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Lakeland Financial
(NASDAQ:LKFN)
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Rating:78Outperform
Price Target:
$73.00
▲(19.46% Upside)
Action:Reiterated
Date:08/05/26
LKFN scores well primarily on financial performance, driven by strong profitability, improving margins, and solid cash generation, with supportive (but not risk-free) balance-sheet positioning. Technicals add a positive tailwind as the stock trades above key moving averages with constructive momentum. Valuation is reasonable with a solid dividend yield, while corporate updates reinforce strong capital and ongoing dividend commitment; the main offsetting risks are uneven revenue growth and increased loan concentration toward CRE/mortgages.
Positive Factors
High Profitability & Margins
Sustained high margins and above-average ROE indicate durable earnings power from core lending and fee businesses. These structural profitability metrics support reinvestment, consistent earnings generation, and the ability to absorb shocks without immediate capital raises, bolstering long-term resilience.
Negative Factors
CRE / Mortgage Concentration
A growing share of CRE, multifamily and mortgage exposure increases the loan book's sensitivity to property cycles and regional economic weakness. This structural concentration raises the probability of correlated credit losses and could require higher provisions or capital if local real estate softens over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability & Margins
Sustained high margins and above-average ROE indicate durable earnings power from core lending and fee businesses. These structural profitability metrics support reinvestment, consistent earnings generation, and the ability to absorb shocks without immediate capital raises, bolstering long-term resilience.
Read all positive factors
Lakeland Financial Key Performance Indicators (KPIs)
Any
Loan Portfolio Breakdown
Analyzes the composition of loans, providing insight into risk exposure, sector focus, and potential growth areas within the bank's lending activities.
Analyzes the composition of loans, providing insight into risk exposure, sector focus, and potential growth areas within the bank's lending activities.
Data provided by:
The Fly
The FlyLakeland Financial (LKFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.54B
Dividend Yield3.35%
Average Volume (3M)159.26K
Price to Earnings (P/E)14.0
Beta (1Y)0.72
Revenue Growth1.83%
EPS Growth18.85%
CountryUS
Employees695
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.38
Shares Outstanding24,857,840
10 Day Avg. Volume222,204
30 Day Avg. Volume159,261
Financial Highlights & Ratios
PEG Ratio1.36
Price to Book (P/B)1.92
Price to Sales (P/S)3.47
P/FCF Ratio14.09
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$67.00Price Target Upside9.64% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)4.38
Revenue Forecast (FY)$290.78M
Lakeland Financial Business Overview & Revenue Model
Company Description
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 ch...
How the Company Makes Money
Lakeland Financial primarily makes money through traditional banking income streams generated by its subsidiary bank, Lake City Bank. Its key earnings drivers include: (1) Net interest income: the spread between interest earned on interest-earning...
Lakeland Financial Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
78
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 427.09M | 421.71M | 430.00M | 393.13M | 281.43M | 237.94M |
| Gross Profit | 273.69M | 257.19M | 236.77M | 241.04M | 235.37M | 221.73M |
| EBITDA | 140.27M | 130.37M | 117.64M | 116.51M | 131.94M | 125.83M |
| Net Income | 111.23M | 103.36M | 93.48M | 93.77M | 103.82M | 95.73M |
Balance Sheet | ||||||
| Total Assets | 7.24B | 6.99B | 6.68B | 6.52B | 6.43B | 6.56B |
| Cash, Cash Equivalents and Short-Term Investments | 67.76M | 141.32M | 591.05M | 1.20B | 1.32B | 2.08B |
| Total Debt | 70.00M | 184.20M | 0.00 | 50.00M | 297.00M | 75.00M |
| Total Liabilities | 6.47B | 6.23B | 5.99B | 5.87B | 5.86B | 5.85B |
| Stockholders Equity | 773.28M | 762.40M | 683.82M | 649.70M | 568.80M | 704.82M |
Cash Flow | ||||||
| Free Cash Flow | 111.66M | 103.77M | 93.85M | 107.99M | 164.52M | 107.60M |
| Operating Cash Flow | 128.83M | 114.89M | 102.48M | 113.98M | 169.34M | 113.77M |
| Investing Cash Flow | -367.43M | -325.42M | -164.24M | -54.93M | -626.52M | -331.55M |
| Financing Cash Flow | 122.54M | 183.65M | 78.13M | -37.51M | -95.78M | 651.09M |
Lakeland Financial Technical Analysis
Neutral
61.11
Price Trends
61.34
Positive
60.20
Positive
58.77
Positive
Market Momentum
0.18
Positive
47.39
Neutral
43.34
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LKFN, the sentiment is Neutral. The current price of 61.11 is below the 20-day moving average (MA) of 62.26, below the 50-day MA of 61.34, and above the 200-day MA of 58.77, indicating a neutral trend. The MACD of 0.18 indicates Positive momentum. The RSI at 47.39 is Neutral, neither overbought nor oversold. The STOCH value of 43.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for LKFN.
Lakeland Financial Risk Analysis
Lakeland Financial disclosed 31 risk factors in its most recent earnings report. Lakeland Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Lakeland Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.54B | 14.03 | 14.67% | 3.37% | 1.83% | 18.85% | |
74 Outperform | $2.00B | 15.03 | 10.91% | 0.29% | 7.11% | 132.73% | |
70 Outperform | $1.77B | 10.65 | 20.58% | 0.23% | 1.95% | 6.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $3.15B | 44.84 | 4.98% | ― | 13.23% | 850.00% | |
56 Neutral | $748.11M | -195.76 | -0.80% | ― | 7.30% | -106.97% |
* Financial Sector Average
LKFN
Lakeland Financial
60.07
-1.77
-2.87%
CASH
Pathward Financial
83.71
8.15
10.79%
LOB
Live Oak Bancshares
40.89
6.03
17.29%
CCB
Coastal Financial
49.54
-54.25
-52.27%
CLBK
Columbia Financial
11.82
5.17
77.82%
Lakeland Financial Corporate Events
Business Operations and StrategyFinancial Disclosures
Lakeland Financial Highlights Profitable Growth and Strong Capital
Positive
Jul 27, 2026
In its second-quarter 2026 investor presentation, Lakeland Financial highlighted a long record of profitability, including more than 10 years of continuous earnings and a 20-year compounded growth rate in tangible book value per share above 8 perc...
Dividends
Lakeland Financial Declares Quarterly Cash Dividend Payment
Positive
Jul 15, 2026
On July 14, 2026, Lakeland Financial Corporation’s board declared a quarterly cash dividend of $0.52 per share on its common stock. The dividend is scheduled to be paid on August 5, 2026, to shareholders of record as of July 25, 2026, unders...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.