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Lakeland Financial Corporation (LKFN)

Financial Services | Banks - Regional | Warsaw, United States | NasdaqGS
59.61 USD +0.42 (0.710%) ⇧ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 59.61
Short-term:★★★☆☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take ↕ | Aug. 22, 2026, 3:13 a.m. EDT

Lakeland Financial presents a compelling case for a core holding, driven by a robust recovery in business fundamentals and a resilient balance sheet. Over the last nine years, the stock has delivered a cumulative gain of +91.33%, underpinned by seven out of nine years of positive annual growth. Crucially, the most recent year saw earnings rise by +7.63%, ending a streak of consecutive declines and signaling that the company has successfully navigated previous headwinds. With a return on equity near 15% and a payout ratio of just 47%, the company retains ample capital for reinvestment while offering a generous 3.44% dividend yield that has been consistently increased over the past few years. While the short-term technical picture shows some weakness, trading below its 50-day moving average, the underlying economic moat and recent operational improvements suggest the market may be pricing in excessive caution. This makes it a solid buy-and-hold candidate for investors seeking income and steady appreciation.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.026658
MSTL0.033805
AutoETS0.037188
AutoARIMA0.037190

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 56%
H-stat 7.98
Ljung-Box p 0.000
Jarque-Bera p 0.645
Excess Kurtosis -0.62
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-23
Last Dividend Date 2026-07-23
Revenue per Share 10.762
Market Cap 1,481,775,872
Trailing P/E 13.58
Forward P/E 13.22
Beta 0.72
Profit Margins 40.64%
Website https://www.lakecitybank.com

