What is Lakeland Financial Corp's earnings per share (EPS)?

Lakeland Financial Corp (LKFN) reported diluted earnings per share of $4.01 for fiscal year 2025. This represents a 10.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Lakeland Financial Corp (LKFN) Financials

LKFN

Trailing 12 months to June 30, 2026

Revenue $303.6M +6.6% YoY

Net Income $111.2M +17.6% YoY

EPS (Diluted) $4.36 +18.8% YoY

Free Cash Flow $111.7M +19.8% YoY

Market Cap $1.4B as of Oct 9, 2026

Price / Sales 4.7x on $303.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.7x on $111.2M net income, trailing 12 months to June 30, 2026

Price / Book 1.8x on $773.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LKFN SEC filings page.

Lakeland Financial Corp (LKFN) reported $303.6M in revenue over the twelve months to Jun 30, 2026, up 6.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI LKFN FY2025 2026-10-04

Liability-funded balance sheet supports recurring earnings, while cash generation broadly matches reported profit.

Operating cash flow was $114.9M in FY2025 versus net income of $103.4M, showing that reported earnings converted into cash rather than remaining mainly accounting entries. Free cash flow was $103.8M after capital expenditures of $11.1M, so reinvestment did not consume the year's operating cash generation.

Revenue reached $269.0M in FY2025, but the more revealing change was profitability. Net profit margin rose from 36.9% in FY2024 to 38.4% in FY2025, indicating earnings recovered faster than sales and pointing to improved cost absorption or mix.

Assets expanded to $6.99B while liabilities reached $6.23B in FY2025. With equity at $762.4M, roughly 89.1% of assets were funded by liabilities; the business is structurally balance-sheet intensive rather than asset-light.

Financial Health Signals

Financial Health Score 59/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Lakeland Financial Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Lakeland Financial Corp earned a return on assets of 1.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.4% the prior year. Earnings ranks banks on that return over three years, and Lakeland Financial Corp scores 85/100 among other banks.

Growth

Lakeland Financial Corp reported revenue of $269.0M in fiscal year 2025, against $253.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Lakeland Financial Corp scores 33/100 among other banks.

Capital

Lakeland Financial Corp funded 10.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $762.4M of equity against $7.0B of assets. Capital ranks banks on that cushion, and Lakeland Financial Corp scores 44/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Lakeland Financial Corp scores 89/100 on it among other banks.

Credit Quality

Not available for Lakeland Financial Corp, and counted as zero in the overall score.

Stability

100

Lakeland Financial Corp reported net income of $103.4M in fiscal year 2025, against $93.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Lakeland Financial Corp scores 100/100 among other banks.

Piotroski F-Score Partial

6/6

Lakeland Financial Corp passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.11x

For every $1 of reported earnings, Lakeland Financial Corp generates $1.11 in operating cash flow ($114.9M OCF vs $103.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$70.9M

YoY+6.8%

QoQ+1.7%

5Y CAGR+5.2%

10Y CAGR+6.6%

Lakeland Financial Corp generated $70.9M in revenue in Q2 2026. This represents an increase of 6.8% from the same quarter a year earlier. Against the prior quarter it is up 1.7%.

Net Income

$28.4M

YoY+5.5%

QoQ+7.4%

5Y CAGR+3.2%

10Y CAGR+8.3%

Lakeland Financial Corp reported $28.4M in net income in Q2 2026. This represents an increase of 5.5% from the same quarter a year earlier. Against the prior quarter it is up 7.4%.

EPS (Diluted)

$1.13

YoY+8.7%

QoQ+8.7%

5Y CAGR+3.5%

10Y CAGR+8.5%

Lakeland Financial Corp earned $1.13 per diluted share (EPS) in Q2 2026. This represents an increase of 8.7% from the same quarter a year earlier. Against the prior quarter it is up 8.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$19.1M

YoY+36.1%

QoQ-36.1%

5Y CAGR-10.9%

10Y CAGR+2.6%

Lakeland Financial Corp generated $19.1M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 36.1% from the same quarter a year earlier. Against the prior quarter it is down 36.1%.

Cash & Debt

$194.1M

YoY-37.4%

QoQ+28.3%

5Y CAGR-19.5%

10Y CAGR+6.0%

Lakeland Financial Corp held $194.1M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.52

YoY+4.0%

QoQ0.0%

5Y CAGR+8.9%

Lakeland Financial Corp paid $0.52 per share in dividends in Q2 2026. This represents an increase of 4.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

25M

YoY-2.6%

QoQ-0.2%

5Y CAGR-0.4%

10Y CAGR-0.1%

Lakeland Financial Corp had 25M shares outstanding in Q2 2026. This represents a decrease of 2.6% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.

