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Lakeland Financial Corp. (LKFN)
NASDAQ:LKFN
LKFN Stock Chart & Stats
$56.58
-$0.07(-0.10%)
At close: 4:00 PM EST
$56.58
-$0.07(-0.10%)
Day’s Range― - ―
52-Week Range$50.00 - $69.40
Previous CloseN/A
Volume18.00K
Average Volume (3M)159.26K
Market Cap
$1.43B
Enterprise Value$1.57B
Total Cash (Recent Filing)$141.32M
Total Debt (Recent Filing)$184.20M
Price to Earnings (P/E)12.2
Beta0.73
Next Earnings
Apr 27, 2026EPS Estimate
1.02Next Dividend Ex-DateN/A
Dividend Yield3.37%
Share Statistics
EPS (TTM)1.16
Shares Outstanding25,266,502
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 Cap1.10
Enterprise Value/Revenue3.73
Enterprise Value/Gross Profit6.12
Enterprise Value/Ebitda12.08
Forecast
1Y Price Target
$66.50Price Target Upside17.53% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)4.29
Revenue Forecast (FY)$285.26M
Bulls Say, Bears Say
Bulls Say
Long-term Organic Growth Track RecordA multi-decade record of organic growth and an >8% CAGR in tangible book value shows durable franchise expansion and disciplined capital reinvestment. That history indicates repeatable lending and deposit gathering capabilities in its Indiana markets, supporting stable long-term earnings.
Expanded Share Repurchase AuthorizationA materially larger, flexible repurchase program signals strong capital generation and management confidence in balance-sheet strength. The ability to return excess capital via buybacks alongside dividends supports durable shareholder returns and disciplined capital allocation over coming quarters.
Strengthened Credit LeadershipElevating an experienced internal credit leader to CCO reinforces governance over underwriting and risk controls. Strong credit oversight is a durable advantage for a regional bank, helping preserve asset quality and limit losses through business-cycle swings and local-sector concentration risks.
Bears Say
Sharp 2025 Cash-flow DeteriorationA near halving of operating cash flow and large free cash flow decline in 2025 materially weakens cash conversion quality. If persistent, this reduces internal funding for loan growth, buybacks or dividends and raises reliance on external funding, increasing execution and earnings risk.
Margin Compression Vs Prior YearsSustained margin erosion versus peak years signals normalization of pricing or higher funding/operating costs. Lower structural margins reduce profit sensitivity to asset growth and provide less buffer during credit stress, pressuring long-term return on equity if not reversed.
Leverage / Capital-structure VariabilityMeaningful swings in reported leverage across years create uncertainty about long-term funding policy. Variable debt usage can raise refinancing and interest-rate risk, complicate capital planning, and reduce predictability of dividend/buyback capacity if higher leverage recurs.
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 $50.00 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 Apr 27, 2026 which is in 43 days.
How were Lakeland Financial Corp.’s earnings last quarter?
Lakeland Financial Corp. released its earnings results on Jan 26, 2026. The company reported $1.16 earnings per share for the quarter, beating the consensus estimate of $1.056 by $0.104.
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 $0.5 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 1.02.
How many shares outstanding does Lakeland Financial Corp. have?
Lakeland Financial Corp. has 25,266,502 shares outstanding.
What happened to Lakeland Financial Corp.’s price movement after its last earnings report?
Lakeland Financial Corp. reported an EPS of $1.16 in its last earnings report, beating expectations of $1.056. Following the earnings report the stock price went up 4.199%.
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
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$66.50 (17.53% Upside)
$66.50 (17.53% Upside)
Blogger Sentiment
Neutral
LKFN Sentiment 100%
Sector Average 69%
Sector Average 69%
Hedge Fund Trend
Decreased
By 11.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $261.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-10.39%
12-Months-Change
Fundamentals
Return on Equity
13.50%
Trailing 12-Months
Asset Growth
3.76%
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.
LKFN Stock 12 Month Forecast
Average Price Target
$66.50
▲(17.53% Upside)
Technical Analysis
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Ownership Overview
2.24% Insiders
25.86% Mutual Funds
16.10% Other Institutional Investors
28.43% Public Companies and
Individual Investors