arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

LAKELAND FINANCIAL CORP

LKFN

$61.73 ▼ -0.55 (-0.89%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

auto_awesome

Analytical Summary

LAKELAND FINANCIAL CORP shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.6B

Dividend Yield 3.24%

Revenue Growth 6.1% ↗

Op. Margin 46.7% ↗

ROIC None

FCF / Share None

Trailing P/E 15.4x

Price / Book 2.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$268.99M

↑ +6.1% —

Net Income Profit after all expenses

$103.36M

↑ +10.6% —

Operating Margin Operating profit as % of sales

46.7%

↑ +6.0% 96th

Long-Term Debt Long-term obligations

$50.00M

↓ -83.2% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Dividend History

Dividend / share · sourced from SEC filings

$2.00 Latest / share

+4.2% YoY

+8.4% 12-yr CAGR

$0.82

FY 2014

$0.63

FY 2015

$0.73

FY 2016

$0.85

FY 2017

$1.00

FY 2018

$1.16

FY 2019

$1.20

FY 2020

$1.36

FY 2021

$1.60

FY 2022

$1.84

FY 2023

$1.92

FY 2024

$2.00

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	6.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	2.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-55%)	0.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	9.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+64%)	6.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	4.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-25%)	11.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+89%)	13.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+126%)	10.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+69%)	3.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-36%)	9.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+54%)	7.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	-1.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-121%)	0.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-98%)	11.4% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+89%)	—	—
EPS Growth YoY (%)	10.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-0.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	13.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-2.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	39.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	9.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	11.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-29.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	8.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	14.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	43.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	3.9% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	10.6% Fair ↑ Fair Improving Year-over-year change in net income	-0.3% Weak ↓ Weak Declining Year-over-year change in net income	-9.7% Weak ↓ Weak Declining Year-over-year change in net income	8.4% Fair ↑ Fair Improving Year-over-year change in net income	13.5% Fair ↓ Fair Declining Year-over-year change in net income	-3.1% Weak ↓ Weak Declining Year-over-year change in net income	8.3% Fair ↓ Fair Declining Year-over-year change in net income	40.3% Excellent ↑ Excellent Improving Year-over-year change in net income	10.1% Fair → Fair Stable Year-over-year change in net income	12.3% Fair ↑ Fair Improving Year-over-year change in net income	5.8% Fair ↓ Fair Declining Year-over-year change in net income	12.8% Fair ↓ Fair Declining Year-over-year change in net income	9.7% Fair ↓ Fair Declining Year-over-year change in net income	15.4% Good ↓ Good Declining Year-over-year change in net income	24.9% Good Good Year-over-year change in net income	29.3% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.0% Fair → Fair Stable Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.7% Fair → Fair Stable Compound annual revenue growth over 3 years	11.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.0% Caution Caution Compound annual revenue growth over 3 years	3.3% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	8.8% Good → Good Stable Compound annual revenue growth over 5 years	8.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.8% Caution Caution Compound annual revenue growth over 5 years	5.2% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-0.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	5.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	13.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	17.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	19.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-4.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	21.4% Excellent Excellent Compound annual EPS growth over 3 years	19.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	46.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	44.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	44.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	51.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+105%)	52.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+111%)	49.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	17.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	38.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	36.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	38.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	42.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+93%)	43.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	40.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	43.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	42.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	33.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	34.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	33.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	33.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	32.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	31.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	26.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	21.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.5% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	13.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	13.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	14.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+20%)	18.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+52%)	13.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	12.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	14.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+21%)	15.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+28%)	12.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.8% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	9.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	6.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	0.08x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.52x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.11x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	—	—	—	—	—	0.36x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.44x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.81x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-32%)	0.41x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.52x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.70x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.47	$9.87	$9.64	$9.59	$8.75	$8.24	$7.82	$7.57	$6.83	$6.04	$5.51	$8.00	$7.37	$6.91	$7.05	$7.08	$7.98	—
Basic EPS, GAAP (USD)	$4.02	$3.64	$3.67	$4.07	$3.76	$3.31	$3.40	$3.18	$2.28	$2.08	$1.86	$2.65	$2.36	$2.17	$1.89	$1.32	$1.27	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$2.00	$1.92	$1.84	$1.60	$1.36	$1.20	$1.16	$1.00	$0.85	$0.73	$0.63	$0.82	$0.57	$0.83	$0.62	$0.62	$0.62	—
Book Value per Share (USD)	$30.23	$26.81	$25.55	$22.44	$27.86	$26.03	$23.50	$20.76	$18.72	$17.12	$15.83	$21.94	$19.65	$18.28	$16.92	$15.36	$21.79	—
Tangible Book Value per Share (USD)	$30.03	$26.61	$25.35	$22.24	$27.66	$25.84	$23.31	$20.56	$18.53	$16.92	$15.63	$21.64	$19.35	$17.97	$16.61	$15.04	$21.79	—
Basic Weighted Avg Shares (shares)	25.69M	25.68M	25.60M	25.53M	25.48M	25.47M	25.59M	25.29M	25.18M	25.06M	24.93M	16.54M	16.44M	16.32M	16.20M	16.12M	12.85M	—
Dividend Payout Ratio (%)	49.8% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	52.7% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	50.1% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	36.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	36.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.1% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	31.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	35.1% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	30.9% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	24.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	47.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	48.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	$50.00M	$297.00M	$75.00M	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$762.40M	$683.82M	$649.70M	$568.80M	$704.82M	$657.10M	$598.01M	$521.62M	$468.58M	$426.98M	$392.81M	$361.30M	$321.88M	$297.74M	$273.20M	$247.00M	$279.99M	$149.88M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$268.99M	$253.52M	$246.89M	$244.75M	$222.81M	$209.85M	$200.04M	$191.38M	$171.90M	$151.34M	$137.41M	$132.36M	$121.18M	$112.87M	$114.28M	$114.16M	$102.53M	—
Depreciation Expense (USD)	$5.98M	$5.95M	$6.17M	$6.02M	$6.11M	$6.04M	$5.93M	$5.65M	$5.12M	$4.23M	$3.76M	$3.41M	$2.99M	$2.79M	$2.28M	—	—	—
Net Income, GAAP (USD)	$103.36M	$93.48M	$93.77M	$103.82M	$95.73M	$84.34M	$87.05M	$80.41M	$57.33M	$52.08M	$46.37M	$43.80M	$38.84M	$35.39M	$30.66M	$24.54M	$18.98M	—
Operating Cash Flow (USD)	$114.89M	$102.48M	$113.98M	$169.34M	$113.77M	$87.23M	$100.04M	$104.97M	$77.24M	$62.20M	—	$55.70M	$62.97M	$50.59M	$51.40M	$45.70M	$24.26M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.9%	3.0%	3.2%	2.7%	2.8%	3.1%	3.1%	2.9%	2.8%	2.8%	3.0%	2.8%	2.9%	3.2%	3.5%	—	—
Efficiency Ratio (%) (%)	48.9%	49.3%	52.9%	45.0%	46.8%	43.5%	44.7%	45.0%	46.1%	48.2%	49.6%	50.0%	51.8%	51.2%	48.2%	46.8%	52.2%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 65 quarters

LAKELAND FINANCIAL CORP

Analytical Summary

18-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare LKFN with peers