Lakeland Financial Corp
LKFN Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$61.17
KIRA · Stoqly’s AI analyst, in plain words
- Lakeland Financial Corp had $269M of revenue in fiscal 2025, up 6.1% on the year before. Over five years, revenue changed +5.1% a year on average.
- Lakeland Financial Corp made $103M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.7% a year.
- Lakeland Financial Corp returned $71.8M to shareholders in fiscal 2025, 69% of free cash flow. The diluted share count rose 0.1%.
- It earned 14.3% on shareholders’ money. Running costs took 48.9% of revenue (the efficiency ratio; lower is better).
Market cap
$1.5B
P/E
14.0x
Revenue
$269M
Net income
$103M
Return on equity
14.3%
Efficiency ratio
48.9%
Lakeland Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+6.1%
Yes. Sales grew 6.1% last year.
Does it make a profit?
38.4%
Yes. It keeps 38.4% of every sale as profit.
How lean are its costs?
48.9%
Lean. Running costs take 48.9% of revenue.
How much does it earn on its capital?
14.3%
Good. It earns 14.3% a year on shareholders’ money.
How is the share priced?
14.0x
One share costs 14.0 times its yearly profit per share.
What Lakeland Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- LAKELAND FINANCIAL CORP
- CIK
- 0000721994
Lakeland Financial Corp · LKFN
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $223M | $245M | $247M | $254M | $269M |
| Revenue growth | 6.2% | 9.8% | 0.9% | 2.7% | 6.1% |
| Net interest income | $178M | $203M | $197M | $197M | $221M |
| Net income | $95.7M | $104M | $93.8M | $93.5M | $103M |
| Net margin | 43.0% | 42.4% | 38.0% | 36.9% | 38.4% |
| Diluted EPS | $3.74 | $4.04 | $3.65 | $3.63 | $4.01 |
| Cash | |||||
| Cash from operations | $114M | $169M | $114M | $102M | $115M |
| Capital expenditure | $6.2M | $4.8M | $6.0M | $8.6M | $11.1M |
| Free cash flow | $108M | $165M | $108M | $93.9M | $104M |
| FCF margin | 48.3% | 67.2% | 43.7% | 37.0% | 38.6% |
| Dividends paid | $34.6M | $40.8M | $47.1M | $49.3M | $51.4M |
| Share buybacks | $0.6M | $0.6M | $0.6M | $0.6M | $20.4M |
| Share count change | 0.2% | 0.4% | 0.0% | 0.2% | 0.1% |
| Debt and strength | |||||
| Cash and short-term investments | $683M | $130M | $152M | $168M | $141M |
| Debt incl. finance leases | $75.0M | $297M | $50.0M | — | — |
| Loans, net | $4.2B | $4.6B | $4.8B | $5.0B | $5.3B |
| Deposits | $5.7B | $5.5B | $5.7B | $5.9B | $6.0B |
| Shareholders' equity | $705M | $569M | $650M | $684M | $762M |
| Returns and quality | |||||
| Return on equity | 14.1% | 16.3% | 15.4% | 14.0% | 14.3% |
| Return on tangible equity | 13.7% | 18.4% | 14.5% | 13.8% | 13.6% |
| Efficiency ratio | 46.8% | 45.0% | 52.9% | 49.3% | 48.9% |
| Piotroski F-score | — | 5 | 4 | — | — |
Insiders bought, 12 months
$1.4M
1 insider
Insiders sold, 12 months
$1.4M
9 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Lakeland Financial Corp · LKFN
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $61.17 a share, the company is worth $1.5B: 14.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000721994). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.