Lakeland Financial Corporation

Lakeland Financial Corporation

LKFN
Lakeland Financial CorporationUS flagNASDAQ Global Select
62.11
USD
+0.08
- -
1.55BMarket Cap
Lakeland Financial Corporation
LKFN
(NASDAQ Global Select)

Recent

price

62.11

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.56
4.55
4.43
4.69
5.09
5.21
5.72
6.5
7.19
7.41
7.77
8.75
9.59
9.64
9.87
10.47
10.74
Revenue per Share
0.88
1.26
1.45
1.58
1.77
1.86
2.08
2.28
3.18
3.4
3.31
3.76
4.07
3.66
3.64
4.02
4.29
Basic EPS, GAAP
1.76
1.84
1.95
2.25
1.93
1.87
2.09
2.69
3.84
3.6
3.2
4.22
6.44
4.22
3.66
4.04
4.16
Free Cash Flow per Basic Share
0.48
0.41
0.56
0.38
0.55
0.63
0.73
0.85
1
1.16
1.2
1.36
1.6
1.84
1.92
2
2.02
Dividend per Share
6.67
11.08
11.99
13.24
14.49
15.77
17.25
18.77
21.02
23.06
25.28
27.62
30.28
32.04
33.73
36.02
36.71
Book Value per Share
10.01
11.03
11.96
12.86
14.37
15.56
16.85
18.41
20.43
23.18
25.61
27.47
22.09
25.18
26.44
29.49
29.07
Tangible Book Value per Share
24
24
24
25
25
25
25
25
25
26
25
25
26
26
26
26
26
Basic Weighted Avg Shares
110
111
108
116
126
130
143
164
182
190
198
223
245
247
254
269
275
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
3
4
4
4
4
5
6
6
6
7
8
7
6
6
6
6
Depreciation Expense
25
31
35
39
44
46
52
57
80
87
84
96
104
94
93
103
110
Net Income, GAAP
33.27
32.43
32.68
33.49
33.82
33
32.55
36.04
18.73
18.94
18.81
18.49
17.06
15.01
16.31
17.7
18.03
Effective Tax Rate (%)
22.27
27.72
32.62
33.61
34.71
35.72
36.37
35.02
44.21
45.9
42.6
42.97
42.42
37.98
36.87
38.43
39.93
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
48
46
46
31
31
31
211
31
201
170
86
75
275
50
- -
14
18
LT Debt
247
273
298
322
361
393
427
469
522
598
657
705
569
650
684
762
749
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
13.72
14.24
12.57
12.53
12.77
12.32
12.62
12.67
16.01
15.52
13.67
14.21
14.06
11.77
11.09
11.54
12.1
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
55
170
50
LT Borrowings
1
14
18
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
26
25
25
Market Capitalization
1,650
1,466
1,469

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
641
595
592
Accounts Receivable, Net
29
29
30
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
9
9
9
ST Debt
55
170
50
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.32%
3.78%
11.49%
Free Cash Flow
11.64%
9.6%
10.56%
Net Income, GAAP
9.03%
4.51%
10.57%
Sales/Revenue/Turnover
7.65%
6.41%
6.1%
Total Cash Common Dividend
12.75%
11.1%
4.33%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
60
69
61
64
254
2025
64
66
69
70
269
2026
70
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.91
0.88
0.91
0.94
3.64
2025
0.78
1.05
1.03
1.17
4.02
2026
1.04
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.48
0.48
0.48
0.48
1.92
2025
0.5
0.5
0.5
0.5
2
2026
0.52
- -
- -
- -
- -
Business
Lakeland Financial Corporation serves as the holding entity for Lake City Bank, delivering a broad array of financial offerings and services. The institution manages various deposit accounts, including noninterest-bearing, interest-bearing checking, savings, and money market options, alongside demand deposit services. Its lending portfolio encompasses commercial and industrial financing, commercial real estate, multi-family residential, agricultural, consumer 1-4 family mortgage, and diverse consumer loans. Beyond traditional banking, the company provides retail and business credit card solutions, sophisticated corporate treasury management, and comprehensive wealth advisory and trust services. This includes retail brokerage offerings such as annuities, life insurance, mutual funds, stocks, and financial planning, complemented by contemporary mobile business banking and online treasury management tools. Lake City Bank caters to a wide spectrum of clients across industries like commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance, insurance, hospitality, and healthcare. As of late 2025, the company operates through 55 branches spanning Northern and Central Indiana, with further expansion planned, including a new office in Whitestown, Indiana, expected in 2026. Established in 1872, Lakeland Financial Corporation maintains its corporate headquarters in Warsaw, Indiana.

Company News

APIChatGPT
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  • Lakeland Financial Reports Record First Quarter Performance; Loan Growth of 5% and Revenue Growth of 9% Contribute to 32% Increase in Net Income to $26.5 Million

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  • Why Lakeland Financial (LKFN) is a Great Dividend Stock Right Now

  • Assenagon Asset Management S.A. Buys 32,060 Shares of Lakeland Financial Corporation $LKFN

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

  • Why Lakeland Financial (LKFN) is a Top Dividend Stock for Your Portfolio

  • Citigroup Inc. Lowers Position in Lakeland Financial Corporation $LKFN

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  • Insider Buying: Lakeland Financial (NASDAQ:LKFN) Director Acquires $579,500.00 in Stock

  • Are You Looking for a High-Growth Dividend Stock?

  • Why Lakeland Financial (LKFN) is a Great Dividend Stock Right Now