Margins & Returns

Net Margin

40.1%

YoY-0.5pp

QoQ+2.1pp

5Y change-4.1pp

10Y change+5.8pp

Lakeland Financial Corp's net profit margin was 40.1% in Q2 2026, showing the share of revenue converted to profit. This is down 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.1 percentage points.

Return on Equity

3.7%

YoY-0.1pp

QoQ+0.1pp

5Y change+0.1pp

10Y change+0.6pp

Lakeland Financial Corp's ROE was 3.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$4.3M

YoY+137.7%

QoQ-78.3%

5Y CAGR+132.2%

10Y CAGR+65.3%

Lakeland Financial Corp spent $4.3M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 137.7% from the same quarter a year earlier. Against the prior quarter it is down 78.3%.

Capital Expenditures

$5.2M

YoY+147.5%

QoQ+11.3%

5Y CAGR+35.9%

10Y CAGR+12.9%

Lakeland Financial Corp invested $5.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 147.5% from the same quarter a year earlier. Against the prior quarter it is up 11.3%.

R&D Spending

Not reported for Q2 2026.

LKFN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LKFN quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$303.6M	$269.0M+6.1%	$253.5M+2.7%	$246.9M+0.9%	$244.7M+9.8%	$222.8M+6.2%	$209.9M+4.9%	$200.0M+4.4%	$191.6M+11.4%	$171.9M+13.6%	$151.3M+10.1%	$137.4M+3.8%	$132.4M+9.2%	$121.2M+7.4%	$112.9M-1.2%	$114.3M
SG&A Expenses	$94.6M	$75.3M+12.8%	$66.7M+12.8%	$59.1M+1.1%	$58.5M+1.1%	$57.9M+17.1%	$49.4M+1.4%	$48.7M+2.3%	$47.6M+5.2%	$45.3M+8.8%	$41.7M+7.0%	$38.9M+0.7%	$38.6M+4.0%	$37.2M+7.6%	$34.5M+5.3%	$32.8M
Interest Expense	$147.7M	$152.7M-13.5%	$176.5M+20.7%	$146.2M+298.7%	$36.7M+142.4%	$15.1M-49.7%	$30.1M-50.0%	$60.2M+26.1%	$47.7M+60.0%	$29.8M+45.6%	$20.5M+23.2%	$16.6M+10.9%	$15.0M-13.4%	$17.3M-35.2%	$26.7M-10.4%	$29.8M
Income Tax	$24.4M	$22.2M+22.0%	$18.2M+9.9%	$16.6M-22.4%	$21.3M-1.7%	$21.7M+11.1%	$19.5M-3.9%	$20.3M+9.7%	$18.5M-42.6%	$32.3M+28.5%	$25.1M+10.1%	$22.8M+2.0%	$22.4M+14.4%	$19.6M+13.8%	$17.2M+16.7%	$14.7M
Net Income	$111.2M	$103.4M+10.6%	$93.5M-0.3%	$93.8M-9.7%	$103.8M+8.4%	$95.7M+13.5%	$84.3M-3.1%	$87.0M+8.3%	$80.4M+40.3%	$57.3M+10.1%	$52.1M+12.3%	$46.4M+5.8%	$43.8M+12.8%	$38.8M+9.7%	$35.4M+15.4%	$30.7M
EPS (Basic)	N/A	$4.02+10.4%	$3.64-0.8%	$3.67-9.8%	$4.07+8.2%	$3.76+13.6%	$3.31-2.6%	$3.40+6.9%	$3.18+39.5%	$2.28+9.6%	$2.08+11.8%	$1.86+5.1%	$1.77-25.0%	$2.36+8.8%	$2.17+14.8%	$1.89
EPS (Diluted)	$4.36	$4.01+10.5%	$3.63-0.5%	$3.65-9.7%	$4.04+8.0%	$3.74+13.3%	$3.30-2.4%	$3.38+8.0%	$3.13+40.4%	$2.23+8.8%	$2.05+11.4%	$1.84+5.7%	$1.74	$2.33+8.4%	$2.15+14.4%	$1.88
Diluted Shares (Avg)	N/A	26M+0.1%	26M+0.2%	26M0.0%	26M+0.4%	26M+0.2%	26M-0.7%	26M+0.1%	26M+0.3%	26M+0.8%	25M+0.9%	25M+0.3%	25M	17M+0.9%	16M+1.0%	16M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$70.9M+6.8%	$69.7M+9.3%	$94.0M+0.7%	$69.0M+12.8%	$66.4M-3.5%	$63.8M+6.3%	$93.4M+2.7%	$61.2M+3.3%
SG&A Expenses	$20.5M+19.9%	$20.3M+13.4%	$33.4M+9.1%	$20.4M+23.9%	$17.1M+5.8%	$17.9M+6.4%	$30.7M+4.1%	$16.5M+3.1%
Interest Expense	$36.8M-6.7%	$35.2M-6.3%	$36.8M-11.7%	$38.8M-15.2%	$39.5M-13.1%	$37.6M-13.8%	$41.7M-1.6%	$45.7M+13.7%
Income Tax	$6.3M+5.1%	$6.1M+46.3%	$6.4M+28.0%	$5.7M+28.6%	$6.0M+36.4%	$4.2M-5.6%	$5.0M-21.8%	$4.4M-1.8%
Net Income	$28.4M+5.5%	$26.5M+31.8%	$29.9M+23.6%	$26.4M+13.1%	$27.0M+19.6%	$20.1M-14.2%	$24.2M-18.3%	$23.3M-7.6%
EPS (Basic)	$1.14+8.6%	$1.04+33.3%	$1.16+23.4%	$1.03+13.2%	$1.05+19.3%	$0.78-14.3%	$0.94-19.0%	$0.91-8.1%
EPS (Diluted)	$1.13+8.7%	$1.04+33.3%	$1.16+23.4%	$1.03+13.2%	$1.04+19.5%	$0.78-14.3%	$0.94-19.0%	$0.91-7.1%
Diluted Shares (Avg)	25M-2.1%	25M-1.2%	N/A	26M+0.2%	26M+0.1%	26M+0.2%	N/A	26M+0.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

