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    Lakeland Financial Corporation (LKFN)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $57.91
    +0.89 (+1.56%)

    Market Cap: $1.42B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    82%(32/39)
    Avg Surprise
    +4.34%
    Streak
    3 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.09
    Range$1.07 - $1.11
    5 analysts
    EPS Revisions
    1
    0
    7d
    1
    2
    30d
    EPS Estimate DriftChange to current
    90d ago$1.09-0.6%
    60d ago$1.09-0.2%
    30d ago$1.09-0.2%
    7d ago$1.09-0.2%
    Current$1.09
    Revenue Consensus
    $74M
    Range$73M - $74M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.20
    Range$1.16 - $1.24
    5 analysts
    Revenue Consensus
    $74M
    Range$74M - $75M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.20---
    Sep 26EST
    		-$1.09---
    Jun 26
    Reported Jul 27
    		$1.13$1.07+5.61%Beat+8.7%
    Mar 26
    Reported Apr 27
    		$1.04$1.01+2.97%Beat+33.3%
    Dec 25
    Reported Jan 26
    		$1.16$1.06+9.43%Beat+23.4%
    Sep 25
    Reported Oct 27
    		$1.03$1.04-0.96%Miss+13.2%
    Jun 25
    Reported Jul 25
    		$1.04$0.97+7.22%Beat+40.5%
    Mar 25
    Reported Apr 25
    		$0.78$0.89-12.36%Miss-11.4%
    Dec 24
    Reported Jan 24
    		$0.94$0.90+4.44%Beat-4.1%
    Sep 24
    Reported Oct 25
    		$0.91$0.88+3.41%Beat-7.1%
    Jun 24
    Reported Jul 25
    		$0.74$0.85-12.94%Miss+29.8%
    Mar 24
    Reported Apr 25
    		$0.88$0.86+2.33%Beat-6.4%
    Dec 23
    Reported Jan 25
    		$0.98$0.89+10.11%Beat-3.0%
    Sep 23
    Reported Oct 25
    		$0.98$0.90+8.89%Beat-11.7%
    Jun 23
    Reported Jul 21
    		$0.57$0.91-37.36%Miss-43.0%
    Mar 23
    Reported Apr 25
    		$0.94$1.09-13.76%Miss+2.2%
    Dec 22
    Reported Jan 25
    		$1.01$1.13-10.62%Miss+6.3%
    Sep 22
    Reported Oct 25
    		$1.11$1.03+7.77%Beat+18.1%
    Jun 22
    Reported Jul 25
    		$1.00$0.96+4.17%Beat+5.3%
    Mar 22
    Reported Apr 25
    		$0.92$0.90+2.22%Beat+2.2%
    Dec 21
    Reported Jan 25
    		$0.95$0.96-1.04%Miss-2.1%
    Sep 21
    Reported Oct 25
    		$0.94$0.93+1.08%Beat+5.6%
    Jun 21
    Reported Jul 26
    		$0.95$0.86+10.47%Beat+23.4%
    Mar 21
    Reported Apr 26
    		$0.90$0.88+2.27%Beat+34.3%
    Dec 20
    Reported Jan 25
    		$0.97$0.81+19.75%Beat+12.8%
    Sep 20
    Reported Oct 26
    		$0.89$0.72+23.61%Beat+7.2%
    Jun 20
    Reported Jul 27
    		$0.77$0.50+54.00%Beat-9.4%
    Mar 20
    Reported Apr 27
    		$0.67$0.59+13.56%Beat-20.2%
    Dec 19
    Reported Jan 27
    		$0.86$0.77+11.69%Beat+3.6%
    Sep 19
    Reported Oct 25
    		$0.83$0.77+7.79%Beat+3.7%
    Jun 19
    Reported Jul 25
    		$0.85$0.81+4.94%Beat+9.0%
    Mar 19
    Reported Apr 25
    		$0.84$0.81+3.70%Beat+18.3%
    Dec 18
    Reported Jan 25
    		$0.83$0.79+5.06%Beat+36.1%
    Sep 18
    Reported Oct 25
    		$0.80$0.78+2.56%Beat+29.0%
    Jun 18
    Reported Jul 25
    		$0.78$0.75+4.00%Beat+30.0%
    Mar 18
    Reported Apr 25
    		$0.71$0.70+1.43%Beat+24.6%
    Dec 17
    Reported Jan 25
    		$0.61$0.61+0.00%Beat+15.1%
    Sep 17
    Reported Oct 25
    		$0.62$0.60+3.33%Beat-
    Jun 17
    Reported Jul 25
    		$0.60$0.55+9.09%Beat-
    Mar 17
    Reported Apr 25
    		$0.57$0.52+9.62%Beat-
    Dec 16
    Reported Jan 25
    		$0.53$0.52+1.92%Beat-