As of Aug. 22, 2026, 3:13 a.m. EDT: Options activity is extremely sparse with negligible open interest across both calls and puts. Implied volatility is elevated relative to the low volume, suggesting uncertainty rather than a specific directional bet. The lack of significant positioning indicates speculators are largely on the sidelines.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.85% 3.41% 3.26% 2.92%
Dividend History
Date Dividend Yield %
2026-07-24 0.520000 0.850925
2026-04-24 0.520000 0.871168
2026-01-23 0.520000 0.883903
2025-10-24 0.500000 0.808407
2025-07-25 0.500000 0.757346
2025-04-25 0.500000 0.934579
2025-01-24 0.500000 0.722335
2024-10-25 0.480000 0.763480
2024-07-25 0.480000 0.678445
2024-04-24 0.480000 0.766284
2024-01-24 0.480000 0.758054
2023-10-24 0.460000 0.981019
2023-07-24 0.460000 0.824964
2023-04-24 0.460000 0.819380
2023-01-24 0.460000 0.627130
2022-10-24 0.400000 0.522125
2022-07-22 0.400000 0.568263
2022-04-22 0.400000 0.523560
2022-01-24 0.400000 0.492429
2021-10-22 0.340000 0.435116
2021-07-22 0.340000 0.604767
2021-04-22 0.340000 0.506480
2021-01-22 0.340000 0.567045
2020-10-22 0.300000 0.624480
2020-07-23 0.300000 0.653595
2020-04-23 0.300000 0.826446
2020-01-23 0.300000 0.625782
2019-10-24 0.300000 0.659486
2019-07-24 0.300000 0.666519
2019-04-24 0.300000 0.638842
2019-01-24 0.260000 0.586114
2018-10-24 0.260000 0.659564
2018-07-24 0.260000 0.527919
2018-04-24 0.260000 0.530829
2018-01-24 0.220000 0.440705
2017-10-24 0.220000 0.448522
2017-07-21 0.220000 0.486510
2017-04-21 0.220000 0.498753
2017-01-23 0.190000 0.433790
2016-10-21 0.190000 0.547077
2016-07-21 0.186667 0.569570
2016-04-21 0.186667 0.609094
2016-01-21 0.163333 0.609300
2015-10-21 0.163333 0.544201
2015-07-22 0.163333 0.553171
2015-04-22 0.163333 0.608241
2015-01-21 0.140000 0.521999
2014-10-22 0.140000 0.551036
2014-07-23 0.140000 0.583333
2014-04-23 0.140000 0.560000
2014-01-22 0.126667 0.504248
2013-10-23 0.126667 0.544414
2013-07-23 0.126667 0.610345
2013-04-23 0.126667 0.741610
2012-12-14 0.113333 0.697577
2012-10-23 0.113333 0.646386
2012-07-23 0.113333 0.645404
2012-04-23 0.113333 0.687144
2012-01-23 0.103333 0.575351
2011-10-21 0.103333 0.669255
2011-07-21 0.103333 0.654006
2011-04-20 0.103333 0.728381
2011-01-21 0.103333 0.685535
2010-10-21 0.103333 0.812792
2010-07-21 0.103333 0.821843
2010-04-21 0.103333 0.745548
2010-01-21 0.103333 0.903787
2009-10-21 0.103333 0.737742
2009-07-22 0.103333 0.813219
2009-04-22 0.103333 0.802690
2009-01-21 0.103333 0.746986
2008-10-22 0.103333 0.778892
2008-07-23 0.103333 0.734247
2008-04-23 0.103333 0.702309
2008-01-23 0.093333 0.692039
2007-10-23 0.093333 0.691014
2007-07-23 0.093333 0.595743
2007-04-23 0.093333 0.615382
2007-01-23 0.083333 0.507303
2006-10-23 0.083333 0.496818
2006-07-21 0.083333 0.554076
2006-04-19 0.083333 0.525208
2006-01-06 0.076667 0.565669
2005-10-05 0.076667 0.588991
2005-07-06 0.076667 0.571431
2005-04-06 0.076667 0.621624
2005-01-06 0.070000 0.529634
2004-10-06 0.070000 0.608343
2004-07-07 0.070000 0.640635
2004-04-06 0.070000 0.629308
2004-01-07 0.063333 0.516442
2003-10-08 0.063333 0.555066
2003-07-08 0.063333 0.589144
2003-04-08 0.063333 0.765508
2003-01-08 0.056667 0.737212
2002-10-08 0.056667 0.694165
2002-07-08 0.056667 0.580604
2002-04-08 0.056667 0.813402
2002-01-08 0.050000 0.859107
2001-10-05 0.050000 0.925926
2001-07-06 0.050000 0.993378
2001-04-06 0.050000 1.016949
2001-01-08 0.043333 0.954121
2000-10-05 0.043333 1.168530
2000-07-06 0.043333 1.083325
2000-04-06 0.043333 0.981124
2000-01-06 0.030000 0.592593
1999-10-06 0.030000 0.514286
1999-07-07 0.030000 0.514286
1999-04-07 0.030000 0.500000
1999-01-06 0.030000 0.481605
1998-10-07 0.030000 0.473684
1998-07-08 0.030000 0.382979
1998-01-07 0.025000 0.310881
1997-10-08 0.025000 0.319149
Additional Data
dividendRate 2.08
dividendYield 3.49
exDividendDate 2026-07-24
trailingAnnualDividendRate 2.06
trailingAnnualDividendYield 0.034803174
lastDividendValue 0.52
lastDividendDate 2026-07-24
dividendDate 2026-08-05

