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LKFN

Lakeland Financial Corporation

LKFN

NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.6B

$62.40

▼ -1.14%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$54.36 - $69.40

P/E

14.61

Fwd P/E

14.37

Beta

0.73

Div Yield

3.23%

Avg Vol

182.7K

Shares Out

26.1M

Mkt Cap

$1.6B

Price action

Price chart

Down 2.2% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

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

Strong

+8.6% over 3m

Quality

Excellent

High-growth business (65% revenue growth, 63% gross margin). Profitable with strong growth momentum.

Dividend

Solid

3.23% yield

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 24, 2026

“
Q2 26 RECAP

APR 27, 2026

Reported EPS of $1.04 vs $1.01 consensus (+3.0% surprise). Revenue of $69.7M vs $70.4M expected (-1.0%).

EPS beat +3.0%
Revenue miss

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+3.0%

Next: Apr 24, 2026

Revenue trend · last 8Q

—

—

—

+6%

-3%

+13%

+10%

+64%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$68.7M

$61.2M

$63.6M

$63.8M

$105.9M

$107.8M

$106.6M

$104.9M

Margins · last 8Q

Gross

—

Operating

—

Profit

25.2%

View full earnings history →

Wall Street consensus

1 analyst · 0% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

0%

Hold

1

100%

Sell

0%

Median Price Target

—

Latest: Stephens · $66.00 · Jan 27, 2026

View full analyst page →

vs Industry

How LKFN stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.