LKFN Balance Sheet

LKFN quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$7.0B+4.7%	$6.7B+2.4%	$6.5B+1.4%	$6.4B-1.9%	$6.6B+12.5%	$5.8B+17.9%	$4.9B+1.5%	$4.9B+4.1%	$4.7B+9.2%	$4.3B+13.9%	$3.8B+9.4%	$3.4B+8.4%	$3.2B+3.6%	$3.1B+6.0%	$2.9B
Cash & Equivalents	$141.3M-16.0%	$168.2M+10.8%	$151.8M+16.5%	$130.3M-80.9%	$683.2M+173.4%	$249.9M+151.5%	$99.4M-54.2%	$216.9M+23.1%	$176.2M+5.3%	$167.3M+107.4%	$80.7M-11.0%	$90.6M+43.6%	$63.1M-72.8%	$232.2M+122.1%	$104.6M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M
Total Liabilities	$6.2B+3.9%	$6.0B+2.0%	$5.9B+0.2%	$5.9B+0.2%	$5.9B+13.1%	$5.2B+19.0%	$4.3B-0.1%	$4.4B+3.3%	$4.2B+9.1%	$3.9B+14.5%	$3.4B+9.5%	$3.1B+8.0%	$2.9B+3.2%	$2.8B+5.7%	$2.6B
Long-Term Debt	N/A	N/A	$50.0M-83.2%	$297.0M+296.0%	$75.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$762.4M+11.5%	$683.8M+5.3%	$649.7M+14.2%	$568.8M-19.3%	$704.8M+7.3%	$657.1M+9.9%	$598.0M+14.6%	$521.6M+11.3%	$468.7M+9.8%	$427.0M+8.7%	$392.8M+8.7%	$361.3M+12.2%	$321.9M+8.1%	$297.7M+9.0%	$273.2M
Retained Earnings	$788.3M+7.1%	$736.4M+6.3%	$692.8M+7.2%	$646.1M+10.8%	$583.1M+10.2%	$529.0M+11.3%	$475.2M+13.4%	$419.2M+15.2%	$363.8M+11.0%	$327.9M+11.5%	$294.0M+11.6%	$263.3M+13.0%	$233.1M+14.5%	$203.7M+12.0%	$181.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$7.2B+4.0%	$7.1B+3.4%	$7.0B+4.7%	$6.9B+3.8%	$7.0B+6.0%	$6.9B+4.3%	$6.7B+2.4%	$6.6B+3.4%
Cash & Equivalents	$194.1M-37.4%	$151.3M-35.7%	$141.3M-16.0%	$192.8M+20.4%	$310.2M+156.0%	$235.2M+59.3%	$168.2M+10.8%	$160.2M+9.5%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%	$5.0M0.0%
Total Liabilities	$6.5B+3.4%	$6.3B+2.9%	$6.2B+3.9%	$6.1B+3.4%	$6.3B+5.8%	$6.2B+4.0%	$6.0B+2.0%	$5.9B+1.3%
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$30.0M-66.7%
Total Equity	$773.3M+8.9%	$748.9M+7.8%	$762.4M+11.5%	$747.4M+6.9%	$709.9M+8.5%	$694.4M+7.3%	$683.8M+5.3%	$699.1M+25.5%
Retained Earnings	$817.0M+7.8%	$801.6M+7.8%	$788.3M+7.1%	$771.3M+6.5%	$757.7M+6.2%	$743.6M+5.7%	$736.4M+6.3%	$724.5M+7.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

