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Lakeland Financial(NASDAQ) LKFN

Current Price$60.59
Market Cap$1.53BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+6,317%
5 Year+24%
1 Year-2%
1 Month+2%
Lakeland Financial last closing stock price
MetricPriceDate
Last closeUSD 61.312026-07-22
Lakeland Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.52%USD 61.632026-07-15
1 month+1.74%USD 60.262026-06-22
3 month+3.02%USD 59.512026-04-23
Year to date+9.32%USD 56.082025-12-31
1 year-2.43%USD 62.842025-07-22
3 year+23.01%USD 49.842023-07-21
5 year+23.51%USD 49.642021-07-23
Since inception+6,316.91%USD 0.961993-12-31

Lakeland Financial Financials at a Glance

Market Cap

$1.53BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$425.24M

Net Income (TTM)

$109.75M

EPS (TTM)

$4.27

P/E Ratio

14.37

Dividend

$2.04

Beta (Volatility)

0.64 (Low)

Price

$60.59

Volume

1,953

Open

$60.12

Previous Close

$61.31

Daily Range

$59.99 - $60.59

52-Week Range

$54.36 - $69.40

Estimated Earnings Date

Jul 27, 2026

LKFN News

BuyAlert-Blue.png

Lakeland Financial Director Keeps Buying: M. Scott Welch Adds $1.4M Worth of Shares in Two Weeks

Andy GouldMar 24, 2026
Generic Upward Getty 2

Why Shares of Lakeland Financial Are Trading Higher Today

Bram BerkowitzJul 28, 2021
check

6 Signs of an Investment Worth Banking On

mfqa robinsonApr 5, 2014

Today's Regional Bank Earnings Roundup

Robert EberhardApr 25, 2012

LKFN: Motley Fool Moneyball Superscore

58

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About Lakeland Financial

Lakeland Financial Corporation offers essential banking services, including loans and deposits, primarily in Indiana. It supports industries like agriculture and manufacturing with tailored financial solutions. The company emphasizes personalized service and local expertise.

Banking Basics and Beyond

Deposit Products: Offers checking, savings, and money market accounts for individuals and businesses.

Loan Products: Provides commercial, real estate, and consumer loans to diverse industries.

Credit Card Services: Includes retail and merchant credit card offerings for businesses.

Wealth Management: Offers advisory and trust services for personal and corporate clients.

Online Services: Features mobile banking and online treasury management for convenience.

Growing the Lakeland Way

Expanded service offerings and geographic presence within Indiana over recent years.

Focused on strategic initiatives to enhance product lines and customer reach.

Continues to adapt to economic conditions and interest rate changes.

What Makes Lakeland Special

Lakeland Financial Corporation stands out with its comprehensive financial services tailored to local markets. Its focus on personalized service and industry expertise differentiates it from competitors.

Five Things You Need to Know

Revenue driven by loan and deposit services as of 2024.

Commercial real estate loans are key revenue contributors.

Strong liquidity position supports growth and regulatory needs.

Faces challenges from interest rate fluctuations and economic conditions.

Net interest margin remains a critical performance metric.

Bottom Line

Lakeland Financial Corporation has evolved by expanding its services and maintaining local market expertise. Its adaptability and comprehensive offerings position it well in the regional banking sector.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

701

CEO

David M. Findlay

Website

www.lakecitybank.com

Headquarters

Warsaw, IN 46581-1387, US

LKFN Financials

Key Financial Metrics (TTM)

Gross Margin

63.00%

Operating Margin

31.49%

Net Income Margin

25.81%

Return on Equity

14.79%

Return on Capital

13.27%

Return on Assets

1.55%

Earnings Yield

6.96%

Dividend Yield

3.33%

Payout Ratio

47.18%

Stock Overview

Market Cap

$1.53BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

24.91M

Volume

1.95K

Avg. Volume

208.19K

Financials (TTM)

Gross Profit

$267.89M

Operating Income

$133.90M

EBITDA

$139.89M

Operating Cash Flow

$120.63M

Capital Expenditure

-$14.05M

Free Cash Flow

$106.58M

Cash & ST Invst.

$65.70M

Total Debt

$75.09M

Lakeland Financial Performance Analysis

Lakeland Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 281,239,00019.5%
20232023-12-31USD 394,579,00040.3%
20242024-12-31USD 430,002,0009.0%
20252025-12-31USD 421,706,000-1.9%
Lakeland Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-304.4%
Q32025-09-301.9%
Q42025-12-31-1.1%
Q12026-03-31-1.6%
Lakeland Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.048.1%
20232023-12-31USD 3.65-9.7%
20242024-12-31USD 3.63-0.5%
20252025-12-31USD 4.0110.4%
Lakeland Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3033.3%
Q32025-09-30-1.0%
Q42025-12-3112.6%
Q12026-03-31-10.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$104.92M

+3.5%

Gross Profit

$67.71M

+18.8%

Gross Margin

64.53%

N/A

Market Cap

$1.53BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.27M

N/A

Employees

674

N/A

Net Income

$26.48M

+31.8%

EBITDA

$34.15M

+32.3%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$65.70M

-94.7%

Total Debt

$75.09M

-30.6%

Accounts Receivable

$29.70M

+3.1%

Inventory

$0.00

N/A

Long Term Debt

$24.36M

+1930.3%

Short Term Debt

$50.73M

-52.6%

Return on Assets

1.55%

N/A

Return on Invested Capital

1.90%

N/A

Free Cash Flow

$29.95M

+10.4%

Operating Cash Flow

$34.67M

+19.9%

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Questions About LKFN

What is the current price of Lakeland Financial?

Lakeland Financial is trading at $60.59 per share.

What is the 52-week range for Lakeland Financial?

Over the past 52 weeks, Lakeland Financial has traded between $54.36 and $69.40.

How much debt does Lakeland Financial have?

As of the most recent reporting period, Lakeland Financial reported total debt of $75.09M.

How much cash does Lakeland Financial have on hand?

Lakeland Financial does not have cash on hand data available.

What is Lakeland Financial’s dividend yield?

Lakeland Financial currently has a dividend yield of 3.33%.

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