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Lakeland Financial CorporationNasdaqGS:LKFN Stock Report

Market Cap US$1.5b
Share Price
n/a
1Y-8.4%
7D0.5%
1D0.4%
Portfolio Value
​
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Lakeland Financial Corporation

NasdaqGS:LKFN Stock Report

Market Cap: US$1.5b

Lakeland Financial (LKFN) Stock Overview

Operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. More details

LKFN fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 38% below our estimate of its fair value

Earnings have grown 1.3% per year over the past 5 years

Pays a reliable dividend of 3.45%

Risk Analysis

No risks detected for LKFN from our risk checks.

LKFN Community Fair Values

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Lakeland Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for Lakeland Financial
Historical stock prices
Current Share PriceUS$60.22
52 Week HighUS$66.83
52 Week LowUS$54.36
Beta0.71
1 Month Change-1.33%
3 Month Change-1.00%
1 Year Change-8.44%
3 Year Change22.30%
5 Year Change-6.16%
Change since IPO2,790.56%

Recent News & Updates

Seeking Alpha • Aug 03

Lakeland Financial: A Well-Managed Indiana Bank But A Bit Too Expensive For Me

Summary Lakeland Financial delivered strong Q2 results, with net profit up 5% and EPS rising 8% to $1.14. LKFN's robust loan book and reduced loan loss provisions drove improved profitability and a payout ratio below 50%. The stock trades at roughly 2x tangible book and 13-14x earnings, reflecting market appreciation for its quality metrics. I have a 'hold' rating, citing valuation; would consider buying in the low $50s, but see limited near-term entry opportunities. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Aug 03

Lakeland Financial: A Well-Managed Indiana Bank But A Bit Too Expensive For Me

Summary Lakeland Financial delivered strong Q2 results, with net profit up 5% and EPS rising 8% to $1.14. LKFN's robust loan book and reduced loan loss provisions drove improved profitability and a payout ratio below 50%. The stock trades at roughly 2x tangible book and 13-14x earnings, reflecting market appreciation for its quality metrics. I have a 'hold' rating, citing valuation; would consider buying in the low $50s, but see limited near-term entry opportunities. Read the full article on Seeking Alpha
Analysis Article • Jan 17

Lakeland Financial's (NASDAQ:LKFN) Dividend Will Be Increased To $0.52

Lakeland Financial Corporation's ( NASDAQ:LKFN ) periodic dividend will be increasing on the 5th of February to $0.52...
Analysis Article • Apr 01

Lakeland Financial Corporation's (NASDAQ:LKFN) CEO Will Probably Struggle To See A Pay Rise This Year

Key Insights Lakeland Financial to hold its Annual General Meeting on 8th of April CEO David Findlay's total...
Seeking Alpha • Mar 13

Lakeland Financial: Upgrading To Hold And Raising The EPS Estimate

Summary Loan growth will likely slow down this year because retaliatory tariffs by China and Canada do not bode well for the agriculture segment. After Lakeland Financial's net interest margin expanded by more than expected, I’m raising my average margin estimate for 2025. I’m raising my EPS estimate to $3.70 from my previous estimate of $3.64. The year-end target price suggests a 3.6% price upside as of the writing of this report. Further, LKFN is offering a moderate dividend yield of 3.3%. Hence, I’m upgrading to a Hold rating. Read the full article on Seeking Alpha
Analysis Article • Jan 19

Lakeland Financial (NASDAQ:LKFN) Has Announced That It Will Be Increasing Its Dividend To $0.50

The board of Lakeland Financial Corporation ( NASDAQ:LKFN ) has announced that it will be increasing its dividend by...
Seeking Alpha • Dec 26

Lakeland Financial: Positive Earnings Outlook, Expensive Stock Price, And Large Short Interest (Rating Downgrade)

Summary I’m adopting a sell rating for a one-year horizon. The stock price could get buoyed by the large short interest in the near term. Loan growth will likely continue at a normal rate as Indiana’s economy remains satisfactory. However, shrinking agricultural product margins can restrain loan growth. The margin will likely remain largely unaffected by rate changes. I’m expecting earnings to grow by just 2% to $3.64 per share in 2025. Read the full article on Seeking Alpha
Analysis Article • Apr 14

Lakeland Financial (NASDAQ:LKFN) Has Announced A Dividend Of $0.48

The board of Lakeland Financial Corporation ( NASDAQ:LKFN ) has announced that it will pay a dividend on the 6th of...
Analysis Article • Jan 28

Lakeland Financial Corporation Just Beat EPS By 7.8%: Here's What Analysts Think Will Happen Next

Shareholders of Lakeland Financial Corporation ( NASDAQ:LKFN ) will be pleased this week, given that the stock price is...
Analysis Article • Jul 15

Lakeland Financial (NASDAQ:LKFN) Is Paying Out A Larger Dividend Than Last Year

Lakeland Financial Corporation ( NASDAQ:LKFN ) will increase its dividend from last year's comparable payment on the...
Analysis Article • Jun 09

Here's Why We Think Lakeland Financial (NASDAQ:LKFN) Is Well Worth Watching

For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...

Shareholder Returns

LKFNUS BanksUS Market
7D0.5%1.1%0.9%
1Y-8.4%18.9%15.5%

Return vs Industry: LKFN underperformed the US Banks industry which returned 18.9% over the past year.

Return vs Market: LKFN underperformed the US Market which returned 15.5% over the past year.

Price Volatility

Is LKFN's price volatile compared to industry and market?
LKFN volatility
LKFN Average Weekly Movement3.1%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.6%
10% least volatile stocks in US Market3.0%

Stable Share Price: LKFN has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: LKFN's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1872665David Findlaywww.lakecitybank.com

Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. It also offers loan products, including commercial and industrial, commercial real estate and multi-family residential, construction, agri-business and agricultural, consumer 1-4 family mortgage, and other commercial and consumer loans.

Lakeland Financial Corporation Fundamentals Summary

How do Lakeland Financial's earnings and revenue compare to its market cap?
LKFN fundamental statistics
Market capUS$1.49b
Earnings (TTM)US$111.23m
Revenue (TTM)US$273.69m
13.5x
P/E Ratio
1.9x
P/B Ratio

Is LKFN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
LKFN income statement (TTM)
RevenueUS$273.69m
Cost of RevenueUS$0
Gross ProfitUS$273.69m
Other ExpensesUS$162.47m
EarningsUS$111.23m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

Oct 26, 2026

Earnings per share (EPS)4.47
Gross Margin100.00%
Net Profit Margin40.64%
Debt/Equity Ratio9.2%

How did LKFN perform over the long term?

See historical performance and comparison

Dividends

3.5%
Current Dividend Yield
47%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/09 21:43
End of Day Share Price 2026/09/09 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Lakeland Financial Corporation is covered by 9 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kevin ReeveyD.A. Davidson & Co.
Brendan NosalHovde Group, LLC
Damon DelMonteKeefe, Bruyette, & Woods