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  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. LAKELAND FINANCIAL CORP.
Lakeland Financial Corp.
XNAS: LKFN
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XNAS 13 Oct, 2026 5:30 PM (EDT)

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Lakeland Fin Corp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Lakeland Fin Corp share price target, revenues, EPS, net income and more

Lakeland Fin Corp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Lakeland Fin Corp Jun-2026 Quarterly Revenue is $71 Million which is growth of 6.8% YoY.

  • POSITIVE

    Quarterly Net Profit Lakeland Fin Corp Jun-2026 Quarterly Net Profit is $28 Million which is growth of 5.5% YoY.

Lakeland Financial Corp., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
70.969.769.86966.463.863.661.268.76065.859.260
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------16.616.912.2
Operating Profit
----------
⌄
-------------
Profit Before Tax
34.732.636.432.132.924.229.227.726.927.836.129.716.5
Tax
6.36.16.45.764.254.44.44.46.44.51.9
⌄
28.426.529.926.42720.124.223.322.623.429.625.314.6
Diluted NI Avail to Com Stockholders Ann.
28.426.529.926.42720.124.223.322.623.429.625.314.6
Basic EPS
1.111.211.10.80.90.90.90.91.210.6
Diluted EPS After ExtraOrdinary
1.111.2110.80.90.90.70.9111.1
Number Of Shares End
25.125.325.625.725.725.725.725.725.725.725.625.625.6
Net Income Continuing Discontinued Operations
28.426.529.926.42720.124.223.322.623.429.625.314.6
Normalized Income
30.128.43229.42720.124.223.419.222.725.225.326.8
Interest Income
95.2929494.994.490.593.49593.79190.988.684.5
Interest
36.935.236.838.839.537.641.745.745.443.642.340.236
Net Interest Income
58.356.857.256.154.952.951.749.348.347.448.648.448.5
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
1.61.61.21.61.61.61.11.61.61.61.21.71.7
Profit From Continuing Operations
28.426.529.926.42720.124.223.322.623.429.625.314.6
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Lakeland Fin Corp competitor comparison and performance snapshot within industry

Lakeland Fin Corp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Lakeland Fin Corp Dec-2025 Annual Revenue is $269 Million which is growth of 6.1% YoY.

  • POSITIVE

    Annual Net Profit Lakeland Fin Corp Dec-2025 Annual Net Profit is $103 Million which is growth of 10.6% YoY.

Lakeland Financial Corp., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3.2%
6.3%
 269253.5246.9244.8210.1198189.6181.7163.7143.2129.8
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---146.2-36.7-15.1-30.1-60.2-47.7-29.8-20.5-16.6
Operating Profit Ann.
-
-
 --393.1281.4225.3228.1249.8229.4193.5163.7146.4
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
0.1%
3.9%
135.7125.6111.7110.3125.2117.4103.9107.498.989.677.269.2
Tax Ann.
1.2%
2.6%
24.422.218.216.621.421.719.520.318.532.325.122.8
⌄
-0.1%
4.2%
111.2103.493.593.8103.895.784.387.180.457.352.146.4
Diluted NI Avail to Com Stockholders Ann.
-0.1%
4.2%
111.2103.493.593.8103.895.784.387.180.457.352.146.4
EPS Ann.
-0.8%
3.9%
 43.63.74.13.83.33.43.22.32.11.9
Diluted EPS Ann.
0%
3.9%
 43.63.743.73.33.43.12.22.11.8
Number Of Shares End
0.1%
0.2%
 25.625.725.625.525.525.425.625.325.225.125
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
-0.1%
4.2%
111.2103.493.593.8103.895.784.387.180.457.352.146.4
Normalized Income Ann.
0.1%
5.2%
119.8110.589.4101.6110.3101.685.990.48561.55548.1
Interest Income Ann.
16%
14.1%
376373.7373.2343.3239.6193.2193.1215.2199165.7139122.5
Interest Ann.
60.8%
38.4%
147.7152.7176.5146.236.715.130.160.247.729.820.516.6
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-4.1%
-2.5%
6666.26.88.46.86.56.25.74.84.3
Profit From Continuing Operations Ann.
-0.1%
4.2%
111.2103.493.593.8103.895.784.387.180.457.352.146.4
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
6.1%
2Y CAGR
4.4%
3Y CAGR
3.2%
5Y CAGR
6.3%
7Y CAGR
5.8%
10Y CAGR
7.6%
Total Revenue Annual growth is stable compared to historical averages.
Net Profit Ann.
1Y CHG
10.6%
2Y CAGR
5%
3Y CAGR
-0.1%
5Y CAGR
4.2%
7Y CAGR
3.7%
10Y CAGR
8.3%
Net Profit Annual growth is higher than historical averages.

Lakeland Fin Corp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Lakeland Fin Corp Dec-2025 Total Shareholders Fund is $762 Million which is growth of 11.5% YoY.

  • POSITIVE

    Total Assets Lakeland Fin Corp Dec-2025 Total Assets is $6,990 Million which is growth of 4.7% YoY.

