Want to see LKFN full AI Analyst Report?
LKFN Stock Chart & Stats
$59.47
$2.24(3.67%)
At close: 4:00 PM EDT
$59.47
$2.24(3.67%)
Day’s Range― - ―
52-Week Range$54.36 - $64.55
Previous Close$63.35
Volume197.72K
Average Volume (3M)223.10K
Market Cap
$1.46B
Enterprise Value$1.57B
Total Cash (Recent Filing)$67.76M
Total Debt (Recent Filing)$70.00M
Price to Earnings (P/E)13.2
Beta0.67
Next Earnings
Oct 28, 2026EPS Estimate
1.09Next Dividend Ex-DateN/A
Dividend Yield3.55%
Share Statistics
EPS (TTM)4.38
Shares Outstanding24,857,840
10 Day Avg. Volume248,549
30 Day Avg. Volume223,098
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 Cap1.07
Enterprise Value/Revenue3.67
Enterprise Value/Gross Profit5.72
Enterprise Value/Ebitda11.05
Forecast
1Y Price Target
$67.00Price Target Upside12.66% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)4.38
Revenue Forecast (FY)$290.84M
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Cash ConversionHigh margins combined with operating cash flow that exceeds net income indicate strong earnings quality and effective cash conversion. This gives Lakeland Financial capacity to support lending, absorb operating needs, maintain capital strength, and fund shareholder returns over the next several quarters.
Conservative Balance-sheet LeverageLow current leverage and a larger equity base provide meaningful balance-sheet capacity for a regional bank. This supports resilience through credit or funding stress, reduces dependence on borrowed capital, and gives management flexibility to pursue growth while preserving financial stability.
Long-term Organic Growth PlatformA multi-decade record of organic loan and deposit growth demonstrates durable customer relationships and an established franchise in its core markets. Continued expansion of deposits and loans can support recurring net interest income and deepen the bank’s commercial and consumer relationships.
Bears Say
Uneven Revenue GrowthThe sharp variation in annual revenue growth makes the earnings trajectory less predictable than the latest rebound alone suggests. Uneven top-line performance can complicate planning, create volatility in operating leverage, and reduce confidence that recent profitability growth will persist consistently.
Growing CRE And Mortgage ConcentrationGreater exposure to commercial real estate, multifamily, and mortgage lending increases sensitivity to credit conditions, property performance, and interest-rate movements. If these concentrations continue rising, they could make asset quality and earnings more dependent on a narrower set of lending markets.
Historically Variable LeverageAlthough current leverage is conservative, the wide historical range indicates that capital structure has changed materially across cycles. Such variability can alter funding costs, financial risk, and the flexibility available to support growth, making the current balance-sheet profile less representative of all periods.
Lakeland Financial News
LKFN FAQ
What was Lakeland Financial Corp.’s price range in the past 12 months?
Lakeland Financial Corp. lowest stock price was $54.36 and its highest was $64.55 in the past 12 months.
What is Lakeland Financial Corp.’s market cap?
Lakeland Financial Corp.’s market cap is $1.46B.
When is Lakeland Financial Corp.’s upcoming earnings report date?
Lakeland Financial Corp.’s upcoming earnings report date is Oct 28, 2026 which is in 5 days.
How were Lakeland Financial Corp.’s earnings last quarter?
Lakeland Financial Corp. released its earnings results on Jul 27, 2026. The company reported $1.13 earnings per share for the quarter, beating the consensus estimate of $1.075 by $0.055.
Is Lakeland Financial Corp. overvalued?
According to Wall Street analysts Lakeland Financial Corp.’s price is currently Undervalued.
Does Lakeland Financial Corp. pay dividends?
Lakeland Financial Corp. pays a Quarterly dividend of $0.52 which represents an annual dividend yield of 3.55%. See more information on Lakeland Financial Corp. dividends here
What is Lakeland Financial Corp.’s EPS estimate?
Lakeland Financial Corp.’s EPS estimate is 1.09.
How many shares outstanding does Lakeland Financial Corp. have?
Lakeland Financial Corp. has 24,857,840 shares outstanding.
What happened to Lakeland Financial Corp.’s price movement after its last earnings report?
Lakeland Financial Corp. reported an EPS of $1.13 in its last earnings report, beating expectations of $1.075. Following the earnings report the stock price went up 3.666%.
Which hedge fund is a major shareholder of Lakeland Financial Corp.?
Currently, no hedge funds are holding shares in LKFN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Lakeland Financial Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$67.00 (12.66% Upside)
$67.00 (12.66% Upside)
Blogger Sentiment
Neutral
LKFN Sentiment 100%
Sector Average 61%
Sector Average 61%
Hedge Fund Trend
Increased
By 21.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $47.3K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-2.06%
12-Months-Change
Fundamentals
Return on Equity
14.67%
Trailing 12-Months
Asset Growth
4.00%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
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.
LKFN Stock 12 Month Forecast
Average Price Target
$67.00
▲(12.66% Upside)
Technical Analysis
1St Source
―
First Financial Indiana
―
First Merchants
―
German American Bancorp
―
Horizon Bancorp
―
Ownership Overview
3.07% Insiders
29.44% Mutual Funds
0.75% Other Institutional Investors
34.74% Public Companies and
Individual Investors