Lakeland Financial Corporation
LKFN
NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.5B
$60.57
▲ +0.90%
P/E
13.86
Mkt Cap
$1.5B
52-Wk Range
$54.36–$68.40
52-Week Range
$54.36 - $68.40
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 10.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- 150+ year operating history and strong community relationships in Indiana markets
- Diversified revenue streams across lending, deposits, wealth management, and fee-based services
- Established presence with 51 offices across 15 counties providing local market expertise
- Specialized lending capabilities in agriculture, manufacturing, and commercial real estate sectors
- Integrated digital banking platform with mobile and online treasury management solutions
Bear Case
2 risks
- Low volatility (beta 0.7).
- Growth premium of 1.2x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion of commercial lending portfolio in growing Indiana markets
Value
Growth premium of 1.2x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Stable
+1.5% over 3m
Quality
Excellent
High-growth business (45% revenue growth, 64% gross margin). Profitable with strong growth momentum.
Dividend
Solid
3.40% yield
Smart-money signal
Who's buying LKFN right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 26, 2026
JUL 27, 2026
Reported EPS of $1.13 vs $1.08 consensus (+4.6% surprise). Revenue of $70.9M vs $72.1M expected (-1.7%).
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+4.6%
Revenue trend · last 8Q
—
—
+6%
-3%
+13%
+10%
+64%
+2%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$61.2M
$63.6M
$63.8M
$105.9M
$107.8M
$106.6M
$104.9M
$107.7M
Margins · last 8Q
Gross
64.2%
Operating
32.4%
Profit
26.4%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How LKFN stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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