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LAKELAND FINANCIAL CORP

LKFNNASDAQ
πŸ† #1826 by market capEarnings Oct 26US Equity
$742.68β–Ό $21.09 (βˆ’2.84%)
Simulated price
1hβ€”
24hβ–Ό 2.8%
7dβ–² 1080.4%
14dβ–² 1074.2%
30dβ–² 1122.5%
1yβ–² 1089.8%
🏦Market Cap
$1.52B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+54.2%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
40.0%
Strong
βš–οΈP/S Ratio
5.7x
Fair
Otter Score
49
Weak

Trading Snapshot

Day Range
$738.02 – $747.63
52-Week Range
$54.36 – $69.40
Volume
$2.73B
Avg Volume
$2.21B
Shares Outstanding
24.9M
Next Earnings
Oct 22, 2026

Fundamentals Snapshot

Annual Revenue
$422M
Last Q Revenue
$108M
P/E Ratio
13.6
P/S Ratio
5.7x
EPS (TTM)
$4.35
Dividend Yield
3.43%

Why Investors Own LKFN

  • βœ“High-growth profile β€” revenue up +28.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 43% gross margin and 18% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$422Mβ–² +28.5% YoY
Gross Margin (TTM)
42.9%β–² +3.8% YoY
Operating Income (TTM)
$114Mβ–² +28.5% YoY
Free Cash Flow (TTM)
$75Mβ–² +28.5% YoY

About LAKELAND FINANCIAL CORP

Lakeland Financial Corporation serves as the parent organization for Lake City Bank, offering a broad spectrum of banking and financial solutions. The company manages various deposit accounts, including non-interest-bearing and interest-bearing checking, savings, money market, NOW, and demand deposits. Its lending portfolio is diverse, providing commercial and industrial loans, financing for commercial real estate and multi-family residences, agri-business and agricultural loans, and a variety of consumer loans, such as 1-4 family mortgages. Beyond traditional banking, Lakeland Financial offers retail and merchant credit card services, advanced corporate treasury management, wealth advisory, and trust administration. It also facilitates retail brokerage, featuring investment vehicles like annuities and life insurance, and supports clients with mobile business banking and online treasury management platforms. The firm caters to a wide range of sectors, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, hospitality, and healthcare industries. Established in 1872, Lakeland Financial Corporation is headquartered in Warsaw, Indiana. As of December 31, 2021, it operated an extensive network of 51 branches across fifteen counties, with 45 located in northern Indiana and six in central Indiana.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
49/100

Analyst Price Target

β“˜
Average Target
$757.29
β–² +2.0% Upside
High Target$871.82
Low Target$673.98
Based on 14 analysts

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