LAKELAND FINANCIAL CORP
LAKELAND FINANCIAL CORP
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 70 | 66 | 57 | 67 | 97 | 89 | 72 | 87 | 61 | 56 | 70 | 68 | |||||
Interest Bearing Deposits In Banks | 124 | 86 | 84 | 125 | 213 | 146 | 96 | 73 | 60 | 92 | 81 | 79 | |||||
Cash And Cash Equivalents At Carrying Value | 194 | 151 | 141 | 193 | 310 | 235 | 168 | 160 | 121 | 148 | 152 | 146 | |||||
Debt Securities Available For Sale Excluding Accru… | 1,035 | 1,027 | 1,052 | 1,032 | 997 | 1,001 | 991 | 1,017 | 993 | 1,014 | 1,052 | 976 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 134 | 134 | 133 | 133 | 132 | 132 | 132 | 131 | 131 | 130 | 130 | 129 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 4 | 1 | 3 | 1 | 2 | 1 | 2 | 3 | 0 | 2 | 1 | 1 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 5,404 | 5,306 | 5,180 | 5,160 | 5,131 | 5,032 | 4,998 | 4,972 | 4,924 | 4,845 | 4,799 | |||||
Property Plant And Equipment Net | 73 | 69 | 66 | 65 | 61 | 61 | 60 | 60 | 59 | 58 | 58 | 59 | |||||
Bank Owned Life Insurance | 132 | 131 | 130 | 129 | 127 | 114 | 113 | 112 | 111 | 110 | 109 | 109 | |||||
Federal Home Loan Bank Stock And Federal Reserve B… | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | |||||
Interest Receivable | 30 | 30 | 29 | 29 | 29 | 29 | 28 | 28 | 31 | 31 | 30 | 29 | |||||
Goodwill | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Other Assets | 106 | 111 | 103 | 108 | 119 | 121 | 125 | 109 | 125 | 123 | 121 | 153 | |||||
Assets | 7,243 | 7,084 | 6,990 | 6,895 | 6,964 | 6,851 | 6,678 | 6,645 | 6,569 | 6,567 | 6,524 | 6,427 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 1,292 | 1,302 | 1,221 | 1,268 | 1,262 | 1,297 | 1,297 | 1,285 | 1,213 | 1,254 | 1,353 | 1,378 | |||||
Interest Bearing Deposit Liabilities | 5,038 | 4,889 | 4,752 | 4,756 | 4,915 | 4,663 | 4,604 | 4,553 | 4,551 | 4,364 | 4,367 | 4,279 | |||||
Deposits | 6,330 | 6,190 | 5,973 | 6,024 | 6,177 | 5,960 | 5,901 | 5,837 | 5,764 | 5,618 | 5,721 | 5,657 | |||||
Secured Debt | - | - | - | - | - | - | - | - | - | 200 | 50 | 90 | |||||
Advances From Federal Hom… | |||||||||||||||||
Federal Funds Purchased | - | - | - | - | - | - | - | 30 | 55 | - | - | - | |||||
Federal Home Loan Bank Advances Maturities Summary… | 70 | 50 | 170 | 55 | - | - | 0 | - | - | - | - | - | |||||
Federal Home Loan Bank Advances Long Term | 1 | 1 | 1 | 1 | - | - | 0 | 0 | 0 | - | 50 | - | |||||
Line Of Credit | - | - | - | - | - | - | - | - | - | - | 0 | 0 | |||||
Long Term Debt | - | - | - | - | - | - | - | 30 | 55 | - | 50 | 90 | |||||
Advances From Federal Home Loan Banks | - | - | - | 56 | 1 | 108 | - | - | - | - | - | - | |||||
Other Borrowings | 0 | 17 | 13 | - | 5 | - | 0 | - | - | - | - | - | |||||
Debt Longterm And Shortterm Combined Amount | 71 | 68 | 184 | - | 6 | - | 0 | - | - | - | - | - | |||||
Interest Payable Current And Noncurrent | 9 | 9 | 9 | 9 | 10 | 15 | 15 | 15 | 15 | 15 | 21 | 16 | |||||
