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LKFN Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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High
57.970
Open
57.480
VWAP
57.28
Vol
31.36K
Mkt Cap
1.49B
Low
56.900
Amount
1.80M
EV/EBITDA(TTM)
12.31
Total Shares
26.06M
EV
1.62B
EV/OCF(TTM)
8.65
P/S(TTM)
5.92
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.
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Events Timeline

(ET)
2026-01-26
16:30:00
Major Averages Close Broadly Higher as Investors Brace for Earnings Reports
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2026-01-26
12:11:00
Major Averages Rebound, Nasdaq Up 0.67%
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2026-01-26
07:10:00
Lake City Bank Reports Double-Digit Net Income Growth in Q4
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2026-01-13 (ET)
2026-01-13
14:40:00
Lakeland Financial Announces Q1 2026 Cash Dividend of 52 Cents Per Share
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2025-10-27 (ET)
2025-10-27
07:04:49
Lakeland Financial Reports Q3 Earnings Per Share of $1.03, Below Consensus Estimate of $1.04
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News

Fool
5.0
03-24Fool
Lakeland Financial Director Increases Stock Holdings
  • Stock Purchase Activity: M. Scott Welch, Director of Lakeland Financial Corporation, executed three open-market purchases totaling 25,000 shares between February 27 and March 12, 2026, amounting to $1.419 million, indicating his confidence in the company's future prospects.
  • Indirect Ownership Structure: All transactions were conducted through indirect ownership channels, with the first two via a partnership entity (By LLP) and the third through a spousal account, suggesting Welch's strategic approach to increasing his holdings.
  • Significant Ownership Changes: Following these transactions, the LLP-held shares increased from 39,000 to 54,000, while the spousal account reached 212,006 shares post-March 12, reflecting a sustained bullish outlook on the stock.
  • Market Context Analysis: Despite facing challenges from rising interest rates impacting loan demand and deposit costs, Welch's purchases suggest he perceives the current stock price as attractive, potentially signaling a rebound in the company's value in the future.
NASDAQ.COM
5.0
03-24NASDAQ.COM
Welch Increases Stake in Lakeland Financial
  • Share Acquisition Details: Welch acquired 10,000 shares on February 27, 2026, at $57.95 per share, totaling approximately $579,500, and subsequently purchased an additional 5,000 shares on March 9 at $55.45 per share, raising his indirect holdings to 54,000 shares, indicating confidence in the company's future.
  • Total Investment Amount: Between February 27 and March 12, 2026, Welch executed three transactions, adding 25,000 shares for a combined investment of about $1.42 million, reflecting his long-term bullish outlook on Lakeland Financial despite a 12% decline in the stock over the past year.
  • Market Reaction Analysis: Welch's purchases occurred while the stock fluctuated between $55 and $58, suggesting he sees value at current levels, which may attract attention from other investors, especially given the regional banking sector's challenges from rising interest rates and credit quality uncertainties.
  • Investor Focus: Although Lakeland Financial was not listed among the top picks by The Motley Fool Stock Advisor, Welch's ongoing purchases are noteworthy for investors, as insider buying is often viewed as a positive signal regarding the company's future performance.
NASDAQ.COM
5.0
03-02NASDAQ.COM
Ryman and Lakeland Executives Increase Stock Holdings
  • RHP Stock Purchase: Colin V. Reed, Executive Chairman of Ryman Hospitality Properties, purchased 7,800 shares at $100.67 each on Friday, totaling $785,226, indicating strong confidence in the company's future prospects.
  • Market Reaction: Despite Reed's purchase price being higher than Monday's trading low of $97.41, which is 3.2% below his purchase price, RHP's stock still rose about 0.3% on Monday, reflecting market recognition of its fundamentals.
  • Welch's LKFN Purchase: M. Scott Welch, Director of Lakeland Financial, bought 10,000 shares at $57.95 each on Friday, totaling $579,500, demonstrating his optimism about the company's outlook.
  • Historical Buying Activity: Prior to this latest purchase, Welch had invested a total of $920,374 in LKFN over the past year, with an average price of $61.36 per share, indicating his sustained belief in the company's long-term value.
Yahoo Finance
5.0
02-27Yahoo Finance
Director M Scott Welch Purchases 10,000 Shares in Lakeland Fin
  • Executive Purchase: M Scott Welch, a director at Lakeland Fin, executed a purchase of 10,000 shares on February 27, 2026, indicating his confidence in the company's future, which may enhance investor trust.
  • Market Reaction: Such executive purchases are typically viewed as positive signals, potentially leading to a short-term positive impact on Lakeland Fin's stock price and attracting more investor interest.
  • Investor Confidence: The purchase behavior of executives often reflects an optimistic outlook on the company's financial health, which could elevate the overall market perception of Lakeland Fin.
  • Strategic Implications: By increasing his stake, Welch not only demonstrates confidence in the company's growth prospects but may also play a more active role in corporate governance, thereby driving the achievement of the company's strategic objectives.
seekingalpha
9.5
01-26seekingalpha
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.
Newsfilter
9.5
01-26Newsfilter
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.
Wall Street analysts forecast LKFN stock price to rise
3 Analyst Rating
Wall Street analysts forecast LKFN stock price to rise
0 Buy
3 Hold
0 Sell
Hold
Current: 0.000
sliders
Low
66.00
Averages
66.50
High
67.00
Current: 0.000
sliders
Low
66.00
Averages
66.50
High
67.00
Keefe Bruyette
Market Perform
maintain
$66 -> $67
AI Analysis
2026-01-27
Reason
Keefe Bruyette
Price Target
$66 -> $67
AI Analysis
2026-01-27
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on Lakeland Financial to $67 from $66 and keeps a Market Perform rating on the shares. A better outlook for net interest margin boosts the firm's net interest income expectations, the analyst tells investors in a research note.
Stephens
Stephens
Equal Weight
maintain
$64 -> $66
2026-01-27
Reason
Stephens
Stephens
Price Target
$64 -> $66
2026-01-27
maintain
Equal Weight
Reason
Stephens raised the firm's price target on Lakeland Financial to $66 from $64 and keeps an Equal Weight rating on the shares. Lakeland's Q4 earnings were 9.4% above consensus due to more favorable revenue trends, no loan loss provision recorded, and a lower rate, the analyst tells investors. The benefits of a healthy Indiana economy and ongoing investments translating into accelerating loan growth, combined with net interest margin expansion, should drive 7.5% growth in net interest income in 2026, the analyst forecasts.
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Valuation Metrics

