Lakeland Financial Corporation (LKFN)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 62.90 $ — 58% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
8/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 11.1%
- Exp. sales growth 3Y > 5% -14.9%
- EBIT growth 10Y > 5% 5.6%
- Exp. EBIT growth 3Y > 5% 5.9%
- Net debt < 4x EBIT 0.3x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 11.8%
- Return on equity > 15% 13.6%
- ROCE > 15% 15.2%
- Expected return > 10% 12.9%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 14.4% failed
- More than 10% revenue growth is expected for the coming year 4.8% failed
- Share count grows by less than 3% a year 0.1% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 22.7% failed
- Gross margin at 40% or higher and without meaningful erosion 61.0% failed
- Goodwill from acquisitions does not grow faster than revenue 0.1% passed
- Net debt below twice EBITDA 0.3 x EBITDA passed
- Operating cash flow covers the profits of the last three years 41 m passed
- Return on capital at 15% or higher, or up versus two years ago 15.3% passed
- Insiders hold at least 10% or are net buyers 2.8% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 5.7% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 5
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 4.38 | 4.36 – 4.42 | 291 | 9.2% | 4 |
| 12/31/2027 | 4.50 | 4.45 – 4.55 | 305 | 2.7% | 4 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.09 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.94 | -18.50 | 105 | -2.70 | 23.00 | 39 | 37 |
| 2025: Q1 | 0.78 | -14.40 | 101 | -2.20 | 19.80 | 29 | 27 |
| 2025: Q2 | 1.05 | 19.40 | 106 | -7.30 | 25.50 | 16 | 14 |
| 2025: Q3 | 1.02 | 12.90 | 108 | 0.80 | 24.50 | 36 | 31 |
| 2025: Q4 | 1.16 | 23.70 | 107 | 1.30 | 28.10 | 34 | 32 |
| 2026: Q1 | 1.04 | 33.40 | 105 | 3.50 | 25.20 | 35 | 30 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 164 | 77 | 52 | 2.05 | 62 | 427 | 4,290 |
| 2017 | 194 | 90 | 57 | 2.23 | 77 | 469 | 4,683 |
| 2018 | 230 | 99 | 80 | 3.13 | 105 | 522 | 4,875 |
| 2019 | 250 | 107 | 87 | 3.38 | 100 | 598 | 4,947 |
| 2020 | 228 | 104 | 84 | 3.30 | 87 | 657 | 5,830 |
| 2021 | 238 | 117 | 96 | 3.74 | 114 | 705 | 6,557 |
| 2022 | 281 | 125 | 104 | 4.04 | 169 | 569 | 6,432 |
| 2023 | 343 | 110 | 94 | 3.65 | 114 | 650 | 6,524 |
| 2024 | 430 | 112 | 93 | 3.63 | 102 | 684 | 6,678 |
| 2025 | 422 | 126 | 103 | 4.01 | 115 | 762 | 6,990 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Lakeland Financial Corporation ist die Bankholding der Lake City Bank, die verschiedene Bankprodukte und -dienstleistungen in den USA anbietet. Das Unternehmen nimmt verschiedene Einlagenprodukte an, darunter unverzinsliche und verzinsliche Giro-, Spar-, Geldmarkt-, NOW- und d…
| Employees | 695 |
|---|---|
| Headquarters | Warsaw, IN |
| Address | 202 East Center Street, 46581-1387 Warsaw, United States |
| Phone | 574 267 6144 |
| Website | lakecitybank.com |
| IPO Date | 15. Aug 1997 |
| ISIN | US5116561003 |
| Stock Split | 3:2 on 08/08/2016 |
Management
| Name | Title | Birth Year |
|---|---|---|
| David M. Findlay | Chairman & CEO | 1962 |
| Kristin L. Pruitt J.D. | President & Director | 1972 |
| Lisa M. O'Neill CPA | Executive VP & CFO | 1968 |
| Eric H. Ottinger | Executive VP & Chief Commercial Banking Officer | 1970 |
| Stephanie R. Leniski | Executive VP & Chief Retail Banking Officer | 1975 |
| Brok A. Lahrman | Chief Accounting Officer & Senior VP of Finance | 1986 |
| Rickard James Donovan | Senior VP, General Counsel & Secretary | 1968 |
| Kyra E. Clark | Senior VP & Chief Human Resource Officer | 1979 |
| Kirtus D. Murray | Senior VP of Consumer & Home Loans and Retail Lending Manager | – |
| Donald J. Robinson-Gay | Executive VP & Chief Credit Officer | 1978 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 30. Jul 2026 | Clark Kyra E | Senior Vice President | Sell | 250 | 63.22 | 15,805 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.