Info Dump

Attribute Value
52 Week Change -0.11610323
Address1 202 East Center Street
Address2 P.O. Box 1387
All Time High 85.71
All Time Low 3.4375
Ask 76.37
Ask Size 2
Audit Risk 8
Average Daily Volume10 Day 133,480
Average Daily Volume3 Month 195,553
Average Volume 195,553
Average Volume10Days 133,480
Beta 0.715
Bid 42.56
Bid Size 2
Board Risk 4
Book Value 31.107
City Warsaw
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 7
Country United States
Crypto Tradeable 0
Currency USD
Current Price 59.61
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 60.165
Day Low 59.22
Display Name Lakeland Financial
Dividend Date 1,785,888,000
Dividend Rate 2.08
Dividend Yield 3.49
Earnings Growth 0.087
Earnings Quarterly Growth 0.055
Earnings Timestamp 1,793,017,800
Earnings Timestamp End 1,793,017,800
Earnings Timestamp Start 1,793,017,800
Ebitda Margins 0.0
Enterprise To Revenue 4.99
Enterprise Value 1,365,627,904
Eps Current Year 4.382
Eps Forward 4.508
Eps Trailing Twelve Months 4.39
Esg Populated 0
Ex Dividend Date 1,784,851,200
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 61.5268
Fifty Day Average Change -1.9167976
Fifty Day Average Change Percent -0.031153867
Fifty Two Week Change Percent -11.610323
Fifty Two Week High 68.55
Fifty Two Week High Change -8.940002
Fifty Two Week High Change Percent -0.13041578
Fifty Two Week Low 54.36
Fifty Two Week Low Change 5.25
Fifty Two Week Low Change Percent 0.09657837
Fifty Two Week Range 54.36 - 68.55
Financial Currency USD
First Trade Date Milliseconds 871,565,400,000
Five Year Avg Dividend Yield 2.76
Float Shares 24,006,708
Forward Eps 4.508
Forward P E 13.223159
Full Exchange Name NasdaqGS
Full Time Employees 695
Fullday Change 0.420002
Fullday Change Percent 0.709583
Fullday Price 59.61
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 273,694,016
Has Pre Post Market Data 1
Held Percent Insiders 0.028299998
Held Percent Institutions 0.88225
Implied Shares Outstanding 24,857,840
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website http://www.snl.com/irweblinkx/corporateprofile.aspx?IID=100608
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,784,851,200
Last Dividend Value 0.52
Last Fiscal Year End 1,767,139,200
Last Split Date 1,470,614,400
Last Split Factor 3:2
Long Business Summary Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. It also offers loan products, including commercial and industrial, commercial real estate and multi-family residential, construction, agri-business and agricultural, consumer 1-4 family mortgage, and other commercial and consumer loans. In addition, the company provides retail and merchant credit card services; corporate treasury management services, private banking, and wealth advisory; retail brokerage services comprising financial and investment products, annuities, and life insurance; and trust and fiduciary services, and estate and financial planning consulting services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. The company was founded in 1872 and is headquartered in Warsaw, Indiana.
Long Name Lakeland Financial Corporation
Market us_market
Market Cap 1,481,775,872
Market State CLOSED
Max Age 86,400
Message Board Id finmb_390846
Most Recent Quarter 1,782,777,600
Net Income To Common 111,228,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,471,086,971
Number Of Analyst Opinions 4
Open 59.36
Operating Cashflow 128,834,000
Operating Margins 0.51455003
Overall Risk 4
Payout Ratio 0.4679
Peg Ratio 1.44
Phone 574 267 6144
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 59.61
Post Market Time 1,787,947,805
Previous Close 59.19
Price Eps Current Year 13.603377
Price Hint 2
Price To Book 1.916289
Price To Sales Trailing12 Months 5.413987
Profit Margins 0.4064
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.420002
Regular Market Change Percent 0.709583
Regular Market Day High 60.165
Regular Market Day Low 59.22
Regular Market Day Range 59.22 - 60.165
Regular Market Open 59.36
Regular Market Previous Close 59.19
Regular Market Price 59.61
Regular Market Time 1,787,947,201
Regular Market Volume 128,314
Return On Assets 0.01566
Return On Equity 0.14997
Revenue Growth 0.092
Revenue Per Share 10.762
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 24,857,840
Shares Percent Shares Out 0.0916
Shares Short 2,277,076
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 2,201,983
Short Name Lakeland Financial Corporation
Short Percent Of Float 0.1126
Short Ratio 14.36
Source Interval 15
State IN
Symbol LKFN
Target High Price 67.0
Target Low Price 66.0
Target Mean Price 66.5
Target Median Price 66.5
Total Cash 194,126,000
Total Cash Per Share 7.809
Total Debt 77,889,000
Total Revenue 273,694,016
Tradeable 0
Trailing Annual Dividend Rate 2.06
Trailing Annual Dividend Yield 0.034803174
Trailing Eps 4.39
Trailing P E 13.5785885
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 59.76615
Two Hundred Day Average Change -0.15615082
Two Hundred Day Average Change Percent -0.0026126965
Type Disp Equity
Volume 128,314
Website https://www.lakecitybank.com
Zip 46,581-1387