LKFN Cash Flow Statement

LKFN quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$128.8M	$114.9M+12.1%	$102.5M-10.1%	$114.0M-32.7%	$169.3M+48.8%	$113.8M+30.4%	$87.2M-12.8%	$100.0M-4.7%	$105.0M+35.9%	$77.2M+24.2%	$62.2M+11.5%	$55.8M+0.1%	$55.7M-11.5%	$63.0M+24.5%	$50.6M-1.6%	$51.4M
Depreciation & Amortization	N/A	$6.0M+0.4%	$6.0M-3.6%	$6.2M+2.5%	$6.0M-1.4%	$6.1M+1.0%	$6.0M+1.9%	$5.9M+4.9%	$5.7M+10.5%	$5.1M+21.0%	$4.2M+12.5%	$3.8M+10.1%	$3.4M+12.2%	$3.0M+7.0%	$2.8M+21.8%	$2.3M
Stock-Based Compensation	N/A	$8.6M+86.6%	$4.6M+25.5%	$3.7M-53.2%	$7.8M+9.1%	$7.2M+299.9%	$1.8M-57.2%	$4.2M-25.3%	$5.6M-1.6%	$5.7M+35.3%	$4.2M+66.1%	$2.5M-9.6%	$2.8M+42.9%	$2.0M+46.0%	$1.3M+0.1%	$1.3M
Capital Expenditures	$17.2M	$11.1M+28.8%	$8.6M+44.1%	$6.0M+24.3%	$4.8M-21.8%	$6.2M+7.8%	$5.7M-28.5%	$8.0M+0.4%	$8.0M-16.8%	$9.6M-2.5%	$9.8M+7.2%	$9.2M+39.6%	$6.6M-12.5%	$7.5M+158.8%	$2.9M-56.5%	$6.7M
Free Cash Flow	$111.7M	$103.8M+10.6%	$93.9M-13.1%	$108.0M-34.4%	$164.5M+52.9%	$107.6M+32.0%	$81.5M-11.4%	$92.0M-5.1%	$97.0M+43.4%	$67.7M+29.2%	$52.4M+12.4%	$46.6M-5.1%	$49.1M-11.4%	$55.5M+16.3%	$47.7M+6.6%	$44.7M
Investing Cash Flow	-$367.4M	-$325.4M-98.1%	-$164.2M-199.0%	-$54.9M+91.2%	-$626.5M-89.0%	-$331.5M+53.4%	-$712.0M-322.1%	-$168.7M-1.4%	-$166.4M+58.0%	-$396.1M+10.5%	-$442.4M-30.5%	-$339.1M-41.4%	-$239.8M+23.3%	-$312.5M-432.2%	-$58.7M+66.8%	-$176.7M
Financing Cash Flow	$122.5M	$183.6M+135.1%	$78.1M+308.3%	-$37.5M+60.8%	-$95.8M-114.7%	$651.1M-16.0%	$775.3M+1686.0%	-$48.9M-147.8%	$102.2M-68.8%	$327.7M-29.8%	$466.9M+70.8%	$273.4M+29.2%	$211.6M+163.1%	$80.4M-40.8%	$135.8M-20.0%	$169.8M
Dividends Paid	$52.0M	$51.4M+4.3%	$49.3M+4.6%	$47.1M+15.3%	$40.8M+17.9%	$34.6M+13.3%	$30.6M+3.1%	$29.6M+17.3%	$25.3M+18.1%	$21.4M+17.6%	$18.2M+15.9%	$15.7M+15.8%	$13.6M+44.6%	$9.4M-31.2%	$13.6M+35.7%	$10.0M
Share Buybacks	$42.2M	$20.4M+3344.4%	$592K+3.0%	$575K-0.7%	$579K+3.6%	$559K-94.7%	$10.5M+1948.0%	$515K+11.2%	$463K-6.5%	$495K+8.1%	$458K+0.7%	$455K+2.5%	$444K+11.3%	$399K-5.2%	$421K+72.5%	$244K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$24.4M+50.7%	$34.7M+19.9%	$33.7M-12.8%	$36.1M+100.4%	$16.2M-23.0%	$28.9M+16.7%	$38.7M+46.0%	$18.0M-64.4%
Depreciation & Amortization	$1.5M+1.2%	$1.5M+1.1%	$1.5M+3.5%	$1.5M+2.7%	$1.5M-0.7%	$1.5M-3.6%	$1.5M-7.3%	$1.5M-3.0%
Stock-Based Compensation	N/A	$2.4M+6.4%	N/A	N/A	N/A	$2.2M+153.6%	N/A	N/A
Capital Expenditures	$5.2M+147.5%	$4.7M+163.9%	$2.2M+10.8%	$5.0M+87.0%	$2.1M-12.6%	$1.8M+16.0%	$2.0M+102.8%	$2.7M+125.7%
Free Cash Flow	$19.1M+36.1%	$30.0M+10.4%	$31.5M-14.1%	$31.1M+102.7%	$14.1M-24.4%	$27.1M+16.7%	$36.7M+43.8%	$15.3M-69.0%
Investing Cash Flow	-$106.5M-158.6%	-$91.8M+20.3%	-$131.3M-153.9%	-$37.8M-148.5%	-$41.2M-16.1%	-$115.2M-86.2%	-$51.7M-58.9%	-$15.2M-244.3%
Financing Cash Flow	$124.9M+25.0%	$67.2M-56.2%	$46.0M+118.9%	-$115.6M-419.0%	$100.0M+929.7%	$153.2M+365.4%	$21.0M+81.6%	$36.2M+141.2%
Dividends Paid	$13.0M+1.4%	$13.2M+2.8%	$12.9M+4.3%	$12.9M+4.2%	$12.9M+4.4%	$12.8M+4.5%	$12.3M+4.6%	$12.3M+4.6%
Share Buybacks	$4.3M+137.7%	$19.6M+9020.0%	$18.2M+21018.6%	$224K+4.2%	$1.8M+2056.6%	$215K+3.4%	$86K+2.4%	$215K+4.4%

