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LKFN Stock Chart & Stats
$61.11
$2.24(3.67%)
At close: 4:00 PM EDT
$61.11
$2.24(3.67%)
Day’s Range― - ―
52-Week Range$54.36 - $69.40
Previous Close$63.35
Volume197.72K
Average Volume (3M)159.26K
Market Cap
$1.53B
Enterprise Value$1.57K
Total Cash (Recent Filing)$67.76M
Total Debt (Recent Filing)$70.00M
Price to Earnings (P/E)13.9
Beta0.72
Next Earnings
Oct 28, 2026EPS Estimate
1.09Next Dividend Ex-DateN/A
Dividend Yield3.37%
Share Statistics
EPS (TTM)4.38
Shares Outstanding24,857,840
10 Day Avg. Volume222,204
30 Day Avg. Volume159,261
Financial Highlights & Ratios
PEG Ratio1.36
Price to Book (P/B)1.92
Price to Sales (P/S)3.47
P/FCF Ratio14.09
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$67.00Price Target Upside9.64% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)4.32
Revenue Forecast (FY)$291.37M
Bulls Say, Bears Say
Bulls Say
High Profitability & MarginsSustained high margins and above-average ROE indicate durable earnings power from core lending and fee businesses. These structural profitability metrics support reinvestment, consistent earnings generation, and the ability to absorb shocks without immediate capital raises, bolstering long-term resilience.
Strong Cash GenerationRobust operating and free cash flow with FCF near net income reflects high cash conversion and underlying cash profitability. This durable cash generation underpins the dividend, funds organic loan and deposit growth, and provides flexibility to cover provisions or strategic investments without heavy external financing.
Solid Capital & Dividend PolicyStrong tangible equity and risk-based capital ratios combined with a recurring dividend demonstrate conservative capital management and shareholder-return discipline. This structural capital buffer gives the bank capacity to grow loans, withstand credit stress, and maintain investor confidence over multiple quarters.
Bears Say
CRE / Mortgage ConcentrationA growing share of CRE, multifamily and mortgage exposure increases the loan book's sensitivity to property cycles and regional economic weakness. This structural concentration raises the probability of correlated credit losses and could require higher provisions or capital if local real estate softens over the medium term.
Volatile Revenue GrowthLarge year-to-year swings in revenue imply dependence on episodic drivers like loan origination cycles, investment gains, or fee timing. This structural volatility complicates planning for provisioning, capital allocation, and operating investment, making sustained forecasting and margin stability more challenging over coming quarters.
Inconsistent Leverage HistoryMaterial historical swings in leverage and funding mix show management has meaningfully shifted capital structure across cycles. Such inconsistency can reduce predictability of funding costs and financial flexibility, potentially amplifying earnings volatility if market or deposit conditions tighten.
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 $1.53B.
When is Lakeland Financial Corp.’s upcoming earnings report date?
Lakeland Financial Corp.’s upcoming earnings report date is Oct 28, 2026 which is in 78 days.
How were Lakeland Financial Corp.’s earnings last quarter?
Lakeland Financial Corp. released its earnings results on Jul 27, 2026. The company reported $1.13 earnings per share for the quarter, beating the consensus estimate of $1.075 by $0.055.
Is Lakeland Financial Corp. overvalued?
According to Wall Street analysts Lakeland Financial Corp.’s price is currently Undervalued.
Does Lakeland Financial Corp. pay dividends?
Lakeland Financial Corp. pays a Quarterly dividend of $0.52 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 24,857,840 shares outstanding.
What happened to Lakeland Financial Corp.’s price movement after its last earnings report?
Lakeland Financial Corp. reported an EPS of $1.13 in its last earnings report, beating expectations of $1.075. Following the earnings report the stock price went up 3.666%.
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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$67.00 (9.64% Upside)
$67.00 (9.64% Upside)
Blogger Sentiment
Neutral
LKFN Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 8.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $486.2K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-10.39%
12-Months-Change
Fundamentals
Return on Equity
3.37%
Trailing 12-Months
Asset Growth
4.00%
Trailing 12-Months
Company Description
Lakeland Financial Corp.
Lakeland 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.
LKFN Stock 12 Month Forecast
Average Price Target
$67.00
▲(9.64% Upside)
Technical Analysis
Ownership Overview
3.07% Insiders
29.44% Mutual Funds
2.87% Other Institutional Investors
34.19% Public Companies and
Individual Investors