Lakeland Financial Corp., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
2.8%
3.7%
6,9906,678.46,5246,432.46,557.35,830.44,946.74,875.34,6834,2903,766.3
⌄
2%
3.8%
6,227.55,994.55,874.25,863.55,852.45,173.34,348.74,353.64,214.33,8633,373.4
⌄
10.3%
3%
762.4683.8649.7568.8704.8657.1598521.6468.6427392.8
Total Capitalization Ann.
-2.7%
0.9%
776.6-699.7843.8779.8742.6768552.5579.5457.9423.8
Tangible Assets Ann.
10.3%
3%
757.4678.9644.7563.8699.9652.1593516.6463.6422387.8
Working Capital Ann.
-
-
--
Invested Capital Ann.
3.9%
5%
946.6-699.7843.8779.8742.6768722.5579.5637.9493.8
Tangible Book Value Ann.
10.3%
3%
757.4678.9644.7563.8699.9652.1593516.6463.6422387.8
Borrowings Ann.
-12.5%
16.6%
184.2-502757585.5170200.9111211101
Net Debt Ann.
-33.3%
-
42.9--144.7--70.6--43.720.3
Share Issued Ann.
0.3%
0.2%
262625.925.825.825.725.625.325.225.125
Number Of Shares End
0.1%
0.2%
25.625.725.625.525.525.425.625.325.225.125
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
4.7%
2Y CAGR
3.5%
3Y CAGR
2.8%
5Y CAGR
3.7%
7Y CAGR
5.3%
10Y CAGR
6.4%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
11.5%
2Y CAGR
8.3%
3Y CAGR
10.3%
5Y CAGR
3%
7Y CAGR
5.6%
10Y CAGR
6.9%
Total ShareHolders Funds Annual growth is higher than historical averages.

Lakeland Fin Corp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Lakeland Fin Corp Book Value Per Share is $29 which is growth of 9.3% YoY.

  • NEUTRAL

    ROE Lakeland Fin Corp ROE is 0% which is growth of 0% YoY.

Lakeland Financial Corp., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.42%1.45%1.60%1.55%1.57%1.77%1.68%1.28%1.29%1.29%
ROE Ann. %
-
-
-14.02%15.39%16.30%14.06%13.44%15.55%16.24%12.80%12.71%12.30%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--159.23%114.99%107.20%115.20%131.73%126.25%118.21%114.29%112.80%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
--0.10.50.10.10.30.10.20.10.1
*All financials are in USD Million and price data in USD
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Lakeland Fin Corp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Lakeland Fin Corp Dec-2025 Cash From Operating Activity is $115 Million which is growth of 12.1% YoY.

  • NEGATIVE

    Net Cash Flow Lakeland Fin Corp Dec-2025 Net Cash Flow is $-27 Million which is growth of -264.1% YoY.

Lakeland Financial Corp., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-12.1%
5.7%
114.9102.5114169.3113.887.210010577.262.255.8
⌄
-
-
-325.4-164.2-54.9-626.5-331.6-712-168.7-166.4-396.1-442.5-339.1
⌄
-
-25%
183.778.1-37.5-95.8651.1775.3-48.9102.2327.7466.9273.4
Cash Plus Cash Eqv. End Of Year Ann.
2.7%
-10.8%
141.3168.2151.8130.3683.2249.999.4216.9176.2167.380.7
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-26.916.421.5-553433.3150.6-117.540.78.986.6-10
Cash Plus Cash Eqv. Begin Of Year Ann.
-37.3%
11.1%
168.2151.8130.3683.2249.999.4216.9176.2167.380.790.6
Income Tax Paid Supplemental Data Ann.
-6.8%
-2.9%
16.723.814.120.62619.3211929.121.621.6
Interest Paid Supplemental Data Ann.
63.9%
34.8%
159185.3128.536.118.535.75943.629.218.615.8
Capex Ann.
-
-
-11.1-8.6-6-4.8-6.2-5.7-8-8-9.6-9.8-9.2
Issuance Of Capital Stock Ann.
26%
32%
0.40.40.40.20.10.10.10.1---
Issuance Of Debt Ann.
-14.7%
16.6%
184.25029785.595--
Repayment Of Debt Ann.
-
-
-50-297-75-10.5-170-106.5-80-275
Repurchase Of Capital Stock Ann.
-
-
-20.4-0.6-0.6-0.6-0.6-10.6-0.5-0.5-0.5-0.5-0.5
Free Cash Flow Ann.
-14.2%
5%
103.893.9108164.5107.681.5929767.752.446.6
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
12.1%
2Y CAGR
0.4%
3Y CAGR
-12.1%
5Y CAGR
5.7%
7Y CAGR
1.3%
10Y CAGR
7.5%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Financing Act. Ann.
1Y CHG
135.2%
5Y CAGR
-25%
7Y CAGR
8.7%
10Y CAGR
-3.9%
Cash from Financing Annual Activity growth is stable compared to historical averages.
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