LKFN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LKFN quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	38.4%+1.6pp	36.9%-1.1pp	38.0%-4.4pp	42.4%-0.6pp	43.0%+2.8pp	40.2%-3.3pp	43.5%+1.5pp	42.0%+8.6pp	33.3%-1.1pp	34.4%+0.7pp	33.7%+0.6pp	33.1%+1.1pp	32.0%+0.7pp	31.4%+4.5pp	26.8%
Return on Equity	13.6%-0.1pp	13.7%-0.8pp	14.4%-3.8pp	18.3%+4.7pp	13.6%+0.8pp	12.8%-1.7pp	14.6%-0.9pp	15.4%+3.2pp	12.2%0.0pp	12.2%+0.4pp	11.8%-0.3pp	12.1%+0.1pp	12.1%+0.2pp	11.9%+0.7pp	11.2%
Return on Assets	1.5%+0.1pp	1.4%0.0pp	1.4%-0.2pp	1.6%+0.1pp	1.5%0.0pp	1.5%-0.3pp	1.8%+0.1pp	1.7%+0.4pp	1.2%0.0pp	1.2%0.0pp	1.2%0.0pp	1.3%0.0pp	1.2%+0.1pp	1.2%+0.1pp	1.1%
Debt-to-Equity	8.17-0.6x	8.77+8.7x	0.08-0.4x	0.52+0.4x	0.11-7.8x	7.87+0.6x	7.27-1.1x	8.35-0.6x	8.99-0.1x	9.05+0.5x	8.59+0.1x	8.53-0.3x	8.87-0.4x	9.29-0.3x	9.58
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	38.6%+1.6pp	37.0%-6.7pp	43.7%-23.5pp	67.2%+18.9pp	48.3%+9.4pp	38.8%-7.2pp	46.0%-4.6pp	50.6%+11.3pp	39.4%+4.7pp	34.6%+0.7pp	33.9%-3.2pp	37.1%-8.7pp	45.8%+3.5pp	42.3%+3.1pp	39.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	40.1%-0.5pp	38.0%+6.5pp	31.8%+5.9pp	38.3%+0.1pp	40.6%+7.8pp	31.5%-7.5pp	25.9%-6.7pp	38.1%-4.5pp
Return on Equity	3.7%-0.1pp	3.5%+0.7pp	3.9%+0.4pp	3.5%+0.2pp	3.8%+0.3pp	2.9%-0.7pp	3.5%-1.0pp	3.3%-1.2pp
Return on Assets	0.4%0.0pp	0.4%+0.1pp	0.4%+0.1pp	0.4%0.0pp	0.4%+0.1pp	0.3%-0.1pp	0.4%-0.1pp	0.4%0.0pp
Debt-to-Equity	8.37-0.4x	8.46-0.4x	8.17-0.6x	8.23+8.2x	8.81+8.7x	8.87-0.3x	8.77+8.7x	0.04-0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	27.0%+5.8pp	43.0%+0.4pp	33.5%-5.8pp	45.0%+20.0pp	21.2%-5.9pp	42.5%+3.8pp	39.3%+11.2pp	25.0%-58.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Lakeland Financial Corp LKFN	FY2025	$269.0M	$103.4M	38.4%	$1.4B	59/100
Coastal Financial Corporation CCB	FY2025	$541.7M	$47.0M	8.7%	$652.7M	53/100
First Commonwealth Financial Corporation FCF	FY2025	$522.9M	$152.3M	29.1%	$2.0B	63/100
Pathward Financial, Inc. CASH	FY2025	$839.9M	$185.9M	22.1%	$1.5B	55/100
S&T Bancorp Inc STBA	FY2025	$402.1M	$134.2M	33.4%	$1.7B	58/100
Stellar Bancorp, Inc. STEL	FY2025	$423.4M	$102.9M	24.3%	$2.0B	20/100

