Lakeland Financial Corporation (LKFN) Stock Price & Analysis

Lakeland Financial Corporation (LKFN) closed at USD 61.02 on Thursday, October 29, 2026, up 1.03% on the day. The US market is currently closed (after-hours); this is not a live price.

The prior close was USD 60.4; the Oct 29, 2026 session ranged USD 60.82–61.82 on volume of 231,754 shares. Market capitalization is $1.51B, with a 52-week range of USD 54.36–64.55 (NMS). Source: Nexqual, retrieved October 29, 2026 at 23:01 UTC.

Also available as compact Markdown for AI agents: nexqual.com/LKFN.md

Key facts (LKFN)

• Last four reported quarters (through Sep 30, 2026): revenue $283M, net income $114M (40.1% margin) (SEC filings).
• Valuation: P/E 13.3x (avg 17.0x at the last 3 fiscal year-ends).
• Analysts: Hold (mean 3.00 on a 1–5 scale) (5 analysts), mean target USD 66 (range 64–67).
• Total return with dividends: 1Y +10.4% vs S&P 500 +14.4%; 5Y -1.3% vs S&P 500 +79.1%.
• Next earnings: 2027-01-25 (date not yet confirmed by the company), EPS estimate USD 1.14, revenue estimate $74.8M.
• Dividend: USD 2.08 a year (yield 3.44%), paid quarterly; latest ex-dividend date 2026-10-23; annual dividends grew 7.7% a year 2022–2025.
• Short interest: 11.98% of float (as of 2026-10-15), 10.3 days to cover.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (LKFN)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Sep 30, 2026) (LKFN)

P/E 13.3x · P/S 5.3x · P/FCF 12.5x · P/B 2.1x · FCF yield 8.01% · Earnings yield 7.54% · Dividend yield (paid, TTM) 3.46% · Buyback yield (TTM) 2.97%

P/E at fiscal year-ends: Dec 2025 14.2x, Dec 2024 19.0x, Dec 2023 17.9x.

Analysts (LKFN)

Consensus Hold (mean 3.00 on a 1–5 scale), 5 analysts; mean target USD 66 (low 64, high 67).

Rating changes, last 120 days:

Total return (dividends reinvested) (LKFN)

Dividends (LKFN)

Annual dividend rate USD 2.08 per share, yield 3.44% at the current price. Paid over the last 12 months: USD 2.08 in 4 payments (quarterly).

Most recent ex-dividend date: Oct 23, 2026; payment date: Nov 5, 2026. To receive a dividend, shares must be owned before the ex-dividend date.

Latest change: raised 4.0% to USD 0.52 per payment from USD 0.50, starting with the Jan 23, 2026 ex-dividend date.

Payout ratio 46% of earnings · 5-year average yield 2.73% · annual dividends grew 7.7% a year from 2022 to 2025.

Total by calendar year: 2022 USD 1.60 · 2023 USD 1.84 · 2024 USD 1.92 · 2025 USD 2.00.

Short interest (LKFN)

2,416,472 shares sold short, 11.98% of the float, as of Oct 15, 2026 (exchange short-interest report, published about twice a month). Prior report (Sep 15, 2026): 2,409,222 shares (+0.3%). Days to cover: 10.3 (short shares ÷ average daily volume).

LKFN earnings history and stock reaction

EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

LKFN company outlook (results filed Oct 26, 2026)

• “We are pleased that our asset quality trends continue to be stable with historically-low troubled loan totals, and we remain optimistic about the manufacturing outlook in our state." Investment Portfolio Overview Total investment securities were $1.09 billion at September 30, 2026, reflecting a decrease of $74.3 million, or 6%, as compared to $1.16 billion at September 30, 2025.”
• “The company anticipates receiving principal and interest cash flows of approximately $24.1 million during the remainder of 2026 from the investment securi ties portfolio a nd plans to use that liquidity to fund loan growth as well as reinvestments to the investment securities portfolio.”

Quoted word-for-word from the SEC 8-K results press release.

LKFN analyst estimates and revisions

LKFN options: expected move

Options price a move of about ±13.4% (±$8.07) by Mar 19, 2027, which includes earnings on Jan 25, 2027. Over the last 8 reports the stock moved ±3.6% on average.

30-day implied volatility 29.6% vs 22.3% realized over the last 30 trading days. Put/call ratio (volume) —. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 29, 2026 at 23:01 UTC)

Technical Analysis (LKFN)

Nexqual's technical model rates LKFN "STRONG BUY" based on 5 bullish and 0 bearish signals across 127 daily candles, as of October 29, 2026 at 23:01 UTC.

Analyst Ratings (LKFN)

Wall Street analysts rate LKFN "Hold" based on 5 analysts, with a mean price target of USD 66 (range USD 64–67), per Nexqual as of October 29, 2026 at 23:01 UTC.

Earnings (LKFN)

Recent Earnings History

Source: Nexqual, October 29, 2026 at 23:01 UTC.

Financials & Fundamentals (LKFN)

Source: Nexqual, October 29, 2026 at 23:01 UTC.

Financial Health Score (LKFN)

Nexqual rates Lakeland Financial Corporation's overall financial health "Solid" across five dimensions, as of October 29, 2026 at 23:01 UTC.

Ownership (LKFN)

Source: Nexqual, October 29, 2026 at 23:01 UTC.

Leadership (LKFN)

Lakeland Financial Corporation is led by David M. Findlay, Chairman & CEO, per Nexqual as of October 29, 2026 at 23:01 UTC.

Major Backers & Investors (LKFN)

Notable institutional backers of Lakeland Financial Corporation include Neuberger Berman Group, LLC, Charles Schwab Investment Management, Inc., Fuller & Thaler Asset Management Inc., according to Nexqual as of October 29, 2026 at 23:01 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 29, 2026 at 23:01 UTC.

From Lakeland Financial Corporation's Latest SEC 10-K Filing (filed 2026-02-25)

Key Strengths & Strategy (as disclosed to the SEC)

• As a result, our growth and earnings performance may be affected not only by management decisions and general economic conditions, but also by the requirements of federal and state statutes and by the regulations and policies of various banking agencies, including the Indiana Department of Financial Institutions (the "DFI"), the Board of Governors of the Federal Reserve System (the "Federal Reserve"), the FDIC, and the federal and state consumer financial protection agencies.

Legal & Regulatory Risks (Item 1A, quoted)

• We may be materially and adversely affected by the highly regulated environment in which we operate.
• The laws, regulations, rules, standards, policies, and interpretations governing us are constantly evolving and may change significantly over time.
• Regulations of the Federal Reserve could adversely affect our business, financial condition and results.
• We may be subject to a higher consolidated effective tax rate if there is a change in tax laws relating to LCB Investments II, Inc. or if LCB Funding, Inc. fails to qualify as a real estate investment trust.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 23:01 UTC. This page is informational and not investment advice.

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