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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
$1.56B
Enterprise Value$1.47K
Total Cash (Recent Filing)$65.70M
Total Debt (Recent Filing)$75.09M
Price to Earnings (P/E)14.6
Beta0.72
Next Earnings
Jul 27, 2026EPS Estimate
1.08Next Dividend Ex-DateN/A
Dividend Yield3.25%
Share Statistics
EPS (TTM)4.29
Shares Outstanding24,913,586
10 Day Avg. Volume222,204
30 Day Avg. Volume159,261
Financial Highlights & Ratios
PEG Ratio1.36
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.32
Revenue Forecast (FY)$291.84M
Bulls Say, Bears Say
Bulls Say
Strong Profitability And MarginsSustained high margins (TTM net margin ~24.5%, EBITDA ~30.9%) and ROE near 14.8% indicate durable earnings power. Robust free cash flow covering ~90% of net income supports reinvestment, dividend capacity and the ability to absorb credit or rate shocks over the medium term.
Conservative Capital PositionHealthy regulatory capital metrics and a described "fortress" balance sheet provide a durable cushion against credit losses and regulatory stress tests. Strong capital ratios increase the bank's capacity to originate loans, support growth, and sustain dividends without aggressive external financing.
Consistent Capital Return PolicyA steady quarterly dividend reflects management confidence in recurring cash generation and disciplined capital allocation. Given solid free cash flow and capital ratios, a consistent payout policy supports investor returns and signals long-term financial stability and prioritization of shareholder distributions.
Bears Say
Revenue And Cash-flow VolatilitySignificant swings in revenue and intermittent free cash flow patterns make earnings less predictable over cycles. For a regional bank, this variability can strain planning for loan loss reserves, capital allocation and dividends, raising execution risk during adverse rate or credit backdrops.
Inconsistent Leverage And Funding PatternsMaterial year-to-year swings in debt levels suggest opportunistic funding or balance-sheet adjustments that may complicate interest expense forecasting and capital planning. Inconsistent leverage can weaken confidence in long-term funding stability and raise execution risk under stress scenarios.
Regional Concentration & Cycle SensitivityHeavy concentration in an Indiana footprint limits geographic diversification and amplifies exposure to local economic cycles. Regional banks face more pronounced swings in loan demand, asset quality and deposit costs, increasing earnings and reserve sensitivity to regional downturns.
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 $1.56B.
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 6 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 $0.52 which represents an annual dividend yield of 3.25%. See more information on Lakeland Financial Corp. dividends here
What is Lakeland Financial Corp.’s EPS estimate?
Lakeland Financial Corp.’s EPS estimate is 1.08.
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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3
4
5
6
7
8
9
10
Blogger Sentiment
Neutral
LKFN Sentiment 50%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Increased
By 8.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $570.2K 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
3.25%
Trailing 12-Months
Asset Growth
3.39%
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.
Technical Analysis
Ownership Overview
3.06% Insiders
29.37% Mutual Funds
0.05% Other Institutional Investors
38.21% Public Companies and
Individual Investors