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Lakeland Financial Corporation LKFN R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.lakecitybank.com
Company Profile ↓
$60.57
-1.15% 1Y
Mkt Cap$1.51B
P/E13.89
P/B1.98
Div. Yield3.34%
52W High$66.43
52W Low$54.09
Book Value$31.11
EPS (TTM)$4.36

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

Reasonable Valuation

Trades at a P/E of 13.9, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 40.6%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.24.

Dividend Income

Offers a dividend yield of 3.34%.

Positive Free Cash Flow

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

Recent Developments

  • Dec 2025 Revenue of $268.99M (+6.1% YoY); net profit $103.36M.
  • Trailing 12 Months Year-on-year growth — revenue +9.2%, earnings +8.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.2%, profit CAGR -0.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.20%
1 Year:9.20%

Compounded Profit Growth

5 Years:-0.15%
1 Year:8.70%

Stock Price Performance

1 Year:-1.15%
6 Months:+8.34%
3 Months:+1.83%
1 Month:-2.79%

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

Technical Snapshot Mixed
52-Week Range 53% of range
$54.09 $66.43
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)49.93 · Neutral
Price Performance
1M-2.79%
3M+1.83%
6M+8.34%
1Y-1.15%
Valuation vs Sector

P/E of 13.89 is below the sector median of 14.52 — relatively cheaper 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 40.6%.
  • Attractive dividend yield of 3.34%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -0.1% CAGR over 5 years.

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

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Valuation

Stock P/E
13.89
Industry PE
14.52
Forward P/E
13.46
PEG Ratio
1.44
Book Value
$31.11
Price to Book
1.98
P/S
5.61
EV/EBITDA
-
Dividend Yield
3.34%

Growth (CAGR)

Revenue 5Y
3.20%
Profit 5Y
-0.15%
Revenue (YoY)
9.20%
Earnings (YoY)
8.70%

Profitability & Returns

ROCE
-
ROE
15.00%
ROA
1.57%
Profit Margin
40.64%
Op Margin
51.46%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.13
EPS (TTM)
$4.36

Balance Sheet & Liquidity

Debt/Equity
0.24
Quick Ratio
-
Current Ratio
-
Debt
$77.89M
Total Assets
$7.24B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.83%
Chg in Prom Hold
0.01%
FII / Inst Holding
88.20%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
$1.51B
Total Revenue (TTM)
$273.69M
EBITDA
-
Free Cash Flow
$103.77M
Operating Cash Flow
$128.83M
Shares Outstanding
24.86M
Gross Margin
0.00%
Payout Ratio
46.79%

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 R2KR3KFINANCIAL 60.57 13.89 $1.51B 3.34% - 15.00% 3.20% -0.15%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 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 2026Jun 2026
Revenue ---251.00K264.00K--2.42M280.00K-------------------------------
Net Income 13.48M13.52M14.51M15.36M15.82M11.63M18.34M20.14M20.57M21.36M21.68M21.71M21.45M22.20M17.30M19.67M22.78M24.59M22.98M24.35M24.12M24.28M23.64M25.67M28.52M25.98M24.28M14.61M25.25M29.63M23.40M22.55M23.34M24.19M20.09M26.97M26.40M29.91M26.48M28.44M
Diluted EPS 0.530.530.570.600.620.450.710.790.800.830.840.850.830.860.670.770.890.970.900.950.940.950.921.001.111.010.940.570.981.160.910.870.910.940.781.041.031.161.041.13

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---244.75M246.89M253.52M268.99M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------36.68M146.23M176.48M152.72M
Pretax Income -------------125.16M110.33M111.69M125.58M
Tax Provision -------------21.35M16.57M18.21M22.22M
Net Income 18.98M24.54M30.66M35.39M38.84M43.80M46.37M52.08M57.33M80.41M87.05M84.34M-103.82M93.77M93.48M103.36M
Diluted EPS 1.261.321.882.152.331.741.842.052.233.133.383.30-4.043.653.634.01