    Dividends

    Dividend Metrics

    Forward Yield3.59%
    Forward Annual Dividend$2.08
    Payout Ratio46.41%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+7.72%
    5Y CAGR+10.76%
    LKFN dividend history and ex-dividend datesRun LKFN in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio13.28EV/EBITDA9.50x
    Price/FCF13.00xFCF Yield7.69%
    Profitability
    Profit Margin40.60%Operating Margin51.50%
    ROE15.00%ROIC14.36%
    Financial Health
    Debt/Equity0.00xInterest Coverage0.92x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.76Avg Volume234.99K
    52-Week High$64.5552-Week Low$53.43

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$57.59
    SMA 20$58.20
    SMA 50$59.63
    SMA 200$59.31
    EMA 10$57.59
    EMA 20$58.13
    EMA 50$59.18
    EMA 200$59.48

    MACD

    Line: -0.73Signal: -0.71Hist: -0.01

    ADX

    ADX: 24.3+DI: 22.1-DI: 30.3

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down96.0
    PSAR$55.61

    Bollinger Bands

    Upper Band$60.13
    Lower Band$56.28
    %B Position661%(Upper)
    Band Width0.42

    RSI (14-Day)

    Neutral
    45.8

    Momentum Oscillators

    Stoch %K33.7
    Stoch %D24.0
    Williams %R-45.1
    ROC (10d)-0.3%
    Momentum-0.18
    CCI (20d)-27.4
    MFI (14d)39.0

    Volatility Measures

    ATR (14d)$1.16(2.0%)
    StdDev (20d)0.96
    Hist Vol16.6%(Low)

    Volume Flow

    VWAP$57.88
    OBV-1.5M
    AD Line-54.8M
    CMF (20d)-0.068

    Volume Metrics

    Avg Vol (20d)237.2K
    Vol Ratio1.5x(High)
    VWMA (20d)$58.28

    Pivot Points

    R3$59.09
    R2$58.11
    R1$57.56
    Pivot Point$56.59
    S1$56.04
    S2$55.06
    S3$54.52

    Advanced Oscillators

    TSI-20.62
    Ultimate Osc51.6
    KST-39.20

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$70.87M$69.71M$69.80M$69.03M$66.36M$63.80M$63.57M$61.19M$68.73M$60.03M$65.81M$59.23M
    Cost of RevenueN/A$37.21M$36.81M$40.81M$42.51M$44.38M$45.37M$48.80M$53.92M$45.14M$42.64M$40.63M
    Gross ProfitN/A$67.71M$69.80M$67.03M$63.36M$57.00M$59.88M$58.13M$60.26M$58.51M$65.51M$58.83M
    Operating Expenses$34.46M$35.15M$33.45M$34.97M$30.43M$32.76M$30.65M$30.39M$33.33M$30.70M$29.45M$29.10M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$32.55M$36.35M$32.06M$32.93M$24.24M$29.23M$27.74M$26.92M$27.80M$36.06M$29.73M
    Interest Income$95.15M$91.99M$94.01M$94.89M$94.39M$90.45M$93.37M$95.02M$93.74M$91.03M$90.94M$88.62M
    Interest Expense$36.85M$35.21M$36.81M$38.81M$39.51M$37.58M$41.68M$45.74M$45.44M$43.62M$42.34M$40.23M
    Income Before Tax$34.71M$32.55M$36.35M$32.06M$32.93M$24.24M$29.23M$27.74M$26.92M$27.80M$36.06M$29.73M
    Income Tax Expense$6.27M$6.08M$6.45M$5.66M$5.96M$4.16M$5.04M$4.40M$4.37M$4.40M$6.44M$4.48M
    Net Income$28.44M$26.48M$29.91M$26.40M$26.97M$20.09M$24.19M$23.34M$22.55M$23.40M$29.63M$25.25M
    EBITDA$37.20M$35.02M$38.51M$34.72M$35.51M$26.82M$31.49M$30.58M$29.66M$30.71M$38.41M$32.75M
    EBIT$34.71M$32.55M$36.35M$32.06M$32.93M$24.24M$29.23M$27.74M$26.92M$27.80M$36.06M$29.73M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Lakeland Financial : Lake City Bank Welcomes Shelby E. Cook as Assistant Vice President, Retail Banking Officer of Jimtown Branch

