LKFN · Lakeland Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.50M | - | - | - | $1.48M | - | - | - | $1.53M | - |
| Operating Income | $32.55M | - | $32.06M | $32.93M | $24.24M | - | $27.74M | $26.92M | $27.80M | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - |
| Income Tax | $6.08M | - | $5.66M | $5.96M | $4.16M | - | $4.40M | $4.37M | $4.40M | - |
| Net Income | $26.48M | - | $26.40M | $26.97M | $20.09M | - | $23.34M | $22.55M | $23.40M | - |
| EPS - Basic | $1.04 | - | $1.03 | $1.05 | $0.78 | - | $0.91 | $0.88 | $0.91 | - |
| EPS - Diluted | $1.04 | - | $1.03 | $1.04 | $0.78 | - | $0.91 | $0.87 | $0.91 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $151.32M | $141.32M | $192.84M | $310.18M | $235.22M | $168.21M | $160.19M | $121.18M | $147.69M | $151.82M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $7.08B | $6.99B | $6.90B | $6.96B | $6.85B | $6.68B | $6.65B | $6.57B | $6.57B | $6.52B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | $30.00M | $55.00M | - | $50.00M |
| Total Liabilities | $6.33B | $6.23B | $6.15B | $6.25B | $6.16B | $5.99B | $5.95B | $5.91B | $5.92B | $5.87B |
| Stockholders' Equity | $748.90M | $762.40M | $747.41M | $709.90M | $694.42M | $683.82M | $699.09M | $654.50M | $646.92M | $649.70M |
| Retained Earnings | $801.62M | $788.35M | $771.29M | $757.74M | $743.65M | $736.41M | $724.55M | $713.54M | $703.33M | $692.76M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $34.67M | - | - | - | $28.92M | - | - | - | $24.79M | - |
| Investing Cash Flow | ($91.82M) | - | - | - | ($115.15M) | - | - | - | ($61.86M) | - |
| Financing Cash Flow | $67.16M | - | - | - | $153.25M | - | - | - | $32.93M | - |
| CapEx | $4.71M | - | - | - | $1.79M | - | - | - | $1.54M | - |
| Free Cash Flow | $29.95M | - | - | - | $27.14M | - | - | - | $23.25M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.13 | - | - | - | 1.35 | - | - | - | 0.99 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 18.7% | - | 17.6% | 18.1% | 17.1% | - | 15.9% | 16.2% | 15.8% | - |
| Return on assets | 0.4% | - | 0.4% | 0.4% | 0.3% | - | 0.4% | 0.3% | 0.4% | - |
| Return on equity | 3.5% | - | 3.5% | 3.8% | 2.9% | - | 3.3% | 3.4% | 3.6% | - |
| Return on invested capital | - | - | - | - | - | - | 3.2% | 3.2% | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | 0.04 | 0.08 | - | 0.08 |
| Debt / Assets | - | - | - | - | - | - | 0.00 | 0.01 | - | 0.01 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | - | - |
| Equity multiplier | 9.46 | 9.17 | 9.23 | 9.81 | 9.87 | 9.77 | 9.51 | 10.04 | 10.15 | 10.04 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 | 0.89 | 0.90 | 0.90 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 55.2x | - | 62.3x | 59.1x | 76.2x | - | 71.6x | 70.7x | 72.9x | - |
| P / B | 2.0x | - | 2.2x | 2.2x | 2.2x | - | 2.4x | 2.4x | 2.6x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 38.5x | - | - | - | 50.5x | - | - | - | 53.2x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 34.3% | - | 15.6% | 22.3% | -12.8% | - | -6.7% | 63.3% | -0.9% | - |
| Net income growth (YoY) | 31.8% | - | 13.1% | 19.6% | -14.2% | - | -7.6% | 54.3% | -3.6% | - |
| EPS growth (YoY) | 33.3% | - | 13.2% | 19.5% | -14.3% | - | -7.1% | 52.6% | -3.2% | - |
| EPS CAGR (3y) | 3.4% | - | -2.5% | 1.3% | -5.4% | - | -1.1% | -2.9% | 0.4% | - |
| EPS CAGR (5y) | 2.9% | - | 3.0% | 6.2% | 3.1% | - | 1.9% | 0.5% | 1.6% | - |
| FCF growth (YoY) | 10.4% | - | - | - | 16.7% | - | - | - | -8.0% | - |
| FCF CAGR (5y) | 6.6% | - | - | - | 9.3% | - | - | - | 1.5% | - |
| Book value growth (YoY) | 7.8% | 11.5% | 6.9% | 8.5% | 7.3% | 5.3% | 25.5% | 10.6% | 7.5% | 14.2% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing LAKELAND FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$2.04/share trailing 12 months · +4.1% YoY
| Ex-date | Per share |
|---|---|
| Apr 24, 2026 | $0.5200 |
| Jan 23, 2026 | $0.5200 |
| Oct 24, 2025 | $0.5000 |
| Jul 25, 2025 | $0.5000 |
| Apr 25, 2025 | $0.5000 |
| Jan 24, 2025 | $0.5000 |
| Oct 25, 2024 | $0.4800 |
| Jul 25, 2024 | $0.4800 |
| Apr 24, 2024 | $0.4800 |
| Jan 24, 2024 | $0.4800 |
| Oct 24, 2023 | $0.4600 |
| Jul 24, 2023 | $0.4600 |
| Apr 24, 2023 | $0.4600 |
| Jan 24, 2023 | $0.4600 |
| Oct 24, 2022 | $0.4000 |
| Jul 22, 2022 | $0.4000 |
| Apr 22, 2022 | $0.4000 |
| Jan 24, 2022 | $0.4000 |
| Oct 22, 2021 | $0.3400 |
| Jul 22, 2021 | $0.3400 |
| Apr 22, 2021 | $0.3400 |
| Jan 22, 2021 | $0.3400 |
| Oct 22, 2020 | $0.3000 |
| Jul 23, 2020 | $0.3000 |