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 --2.68B2.89B3.06B3.18B3.44B3.77B4.29B4.68B4.88B4.95B5.83B-6.43B6.52B6.68B6.99B
Current Assets ------------------
Cash & Equivalents 64.01M55.98M60.14M104.58M232.24M63.10M90.64M80.67M167.28M176.18M216.92M99.38M249.93M-130.28M151.82M168.21M141.32M
Inventory ------------------
Receivables --------------27.99M30.01M28.45M29.00M
Total Liabilities --2.43B2.62B2.77B2.85B3.08B3.37B3.86B4.21B4.35B4.35B5.17B-5.86B5.87B5.99B6.23B
Current Liabilities ------------------
Long Term Debt -------------75.00M275.00M50.00M-14.20M
Total Debt --------------275.00M50.00M0184.20M
Total Equity 149.88M279.99M247.00M273.20M297.74M321.88M361.30M392.81M426.98M468.58M521.62M598.01M657.10M-568.80M649.70M683.82M762.40M
Shares Outstanding --------------25.83M25.90M25.98M26.02M

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 24.26M45.70M51.40M50.59M62.97M55.70M55.78M62.20M77.24M104.97M100.04M87.23M-169.34M113.98M102.48M114.89M
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--626.52M-54.93M-164.24M-325.42M
Financing Cash Flow 172.08M78.11M169.77M135.78M80.42M211.63M273.36M466.86M327.71M102.21M-48.89M775.34M--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--4.82M-5.99M-8.63M-11.12M
Free Cash Flow 22.94M42.67M44.74M47.69M55.46M49.13M46.61M52.37M67.66M97.01M92.04M81.51M-164.52M107.99M93.85M103.77M
Net Change in Cash --------------552.96M21.54M16.38M-26.89M
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%---42.4%38.0%36.9%38.4%
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%-18.3%14.4%13.7%13.6%
ROCE % -----------------

Shareholding Pattern

Insiders
2.83%
Institutions
88.20%
Public Float
90.77%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.64% 3.64M $216.92M
2 Neuberger Berman Group, LLC 8.75% 2.18M $129.70M
3 State Street Corporation 5.75% 1.43M $85.13M
4 Vanguard Capital Management LLC 4.29% 1.07M $63.50M
5 Charles Schwab Investment Management, Inc. 3.78% 940.86K $56.08M
6 Dimensional Fund Advisors LP 2.76% 687.08K $40.96M
7 Fuller & Thaler Asset Management Inc. 2.73% 679.65K $40.51M
8 Geode Capital Management, LLC 2.66% 661.62K $39.44M
9 Vanguard Portfolio Management LLC 2.41% 598.95K $35.70M
10 Silvercrest Asset Management Group, LLC 2.37% 588.82K $35.10M

Analyst View

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Latest News

Recent headlines for LKFN

Google News Sat, 05 Sep 2026

Are You Looking for a High-Growth Dividend Stock? - Eastern Progress

<a href="https://news.google.com/rss/articles/CBMiygFBVV95cUxOWUpQeFlVVkRCWkU1b1pwbXBhVFNGZlIzNTZpYU5UTXhkVEd2ZndTdkJ5SzFZX0FNejViSjRkTnpCRnRQb05Vem9tNWtjc2R2cUFYcXNKb0JPM1BOdDJBLXVmbThMWkpOUGZBMVBOXzlXUlJMZFlyczN4cG9udWF3UHVZRmFaMUNtdGkyb2…

Google News Wed, 12 Aug 2026

Why Lakeland Financial (LKFN) is a Great Dividend Stock Right Now - Yahoo Finance

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Google News Mon, 27 Jul 2026

Lakeland Financial (LKFN) Stock Faces Premium P/E As 40.6% Net Margin Reinforces Bullish Narratives - simplywall.st

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Google News Mon, 27 Jul 2026

Lake City Bank (NASDAQ:LKFN) Reports Sales Below Analyst Estimates In Q2 CY2026 Earnings - StockStory

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Google News Sat, 05 Sep 2026

LKFN stock holds near 52-week high after strong Q2 EPS - ad-hoc-news.de

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Google News hu, 06 Aug 2026

Insider Sale: Senior Vice President of $LKFN Sells 500 Shares - quiverquant.com

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LKFN — Frequently Asked Questions

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

As of 2026-09-07 16:24 PDT, Lakeland Financial Corporation (LKFN) trades at $60.57 on NasdaqGS. Its 52-week range is $54.09 to $66.43.

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 13.89. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.98.

Does LKFN pay a dividend?

Lakeland Financial Corporation (LKFN) currently offers a dividend yield of 3.34%.

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

LKFN has a return on equity (ROE) of 15.00%.

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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