    Lake City Bank has appointed Shelby E. Cook as Assistant Vice President, Retail Banking Officer for its Jimtown branch. In this role, Cook will manage sales, service, daily operations, and staff support. Cook...

    www.marketscreener.com•9/4/26•Somewhat-Bullish

    Renaissance Technologies LLC Decreases Stock Holdings in Lakeland Financial Corporation $LKFN

    Renaissance Technologies LLC significantly reduced its stake in Lakeland Financial Corporation (NASDAQ:LKFN) by 55% in the first quarter...

    MarketBeat•8/9/26•Somewhat-Bearish

    Wall Street Zen Downgrades Lakeland Financial (NASDAQ:LKFN) to Sell

    Wall Street Zen has downgraded Lakeland Financial (NASDAQ:LKFN) from a "hold" to a "sell" rating. This contrasts with other analysts who maintain a more neutral "hold" rating with an average price target of $66.50....

    MarketBeat•8/9/26•Somewhat-Bearish

    Lakeland Financial Corporation $LKFN Shares Sold by First Trust Advisors LP

    First Trust Advisors LP reduced its stake in Lakeland Financial Corporation by 31.3% in the first quarter, selling 17,768 shares and retaining 38,990 shares valued at $2.24 million. Despite institutional ownership...

    MarketBeat•8/8/26•Neutral

    Lakeland Financial SVP Donald Robinson-Gay sells $31,500 in stock By Investing.com

    Donald Robinson-Gay, SVP at Lakeland Financial Corp, sold 500 shares of company stock for $31,500. Following the sale, he directly holds 7,610 shares. The company's stock is considered undervalued by InvestingPro...

    Investing.com Nigeria•8/7/26•Neutral

    LKFN Valuation and Fair Value

    P/E
    13.3x
    Forward P/E
    20.1x
    EV/EBITDA
    9.5x
    P/FCF
    13.0x
    PEG
    1.4x
    P/B
    1.9x
    See GNG's fair value

    LKFN Profitability: Margins, ROIC and FCF

    Operating margin
    51.5%
    Net margin
    40.6%
    ROIC
    14.4%
    ROE
    15.0%
    FCF margin
    40.0%
    FCF yield
    7.7%

    LKFN Competitors

    CompanyTicker
    United Fire Group IncUFCS
    Bitfarms LtdBITF
    BlackRock Capital Allocation TrustBCAT
    BlackRock ESG Capital Allocation TrustECAT
    Esquire Financial Holdings IncESQ
    Tompkins Financial CorporationTMP
    Triumph Financial, Inc.TFIN
    Westamerica BancorporationWABC

    Sector: Financial Services

    LKFN Analyst Ratings

    Consensus
    Hold
    Analysts
    5
    Strong Buy
    0
    Buy
    0
    Hold
    5
    Sell
    0
    Strong Sell
    0

    LKFN Bull Case vs Bear Case

    Bull case

    • LKFN converts 40.0% of revenue into free cash flow.
    • LKFN has a 40.6% net profit margin.
    • LKFN beat EPS estimates in 75.0% of its last 8 reported quarters.

    LKFN Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    2.5%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.09
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 2 down

    LKFN Dividend

    Forward yield
    3.6%
    Payout ratio
    46.4%
    3Y DPS growth
    7.7%
    5Y DPS growth
    10.8%
    Pay months
    Feb, May, Aug, Nov
    LKFN dividend history

    Frequently Asked Questions About LKFN

    What is LKFN's current dividend yield?

    Lakeland Financial Corporation (LKFN) has a forward dividend yield of 3.59%.

    Does LKFN pay dividends?

    Yes, Lakeland Financial Corporation pays dividends with a forward dividend yield of 3.59%.

    What is LKFN's P/E ratio?

    Lakeland Financial Corporation has a price-to-earnings (P/E) ratio of 13.28.

    What is LKFN's market cap?

    Lakeland Financial Corporation (LKFN) has a market capitalization of $1.42B with a current stock price of $57.91.

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