Other Liabilities | 60 | 68 | 61 | 58 | 61 | 74 | 78 | 64 | 80 | 87 | 83 | 106 | |||||
Liabilities | 6,470 | 6,335 | 6,228 | 6,148 | 6,254 | 6,157 | 5,994 | 5,946 | 5,914 | 5,920 | 5,874 | 5,870 | |||||
Equity | |||||||||||||||||
Common Stock Value | 140 | 138 | 137 | 134 | 131 | 130 | 130 | 128 | 127 | 126 | 128 | 126 | |||||
Retained Earnings Accumulated Deficit | 817 | 802 | 788 | 771 | 758 | 744 | 736 | 725 | 714 | 703 | 693 | 675 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -124 | -136 | -127 | -141 | -161 | -164 | -167 | -138 | -170 | -167 | -155 | -228 | |||||
Treasury Stock Common Value | -59 | -55 | -36 | -18 | -17 | -16 | -16 | -16 | -15 | -15 | -16 | -15 | |||||
Stockholders Equity | 773 | 749 | 762 | 748 | 710 | 695 | 684 | 699 | 655 | 647 | 650 | 557 | |||||
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Liabilities And Stockholders Equity | 7,243 | 7,084 | 6,990 | 6,895 | 6,964 | 6,851 | 6,678 | 6,645 | 6,569 | 6,567 | 6,524 | 6,427 | |||||
Held To Maturity Securities Fair Value | 119 | 114 | 118 | 114 | 108 | 109 | 113 | 119 | 114 | 115 | 119 | 103 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 69 | 69 | 68 | 67 | 92 | 86 | 84 | 81 | 73 | 72 | 72 | |||||
Common Stock Shares Authorized | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | |||||
Common Stock No Par Value | - | - | 0 | - | - | - | 0 | - | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Issued | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | |||||
Shares Outstanding | 25 | 25 | 25 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 25 | 25 | |||||
Treasury Stock Common Shares | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.54% | 0.47% | 5.20% | - | - | - | - | - | - | - | - | - |
| 2025 | 5.34% | 4.65% | 17.10% | 12.08% | 7.70% | 2.12% | 3.68% | 4.44% | 4.47% | -6.81% | 3.34% | -2.66% |
| 2024 | 0.69% | -2.46% | 11.66% | 10.17% | 3.73% | 2.39% | 12.76% | 3.04% | 2.30% | -6.89% | -22.78% | -10.26% |
| 2023 | - | - | - | - | - | - | 13.45% | 34.35% | 30.15% | -2.21% | -8.38% | -2.06% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.41 | -0.40 | -0.43 | -0.45 | -0.45 | -0.47 | -0.43 | 0.08 | 0.60 | 1.09 | 1.75 | 1.86 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 4.41 | 4.31 | 4.01 | 3.78 | 3.67 | 3.49 | 3.63 | 3.84 | 3.92 | 3.61 | 3.65 | 3.51 | |||||
| Free Cash Flow Per Share TTM | 4.46 | 4.21 | 4.04 | 4.24 | 3.63 | 3.80 | 3.66 | 3.22 | 4.55 | 4.13 | 4.22 | 4.52 | |||||
| Dividend Per Share TTM | 2.07 | 2.04 | 2.00 | 1.98 | 1.96 | 1.94 | 1.92 | 1.90 | 1.88 | 1.86 | 1.84 | 1.78 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 60.72% | 59.93% | 59.14% | 57.76% | 55.92% | 54.25% | 52.71% | 52.22% | 52.89% | 54.33% | 57.40% | 62.64% | |||||
| Operating Profit Margin TTM | 36.08% | 35.68% | 33.60% | 31.75% | 30.58% | 29.02% | 29.93% | 31.97% | 33.08% | 31.00% | 32.14% | 32.12% | |||||