The current forward P/E ratio for Lakeland Financial Corp (LKFN.O) is 13.52, compared to its 5-year average forward P/E of 17.42. For a more detailed relative valuation and DCF analysis to assess Lakeland Financial Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
17.42
Current PE
13.52
Overvalued PE
19.47
Undervalued PE
15.37

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
6.68
Current PS
5.13
Overvalued PS
7.64
Undervalued PS
5.73

Financials

AI Analysis
Annual
Quarterly

Whales Holding LKFN

N
NFJ Investment Group, LLC
Holding
LKFN
+1.87%
3M Return
T
Timucuan Asset Management Inc
Holding
LKFN
-9.76%
3M Return

Trading Trends

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Frequently Asked Questions

What is Lakeland Financial Corp (LKFN) stock price today?

The current price of LKFN is 56.97 USD — it has decreased -0.54

What is Lakeland Financial Corp (LKFN)'s business?

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.

What is the price predicton of LKFN Stock?

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 is66.50 USD with a low forecast of 66.00 USD and a high forecast of 67.00 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.

What is Lakeland Financial Corp (LKFN)'s revenue for the last quarter?

Lakeland Financial Corp revenue for the last quarter amounts to 65.05M USD, increased 10.14

What is Lakeland Financial Corp (LKFN)'s earnings per share (EPS) for the last quarter?

Lakeland Financial Corp. EPS for the last quarter amounts to 1.16 USD, increased 23.40

How many employees does Lakeland Financial Corp (LKFN). have?

Lakeland Financial Corp (LKFN) has 655 emplpoyees as of March 25 2026.

What is Lakeland Financial Corp (LKFN) market cap?

Today LKFN has the market capitalization of 1.49B USD.