LKFN logo

LAKELAND FINANCIAL CORP

LKFNNASDAQ
πŸ† #2216 by market capUS Equity
$742.68β–Ό $21.09 (βˆ’2.84%)
Simulated price
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🏦Market Cap
$1.46B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-1.9%
Declining
πŸ“ŠGross Margin
64.1%
High
πŸ’΅FCF Margin
26.1%
Strong
βš–οΈP/S Ratio
3.4x
Fair
Otter Score
64
Fair
No chart data available for LKFN.

Trading Snapshot

Day Range
$738.02 – $747.63
52-Week Range
$54.36 – $66.45
Volume
$2.73B
Avg Volume
$2.21B
Shares Outstanding
24.9M
Next Earnings
Dec 9, 2026

Fundamentals Snapshot

Annual Revenue
$422M
Last Q Revenue
$108M
P/E Ratio
13.4
P/S Ratio
3.4x
EPS (TTM)
$4.44
Dividend Yield
3.51%
Dilution (1yr)
βˆ’0.1%

Why Investors Own LKFN

  • βœ“High-growth profile β€” revenue up +28.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 43% gross margin and 18% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

LKFN logo

LAKELAND FINANCIAL CORP

LKFN
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$422Mβ–Ό βˆ’1.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
61.0%β–² +10.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$126Mβ–² +12.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$104Mβ–² +10.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
25.8Mβ–Ό βˆ’0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$127Mβ–Ό βˆ’$295M YoY
StockOtter Β· stockotter.space

About LAKELAND FINANCIAL CORP

Lakeland Financial Corporation serves as the parent organization for Lake City Bank, offering a broad spectrum of banking and financial solutions. The company manages various deposit accounts, including non-interest-bearing and interest-bearing checking, savings, money market, NOW, and demand deposits. Its lending portfolio is diverse, providing commercial and industrial loans, financing for commercial real estate and multi-family residences, agri-business and agricultural loans, and a variety of consumer loans, such as 1-4 family mortgages. Beyond traditional banking, Lakeland Financial offers retail and merchant credit card services, advanced corporate treasury management, wealth advisory, and trust administration. It also facilitates retail brokerage, featuring investment vehicles like annuities and life insurance, and supports clients with mobile business banking and online treasury management platforms. The firm caters to a wide range of sectors, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, hospitality, and healthcare industries. Established in 1872, Lakeland Financial Corporation is headquartered in Warsaw, Indiana. As of December 31, 2021, it operated an extensive network of 51 branches across fifteen counties, with 45 located in northern Indiana and six in central Indiana.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$757.29
β–² +2.0% Upside
High Target$871.82
Low Target$673.98
Based on 14 analysts

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