| Net Profit Margin TTM | 29.58% | 29.25% | 27.66% | 26.17% | 25.34% | 24.20% | 25.05% | 26.68% | 27.67% | 26.16% | 27.32% | 27.50% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 0.75% | 0.72% | 0.15% | 0.64% | 2.44% | 4.93% | 8.71% | 13.14% | 20.80% | 31.15% | 43.29% | 54.18% | |||||
| Net Income Growth (1Y) | 17.60% | 21.73% | 10.57% | -1.28% | -6.20% | -2.94% | -0.31% | 9.76% | 7.96% | -11.07% | -9.68% | -11.76% | |||||
| EPS Growth (1Y) | 20.65% | 23.51% | 10.53% | -1.36% | -6.30% | -3.15% | -0.59% | 9.46% | 7.67% | -11.33% | -9.95% | -12.03% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 13.79 | 13.02 | 13.82 | 16.33 | 16.02 | 16.11 | 17.81 | 15.83 | 14.57 | 16.90 | 16.29 | 12.24 | |||||
| P/B TTM | 1.98 | 1.91 | 1.87 | 2.13 | 2.13 | 2.09 | 2.43 | 2.24 | 2.24 | 2.43 | 2.35 | 1.98 | |||||
| P/S TTM | 4.08 | 3.81 | 3.82 | 4.27 | 4.06 | 3.90 | 4.46 | 4.22 | 4.03 | 4.42 | 4.45 | 3.37 | |||||
| Market Cap | 1.53B | 1.43B | 1.43B | 1.59B | 1.51B | 1.45B | 1.67B | 1.57B | 1.47B | 1.57B | 1.53B | 1.10B | |||||
| Enterprise Value | 1.34B | 1.28B | 1.29B | 1.40B | 1.20B | 1.22B | 1.50B | 1.44B | 1.40B | 1.42B | 1.43B | 1.05B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 111.66M | 106.58M | 103.77M | 108.95M | 93.21M | 97.74M | 93.85M | 82.68M | 116.74M | 105.96M | 107.99M | 115.82M | |||||
| Net Debt | -194.13M | -151.32M | -141.32M | -192.84M | -310.18M | -235.22M | -168.21M | -130.19M | -66.18M | -147.69M | -101.82M | -56.28M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
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| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
LAKELAND FINANCIAL CORP (LKFN) — SEC Financial Statements & Analysis
LAKELAND FINANCIAL CORP (LKFN) is a state commercial banks company, incorporated in IN. LAKELAND FINANCIAL CORP trades on Nasdaq as: LKFN. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), LAKELAND FINANCIAL CORP reported a 0.75% year-over-year revenue growth, a Gross Profit Margin of 60.72% (TTM), a Price-to-Sales (P/S) ratio of 4.08x (TTM), a Price-to-Book (P/B) ratio of 1.98x (TTM), at a market cap of $1.53B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 0.75%
- Gross Profit Margin TTM
- 60.72%
- P/S TTM
- 4.08x
- P/B TTM
- 1.98x
- Market Cap
- $1.53B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is LAKELAND FINANCIAL CORP in?
LAKELAND FINANCIAL CORP (LKFN) operates in the State Commercial Banks industry.
What is LKFN's market cap?
LAKELAND FINANCIAL CORP (LKFN) has a market capitalization of $1.53B as of 2026-06-30.
What is LKFN's P/E ratio?
LAKELAND FINANCIAL CORP (LKFN)'s trailing twelve month P/E ratio is 13.79x as of 2026-06-30.
What exchange does LKFN trade on?
LAKELAND FINANCIAL CORP (LKFN) trades on the Nasdaq.
Where is LAKELAND FINANCIAL CORP incorporated?
LAKELAND FINANCIAL CORP is incorporated in IN.