Lakeland Financial Corp. (LKFN)
NASDAQ:LKFN
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LKFN Stock Chart & Stats
$61.32
-$0.07(-0.10%)
At close: 4:00 PM EST
$61.32
-$0.07(-0.10%)
Day’s Range― - ―
52-Week Range$54.36 - $69.40
Previous CloseN/A
Volume18.00K
Average Volume (3M)159.26K
Market Cap
$1.43B
Enterprise Value$1.44B
Total Cash (Recent Filing)$65.70M
Total Debt (Recent Filing)$75.09M
Price to Earnings (P/E)13.7
Beta0.76
Next Earnings
Jul 27, 2026EPS Estimate
1.09Next Dividend Ex-DateN/A
Dividend Yield3.37%
Share Statistics
EPS (TTM)4.29
Shares Outstanding24,913,586
10 Day Avg. Volume222,204
30 Day Avg. Volume159,261
Financial Highlights & Ratios
PEG Ratio1.35
Price to Book (P/B)1.92
Price to Sales (P/S)3.47
P/FCF Ratio14.09
Enterprise Value/Market Cap1.01
Enterprise Value/Revenue3.38
Enterprise Value/Gross Profit5.36
Enterprise Value/Ebitda10.47
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.31
Revenue Forecast (FY)$291.29M
Bulls Say, Bears Say
Bulls Say
Strong Capital RatiosHigh tangible common equity and risk-based capital provide a durable buffer against credit losses and regulatory shocks, enabling steadier lending and underwriting through cycles. This capital strength supports strategic growth, preserves franchise value, and reduces likelihood of forced capital actions over 2–6 months.
Long-term TBV And ROE Track RecordA multi-decade compound tangible book value track record and consistent ROE indicate disciplined capital allocation and sustainable profitability. Such structural compounding reflects repeatable core earnings generation and competitive positioning in the bank's regional footprint over the medium term.
Shareholder-friendly Capital ActionsAn expanded buyback program signals excess capital and management confidence in returns on equity; combined with a recurring dividend policy, it indicates conservative capital management and a durable framework for returning capital, supporting shareholder value over multiple quarters.
Bears Say
Volatile Revenue And Cash FlowLarge swings in revenue and operating/free cash flow suggest earnings are sensitive to timing, interest rate moves, or one-off items. This variability reduces predictability of core earnings and capital generation, complicating planning for lending growth, reserves, and sustainable dividend/buyback pacing over months.
Rising CRE & Mortgage ConcentrationsConcentrations in commercial real estate and mortgages increase exposure to localized economic stress or sector downturns. Over a medium-term credit cycle, elevated concentration heightens potential for correlated losses and reserve swings, pressuring net income and capital if regional conditions deteriorate.
Inconsistent Leverage And Debt VariabilityMeaningful year-to-year variability in debt levels indicates less consistent funding or liability management. That unpredictability can affect net interest margin, liquidity planning, and capital ratios, reducing visibility into balance-sheet resiliency and raising execution risk in managing growth or stress scenarios.
Lakeland Financial News
LKFN FAQ
What was Lakeland Financial Corp.’s price range in the past 12 months?
Lakeland Financial Corp. lowest stock price was $54.36 and its highest was $69.40 in the past 12 months.
What is Lakeland Financial Corp.’s market cap?
Lakeland Financial Corp.’s market cap is $1.43B.
When is Lakeland Financial Corp.’s upcoming earnings report date?
Lakeland Financial Corp.’s upcoming earnings report date is Jul 27, 2026 which is in 71 days.
How were Lakeland Financial Corp.’s earnings last quarter?
Lakeland Financial Corp. released its earnings results on Apr 27, 2026. The company reported $1.04 earnings per share for the quarter, beating the consensus estimate of $1.012 by $0.028.
Is Lakeland Financial Corp. overvalued?
According to Wall Street analysts Lakeland Financial Corp.’s price is currently Overvalued.
Does Lakeland Financial Corp. pay dividends?
Lakeland Financial Corp. pays a Quarterly dividend of $0.5 which represents an annual dividend yield of 3.37%. See more information on Lakeland Financial Corp. dividends here
What is Lakeland Financial Corp.’s EPS estimate?
Lakeland Financial Corp.’s EPS estimate is 1.09.
How many shares outstanding does Lakeland Financial Corp. have?
Lakeland Financial Corp. has 24,913,586 shares outstanding.
What happened to Lakeland Financial Corp.’s price movement after its last earnings report?
Lakeland Financial Corp. reported an EPS of $1.04 in its last earnings report, beating expectations of $1.012. Following the earnings report the stock price went up 3.116%.
Which hedge fund is a major shareholder of Lakeland Financial Corp.?
Currently, no hedge funds are holding shares in LKFN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Lakeland Financial Stock Smart Score
Neutral
1
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4
5
6
7
8
9
10
Blogger Sentiment
Neutral
LKFN Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 11.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $874.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-10.39%
12-Months-Change
Fundamentals
Return on Equity
14.79%
Trailing 12-Months
Asset Growth
3.39%
Trailing 12-Months
Company Description
Lakeland Financial Corp.
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.
Technical Analysis
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Ownership Overview
3.09% Insiders
29.52% Mutual Funds
15.80% Other Institutional Investors
23.21% Public Companies and
Individual Investors