Lake City Bank Partners with Spiral to Enhance Financial Wellness Solutions
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 16 2025
0mins
Source: Businesswire
- Partnership for Financial Wellness: Lake City Bank's collaboration with Spiral introduces the SpendSave solution, integrating Spiral's Roundup Center to enable customers to automatically save spare change from debit card purchases, which is expected to significantly enhance customer savings and community impact.
- Digital Transformation: This solution not only supports customers' savings goals but also allows them to donate spare change to local and national nonprofits, promoting community development and potentially increasing customer loyalty and the bank's competitive edge.
- Community Support: Customers can choose to allocate their roundups entirely to savings or split them between charitable giving, particularly in areas like affordable housing and financial education, which is expected to enhance the bank's reputation and influence within the community.
- Integration Advantage: Spiral's solutions seamlessly integrate with leading digital banking providers and core systems, which is anticipated to help Lake City Bank increase deposits and customer retention, driving long-term business growth.
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Analyst Views on LKFN
Wall Street analysts forecast LKFN stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LKFN is 67.00 USD with a low forecast of 66.00 USD and a high forecast of 68.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 59.250
Low
66.00
Averages
67.00
High
68.00
Current: 59.250
Low
66.00
Averages
67.00
High
68.00
About LKFN
Lakeland Financial Corporation is a bank holding company, which provides, through its subsidiary Lake City Bank (the Bank), a range of financial products and services throughout its Northern and Central Indiana markets. It offers commercial and consumer banking services, and trust and wealth management, brokerage, and treasury management commercial services. It serves a diverse customer base, including commercial customers across a wide variety of industries, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare. The Bank serves Central and Northern Indiana communities with 54 branch offices in 15 counties and a robust digital banking platform. The Bank’s deposits are insured by the Federal Deposit Insurance Corporation (the FDIC) to the maximum extent provided under federal law and FDIC regulations. It also provides credit card services to retail and commercial customers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Lakeland Financial Q4 Earnings Exceed Expectations
- Earnings Beat: Lakeland Financial reported a Q4 GAAP EPS of $1.16, exceeding expectations by $0.10, which underscores the company's robust profitability and boosts investor confidence.
- Significant Revenue Growth: The company achieved revenues of $69.8 million, a 9.8% year-over-year increase, surpassing market expectations by $0.25 million, indicating sustained strong demand and business expansion.
- Improved Return Metrics: Return on average equity improved to 15.59% from 13.87% year-over-year, reflecting effective capital management and enhanced profitability.
- Loan Growth and Margin Improvement: Average loans increased by $185.1 million, or 4%, to $5.27 billion, while net interest margin improved by 23 basis points to 3.48%, demonstrating the company's competitive edge in the lending market and enhanced profitability.
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Lakeland Financial Reports Record Quarterly Net Income of $29.9 Million
- Quarterly Net Income Growth: Lakeland Financial achieved a record net income of $29.9 million in Q4 2025, representing a $5.7 million increase or 24% compared to Q4 2024, showcasing the company's strong profitability and market competitiveness.
- Earnings Per Share Increase: Diluted earnings per share rose to $1.16, up $0.22 or 23% from Q4 2024, reflecting the company's commitment to enhancing shareholder returns.
- Robust Annual Performance: The company reported an annual net income of $103.4 million for 2025, an 11% increase from $93.5 million in 2024, indicating sustained profitability and stable financial performance.
- Improved Capital Ratios: As of December 31, 2025, the common equity tier 1 capital ratio improved to 14.77%, up from 14.64% in 2024, demonstrating the company's strength in capital management and risk control.
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