VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemes
DCF ValuationCalculate intrinsic value of US stocks
Market ValuationBuffett indicator, CAPE & macro gauges
Total ReturnSee dividends + price return history
DCA CalculatorSimulate recurring buys & compounding
Earnings
FAANG & Tech
AAPL vs MSFTNVDA vs AMDGOOGL vs META
Cloud & Cyber
CRM vs NOWCRWD vs PANWSNOW vs DDOG
Consumer & Auto
TSLA vs FAMZN vs WMTNFLX vs DIS
Finance & Crypto
JPM vs BACV vs MACOIN vs MSTR
Pharma & Energy
LLY vs NVOJNJ vs PFEXOM vs CVX
Compare Any Stocks...
WatchlistInsider
ScreenerThemes
Earnings
WatchlistInsider
LKFN
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Data updated daily

Product

  • Screener
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly stock ideas — free

© 2026 VCP Scanner
AboutPrivacyTerms
Not financial advice. Do your own research.
ScreenerNewsCompareWatchlist
LKFNLakeland Financial Corporation
$61.57$1.5B
Overview & Verdict
Overview
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice HistoryTechnical Analysis
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Ownership
Holders

LKFN logoLakeland Financial Corporation(LKFN)Earnings, Financials & Key Ratios

LKFN•NASDAQ•Banking & Credit
$61.57
15.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutLakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. Its loan products include commercial and industrial, commercial real estate and multi-family residential, agri-business and agricultural, consumer 1-4 family mortgage, and other consumer loans. The company also offers retail and merchant credit card services; corporate treasury management, wealth advisory, and trust services; retail brokerage services, including various financial and investment products, such as annuities and life insurance; and mobile business banking and on-line treasury management services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. As of December 31, 2021, the company operated 51 offices in fifteen counties, including 45 offices in northern Indiana and six offices in central Indiana. Lakeland Financial Corporation was founded in 1872 and is headquartered in Warsaw, Indiana.Show more
  • Net Interest Income$221M+12.4%
  • Total Revenue$422M-1.9%
  • Net Income$103M+10.6%
  • Return on Equity14.29%+2.0%
  • Net Interest Margin3.16%+7.4%
  • Efficiency Ratio31.21%+7.3%
  • ROA1.51%+6.8%
  • Equity / Assets10.91%+6.5%
  • Book Value per Share29.59+11.5%

LKFN Price & Volume

Lakeland Financial Corporation (LKFN) stock price & volume — 10-year historical chart

Loading chart...

Geographic Concentration Risks Offset Operational Efficiency Gains

Investment Thesis • Updated 2026Q1

VerdictNeutral: While the bank exhibits disciplined cost management with an efficiency ratio of 33.5%
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Geographic and sector concentration

Key Thesis Takeaways

  • Lakeland Financial maintains a disciplined operational profile with an efficiency ratio consistently between 27.2% and 33.5%, yet faces significant headwinds from a stagnant 0.8% net interest margin.
  • The bank's heavy reliance on a fifteen-county Indiana footprint creates structural vulnerability to local manufacturing and orthopedic sector cycles, which may limit long-term earnings growth.
  • While the company demonstrates robust capital retention with an OCF/NI ratio peaking at 1.60, investors should monitor the $6.7 billion investment securities portfolio for potential duration risk in a volatile rate environment.

Verdict Logic

the 3.93 PEG ratio and geographic concentration risks suggest limited upside potential at the current 15.63 P/E valuation.

LKFN Growth Metrics

Lakeland Financial Corporation (LKFN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.16%
5 Years13.08%
3 Years14.43%
TTM-

Profit CAGR

10 Years8.35%
5 Years4.15%
3 Years-0.15%
TTM21.73%

EPS CAGR

10 Years8.16%
5 Years3.97%
3 Years-0.25%
TTM22%

Return on Capital

10 Years15.35%
5 Years14.37%
3 Years14.35%
Last Year15.84%

Latest LKFN News

Recent stock market news and headlines for Lakeland Financial Corporation (LKFN)

Zacks Investment Research·Jun 24, 2026
Are You Looking for a High-Growth Dividend Stock?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Lakeland Financial (LKFN) have what it takes?

Peers Comparison

Key metrics vs top competitors for Lakeland Financial Corporation (LKFN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
LKFN logoLKFNLakeland Financial CorporationCurrent
$61.57$1.53B15.35-1.93%24.51%14.29%3.24%
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
TOWN logoTOWNTowneBank
$36.06$2.76B16.32-1.61%14.75%6.36%—
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—
FULT logoFULTFulton Financial Corporation
$24.23$4.63B11.655.03%20.93%11.45%—
IBCP logoIBCPIndependent Bank Corporation
$35.76$736.88M10.94-0.3%22.54%14.15%—

Compare LKFN vs Peers

Lakeland Financial Corporation (LKFN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for LKFN.

Scale Benchmark

vs FITB

Larger-name benchmark to compare LKFN against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, TOWN, SFNC, FULT

LKFN SEC Filings & Documents

Lakeland Financial Corporation (LKFN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 27, 2026·SEC

Material company update

Apr 27, 2026·SEC

Material company update

Apr 15, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 19, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 29, 2026·SEC

FY 2025

Oct 29, 2025·SEC

FY 2025

Aug 6, 2025·SEC

Get notified when LKFN posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

LKFN Frequently Asked Questions

Lakeland Financial Corporation (LKFN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Lakeland Financial Corporation growing?

Lakeland Financial Corporation (LKFN) saw revenue decline by 1.9% over the past year.

Is LKFN profitable?

Yes, Lakeland Financial Corporation (LKFN) is profitable, generating $109.8M in net income for fiscal year 2025 (24.5% net margin).

Dividend & Returns
Does LKFN pay dividends?

Yes, Lakeland Financial Corporation (LKFN) pays a dividend with a yield of 3.24%. This makes it attractive for income-focused investors.

What is LKFN's return on equity?

Lakeland Financial Corporation (LKFN) has a return on equity (ROE) of 14.3%. This is reasonable for most industries.

Industry Metrics
What is Lakeland Financial Corporation's net interest margin?

Lakeland Financial Corporation (LKFN) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

What is Lakeland Financial Corporation's efficiency ratio?

Lakeland Financial Corporation (LKFN) has an efficiency ratio of 31.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in LKFN back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →