495.00K463.00K515.00K10.55M559.00K579.00K575.00K592.00K20.39M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------5,612.5%5,698.8%8,163.6%-------
ROE % 6.8%9.9%11.2%11.9%12.1%12.1%11.8%12.2%12.2%15.4%14.6%12.8%13.6%18.3%14.4%13.7%13.6%
ROCE % -----------------

Shareholding Pattern

Insiders
2.82%
Institutions
87.24%
Public Float
89.77%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.19% 3.54M $218.67M
2 Neuberger Berman Group, LLC 8.69% 2.17M $133.90M
3 State Street Corporation 5.53% 1.38M $85.25M
4 Vanguard Capital Management LLC 4.41% 1.10M $67.90M
5 Charles Schwab Investment Management, Inc. 3.49% 869.27K $53.75M
6 Dimensional Fund Advisors LP 2.70% 672.17K $41.56M
7 Geode Capital Management, LLC 2.56% 636.79K $39.38M
8 Silvercrest Asset Management Group, LLC 2.55% 636.12K $39.33M
9 Copeland Capital Management, LLC 2.43% 606.36K $37.49M
10 Vanguard Portfolio Management LLC 2.30% 573.73K $35.48M

Analyst View

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Latest News

Recent headlines for LKFN

Google News ue, 14 Jul 2026

Lakeland Financial (NASDAQ: LKFN) sets $0.52 quarterly cash dividend - Stock Titan

<a href="https://news.google.com/rss/articles/CBMisgFBVV95cUxOdUc2em4teWZRdmFkUjFnU05fOGVJajZPT1NYXzJ2dkV0VUxCTHhlLXBVdDZlU1VtV2s0aTc1alF0T3pQQ2kyM2Zwejd0aUpuWW5rT1hLc0drUlRSck82UlAwVk1jOUluNkc0RWl1ZEhTYzRraU5zXzVaZ0NJWlJvZmp6SXAtVmpBNXBWNT…

Google News Fri, 10 Jul 2026

Lakeland Financial (LKFN) Could Be a Great Choice - Yahoo! Finance Canada

<a href="https://news.google.com/rss/articles/CBMijAFBVV95cUxNd0N4QjZlSW90ZU1KZzFqemRSekpXV295NmR1WXNCb1BQOE5fTGxxUXZtZlNkaHB5cDUwbEdiMEsyYnVOMFpaYVVVRUFvZGxtTmFRM1gwMEFpbVVFcUVzMnZ5TlVKdTFNMFdrelVKbTRLa20xbU5peTBMZG9FNDlRMzZyUkpQQW9IaXZuZA…

Google News Fri, 10 Jul 2026

Lakeland Financial (LKFN) director granted 366 phantom stock units tied to common stock - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiuAFBVV95cUxQT1VueU1JZ01hZnAtTVBlZ0JpeVpKdElDUGVSSW40TWVlTWFaWTZwTXExOW13MGJUT2F3aUdjcnlHX0Rzb3Q1a2NhbTBhX3FQM3BIMWx2aWZyOEEzSW9zWFNVMTNhQ0I4SXRlTVNnYUg2MExNR1RFN3JxcnV6Wm91LXg2Z2wzX1Y0Q0NGWS…

Google News Wed, 08 Jul 2026

Avoiding Lag: Real-Time Signals in (LKFN) Movement - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxNZkFfWkxfemNKM0dGeXA2d1RDVTRiYmVZLWM0U2NWOEV2dlktTFloVTcxWm9BX2NFVnFTYk41TFRpeWdJYVhTMHVjSzlUak9PaEZ3ak1fXzRnay0yV1NoaHBpV2gzc0tFa2dtUE9GMEppckEtdkZWME9jTk5oaUFrUTc3WDQ1WldEczlCbk…

Google News hu, 14 May 2026

Winners And Losers Of Q1: Lake City Bank (NASDAQ:LKFN) Vs The Rest Of The Regional Banks Stocks - StockStory

<a href="https://news.google.com/rss/articles/CBMi5AFBVV95cUxOVWJld3ZVUHRrZzhudzRENjBTd0VuNFJKN2Q3SzMtSm9FQ3d2T21FaWgtWC1TT1dMZHJKNzlwNmFyX0RremZDOTQzb1ZBdFUwem1nTThoRGFPQ0Vma1BLM1o4WmZtSHZWOEJnRFQzYnlUcnZEdEphemE2N2lBeUUxNFh4QnVaZXNQb3gzTi…

Google News Mon, 27 Apr 2026

LAKELAND FINANCIAL ($LKFN) Releases Q1 2026 Earnings - Quiver Quantitative

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LKFN — Frequently Asked Questions

What is the current share price of Lakeland Financial Corporation (LKFN)?

As of 2026-07-14 21:23 PDT, Lakeland Financial Corporation (LKFN) trades at $60.56 on NasdaqGS. Its 52-week range is $54.55 to $67.00.

What is the market capitalisation of LKFN?

Lakeland Financial Corporation (LKFN) has a market capitalisation of $1.51B on NasdaqGS.

What is the P/E ratio of LKFN?

LKFN trades at a trailing price-to-earnings (P/E) ratio of 14.18. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 2.06.

Does LKFN pay a dividend?

Lakeland Financial Corporation (LKFN) currently offers a dividend yield of 3.37%.

What is the return on equity (ROE) of LKFN?

LKFN has a return on equity (ROE) of 15.21%.

Is LKFN a good stock to buy?

This page provides a data-driven analysis of Lakeland Financial Corporation (LKFN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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