Lakeland Financial Corporation

LKFN | NASDAQ

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$59.93

+$0.23 (+0.39%)

At close: Sep 21, 2026, 4:00 PM ET

$59.69

-$0.24 (-0.40%)

Pre-market: Sep 22, 2026, 5:32 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.49B

Enterprise Value $1.5B

Beta 0.71

Average Volume 189.67K

Shares Outstanding (Diluted) 25.23M

Shares Change YoY -2.14%

Institutional Ownership 82.19%

Exchange NASDAQ

ISIN US5116561003

Price Performance

Price Change 1M -0.4%

Price Change 3M -2.2%

Price Change 6M 5.5%

Price Change YTD 6.2%

Price Change 1Y -7.8%

Price Change 3Y 30.3%

Price Change 5Y -10.3%

1M CAGR (ann.) -4.2%

1Y CAGR (ann.) -4.4%

5Y CAGR (ann.) 1.0%

All-Time CAGR 9.4%

Valuation

PE Ratio 13.75

Forward PE 12.80

PEG Ratio 0.72

Forward PEG 4.74

PS Ratio 3.50

Forward PS 4.90

PB Ratio 1.93

P/FCF Ratio 14.01

P/Adj. FCF Ratio 15.25

P/OCF Ratio 11.66

EV/Sales 3.50

EV/EBIT 11.01

EV/EBITDA 10.66

EV/FCF 14.03

Earnings Yield 7.3%

FCF Yield 7.1%

Adj. FCF Yield 6.6%

Financial Health

Net Debt $2.24M

Total Debt $70M

Cash & Short-Term Investments $67.76M

Total Assets $7.24B

Current Ratio 1.39

Quick Ratio 1.39

Debt / Equity Ratio 0.09

Debt / EBITDA 0.50

Debt / FCF 0.66

OCF / Debt 1.72

Interest Coverage 0.92

Altman Z-Score 0.42

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 64.1%

Operating Profit Margin 31.8%

EBITDA Margin 32.8%

Net Profit Margin 26.0%

FCF Margin 24.9%

Adj. FCF Margin 22.9%

SBC / Revenue 2.4%

SBC Impact (per share) -8.2%

Returns

Return on Assets 1.5%

Return on Equity 14.7%

Return on Invested Capital 1.5%

Return on Capital Employed 1.9%

Return on Tangible Assets 1.5%

Historical Growth (CAGR)

Revenue CAGR 3Y 6.5%

Revenue CAGR 5Y 13.4%

Revenue CAGR 10Y 10.8%

EPS CAGR 3Y 6.3%

EPS CAGR 5Y 3.3%

EPS CAGR 10Y 8.4%

FCF CAGR 3Y -9.4%

FCF CAGR 5Y 4.4%

FCF CAGR 10Y 8.5%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 10

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 25, 2026

EPS Estimate (next Q) $1.09

EPS Growth Est (next Q) 5.8%

Revenue Est (next Q) $73.76M

Revenue Growth Est (next Q) 6.9%

Fair Value Estimates

Graham Number $54.89

Graham Upside -8.4%

Lynch Fair Value $21.80

Lynch Upside -63.6%

Price Target $68.67

Price Target Upside 14.6%

Cash Flow

Operating Cash Flow $120.63M

Free Cash Flow $106.58M

Adj. Free Cash Flow $97.88M

FCF Per Share $4.46

OCF Per Share $5.14

OCF/S Ratio 30.2%

Income Statement

Revenue $427.09M

Gross Profit $273.69M

Operating Income $135.85M

EBITDA $140.27M

Net Income $111.23M

EPS (Diluted) $4.36

Revenue / Employee $614.52K

Profit / Employee $160.04K

Employees 695

Dividends

Annual Dividend $2.06

Dividend Yield 3.44%

Payout Ratio 47.3%

FCF Payout Ratio 48.6%

Adj. FCF Payout Ratio 52.9%

Dividend Growth (YoY) 4.0%

Pay Frequency Quarterly

Ex-Dividend Date Jul 23, 2026