LKFNNasdaqState Commercial BanksFiscal year ends December 31
LAKELAND FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$57.56−0.44 (-0.76%)
Close on Oct 19, 2026
- Market cap
- $1.45B
- P/E (TTM)
- 13.2
- Dividend yield
- 3.47%
Lakeland Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Market Cap | $1.43B | $679.86M |
| Enterprise Value | $1.24B | $408.94M |
| PE Ratio | 13.20 | 12.00 |
| PS Ratio | 5.12 | 3.61 |
| PB Ratio | 1.85 | 1.18 |
| P/TBV Ratio | 1.86 | 1.41 |
| P/FCF Ratio | 12.81 | 10.93 |
| P/OCF Ratio | 11.11 | 10.04 |
Enterprise value
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| EV / Sales | 4.43 | 2.78 |
| EV / FCF | 11.08 | 8.25 |
Income (trailing twelve months)
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Revenue | $279.40M | $170.85M |
| Pretax Income | $135.68M | $70.12M |
| Net Income | $111.23M | $54.33M |
| EPS (Diluted) | $4.36 | $2.90 |
Margins
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Pretax Margin | 48.6% | 36.4% |
| Profit Margin | 39.8% | 29.1% |
| FCF Margin | 40.0% | 33.0% |
Returns
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 15.0% | 10.5% |
| Return on Assets (ROA) | 1.57% | 1.12% |
Growth
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 9.60% | 11.8% |
| Net Income Growth (YoY) | 17.6% | 23.1% |
| EPS Growth (YoY) | 18.8% | 22.7% |
| FCF Growth (YoY) | 19.8% | 27.1% |
| Revenue Growth (3Y CAGR) | 3.20% | 5.82% |
| Revenue Growth (5Y CAGR) | 5.09% | 6.17% |
| EPS Growth (3Y CAGR) | -0.25% | 1.26% |
| EPS Growth (5Y CAGR) | 3.97% | 8.24% |
Balance sheet
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $194.13M | $205.54M |
| Net Cash (Debt) | $194.13M | $164.40M |
| Net Cash Per Share | $7.81 | $8.13 |
| Equity (Book Value) | $773.29M | $560.44M |
| Book Value Per Share | $31.11 | $28.47 |
| Tangible Book Value | $768.32M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $128.83M | $61.20M |
| Capital Expenditures | -$17.18M | -$4.02M |
| Free Cash Flow | $111.66M | $52.43M |
| FCF Per Share | $4.49 | $3.07 |
Efficiency
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $491.91K | $353.78K |
| Profits Per Employee | $195.82K | $107.28K |
| Employee Count | 568 | 489 |
Dividends and yields
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Earnings Yield | 7.77% | 8.07% |
| FCF Yield | 7.80% | 8.89% |
| Dividend Yield | 3.47% | 2.48% |
| Buyback Yield | 2.95% | 1.55% |
| Shareholder Yield | 6.43% | 3.13% |
| Dividend Per Share | $2.00 | $0.93 |
| Dividend Growth (YoY) | 4.17% | 4.26% |
| Years of Dividend Growth | 11 | 2 |
| Payout Ratio | 46.7% | 29.4% |
| FCF Payout Ratio | 46.5% | 26.0% |
Shares
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Shares Outstanding | 24,857,800 | 18,839,100 |
| Shares Change (YoY) | -0.80% | 0.39% |
| Shares Change (QoQ) | -0.28% | 0.00% |
| Float | 24,059,100 | 17,061,900 |
| Shares Held by Insiders | 3.21% | 5.89% |
| Shares Held by Institutions | 84.5% | 61.9% |
Taxes
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Income Tax | $24.45M | $14.50M |
| Effective Tax Rate | 18.0% | 21.1% |
Scores
| Measure | Lakeland Financial | Industry median |
|---|---|---|
| Graham Number | $55.24 | $45.31 |
| Graham Upside | -4.03% | 21.6% |
| Altman Z-Score | 0.33 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Lakeland Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.