Lakeland Financial/$LKFN

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About Lakeland Financial

Lakeland Financial Corp is a bank holding company. It provides commercial, retail, wealth advisory, and investment management services. It offers a broad line of products and services throughout its Northern and Central Indiana markets. The company provides commercial and consumer banking services, as well as trust and wealth management, brokerage, and treasury management commercial services. It serves a wide variety of industries including, among others, commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare.

Ticker

$LKFN
Sector
Primary listing

Employees

649

LKFN Metrics

BasicAdvanced
$1.7B
17.72
$3.67
0.63
$1.98
3.08%

What the Analysts think about LKFN

Analyst ratings (Buy, Hold, Sell) for Lakeland Financial stock.

Bulls say / Bears say

Lakeland Financial posted record Q2 net income of $27.0 million, up 20% year-over-year, with diluted EPS increasing to $1.04, fueled by a 14% rise in net interest income from robust margin expansion (Nasdaq)
Core deposits climbed 8% year-over-year to $6.03 billion, bolstering the company's main funding source and cutting reliance on brokered deposits (Nasdaq)
Asset quality improved significantly in Q2 2025 as nonaccrual loans fell 46% to $30.6 million and watch list loans declined to 3.67% of total loans from 5.31%, demonstrating strong credit risk management (SEC)
Unrealized losses on available-for-sale securities remain elevated at $185.3 million as of June 30, 2025, only slightly improving from $194.9 million a year ago, exposing Lakeland to further mark-to-market swings if interest rates rise (SEC)
Sequential growth in net interest income was limited, increasing just 4% quarter-over-quarter in Q2 2025, while net interest margin grew only 2 basis points to 3.42%, suggesting limited room for margin expansion as funding costs increase (SEC)
Net income for Q1 2025 declined 14% year-over-year to $20.1 million, and EPS dropped to $0.78, pointing to earnings volatility from changes in noninterest income and higher credit provisions (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 31 Aug 2025.

LKFN Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

LKFN Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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