Where Lakeland Financial Corp Ranks

Frequently Asked Questions

What is Lakeland Financial Corp's annual revenue?

Lakeland Financial Corp (LKFN) reported $269.0M in total revenue for fiscal year 2025. This represents a 6.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Lakeland Financial Corp's revenue growing?

Lakeland Financial Corp (LKFN) revenue grew by 6.1% year-over-year, from $253.5M to $269.0M in fiscal year 2025.

Is Lakeland Financial Corp profitable?

Yes, Lakeland Financial Corp (LKFN) reported a net income of $103.4M in fiscal year 2025, with a net profit margin of 38.4%.

What is Lakeland Financial Corp's net profit margin?

Lakeland Financial Corp (LKFN) had a net profit margin of 38.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Lakeland Financial Corp pay dividends?

Yes, Lakeland Financial Corp (LKFN) paid $2.00 per share in dividends during fiscal year 2025.

What is Lakeland Financial Corp's return on equity (ROE)?

Lakeland Financial Corp (LKFN) has a return on equity of 13.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Lakeland Financial Corp's free cash flow?

Lakeland Financial Corp (LKFN) generated $103.8M in free cash flow during fiscal year 2025. This represents a 10.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Lakeland Financial Corp's operating cash flow?

Lakeland Financial Corp (LKFN) generated $114.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Lakeland Financial Corp's total assets?

Lakeland Financial Corp (LKFN) had $7.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Lakeland Financial Corp's capital expenditures?

Lakeland Financial Corp (LKFN) invested $11.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Lakeland Financial Corp buy back shares?

Yes, Lakeland Financial Corp (LKFN) spent $20.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Lakeland Financial Corp have outstanding?

Lakeland Financial Corp (LKFN) had 25M shares outstanding as of fiscal year 2025.

What is Lakeland Financial Corp's debt-to-equity ratio?

Lakeland Financial Corp (LKFN) had a debt-to-equity ratio of 8.17 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Lakeland Financial Corp's return on assets (ROA)?

Lakeland Financial Corp (LKFN) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Lakeland Financial Corp's P/E ratio?

Lakeland Financial Corp (LKFN) trades at 12.7x earnings, its market capitalization divided by net income of $111.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Lakeland Financial Corp's price-to-sales ratio?

Lakeland Financial Corp (LKFN) trades at 4.7x sales, its market capitalization divided by revenue of $303.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Lakeland Financial Corp's Piotroski F-Score?

Lakeland Financial Corp (LKFN) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Lakeland Financial Corp's earnings high quality?

Lakeland Financial Corp (LKFN) has an earnings quality ratio of 1.11x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Lakeland Financial Corp?

Lakeland Financial Corp (LKFN) scores 59 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.