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Lakeland Financial Corporation (LKFN)

Financial Services | Banks - Regional | Warsaw, United States | NasdaqGS
57.91 USD +0.89 (1.561%) ⇧ (Oct. 15, 2026, 4 p.m. EDT)
Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 7:37 a.m. EDT

Lakeland Financial presents a compelling value case for patient capital, anchored by a robust recovery in fundamentals and a resilient balance sheet. The stock has successfully navigated a multi-year correction, posting a +72% cumulative gain over the last nine years, though it recently faced a single year of flat-to-negative performance. This dip has compressed the valuation significantly, trading at a forward P/E of roughly 12.6x with healthy revenue growth of 9.2% and an impressive 51.5% operating margin. The payout ratio of 47% suggests the 3.6% dividend yield is sustainable and likely to grow, offering a nice cushion against inflation. However, the short-term outlook remains muted. The recent price action shows the stock struggling to break above its 50-day moving average, currently trading below key technical supports. While the statistical forecast models a slight upward drift, this is a weak signal that fails to overcome the immediate technical resistance. Without a catalyst to spark renewed momentum, the stock is likely to remain range-bound in the near term. For investors, this is a 'buy on weakness' scenario rather than a momentum play; the long-term thesis is strong, but the path to the upside may be slow.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.034317
MSTL0.036015
AutoTheta0.040049
AutoARIMA0.043501

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 53%
H-stat 19.58
Ljung-Box p 0.000
Jarque-Bera p 0.281
Excess Kurtosis -0.91
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-23
Last Dividend Date 2026-07-23
Revenue per Share 10.762
Market Cap 1,439,517,568
Trailing P/E 13.28
Forward P/E 12.85
Beta 0.76
Profit Margins 40.64%
Website https://www.lakecitybank.com

As of Oct. 10, 2026, 7:37 a.m. EDT: Options activity is extremely thin with negligible open interest and volume across both calls and puts. Implied volatility is flat and low, indicating a lack of speculative positioning or hedging activity. The market appears indifferent to near-term directional moves.

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
dividendYield 3.6
exDividendDate 2026-07-24
trailingAnnualDividendRate 2.06
trailingAnnualDividendYield 0.03612767
lastDividendValue 0.52
lastDividendDate 2026-07-24
dividendDate 2026-08-05

Info Dump

Attribute Value
52 Week Change -0.031119287
Address1 202 East Center Street
Address2 P.O. Box 1387
All Time High 85.71
All Time Low 3.4375
Ask 57.97
Ask Size 1
Audit Risk 8
Average Analyst Rating 3.0 - Hold
Average Daily Volume10 Day 238,920
Average Daily Volume3 Month 179,881
Average Volume 179,881
Average Volume10Days 238,920
Beta 0.762
Bid 42.03
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 57.91
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 58.37
Day Low 57.36
Display Name Lakeland Financial
Dividend Date 1,785,888,000
Dividend Yield 3.6
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 4.835
Enterprise Value 1,323,369,472
Eps Current Year 4.378
Eps Forward 4.508
Eps Trailing Twelve Months 4.36
Esg Populated 0
Ex Dividend Date 1,784,851,200
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 59.6262
Fifty Day Average Change -1.7162018
Fifty Day Average Change Percent -0.028782679
Fifty Two Week Change Percent -3.1119287
Fifty Two Week High 64.55
Fifty Two Week High Change -6.640003
Fifty Two Week High Change Percent -0.10286604
Fifty Two Week Low 54.36
Fifty Two Week Low Change 3.5499992
Fifty Two Week Low Change Percent 0.06530536
Fifty Two Week Range 54.36 - 64.55
Financial Currency USD
First Trade Date Milliseconds 871,565,400,000
Five Year Avg Dividend Yield 2.71
Float Shares 24,021,871
Forward Eps 4.508
Forward P E 12.846052
Full Exchange Name NasdaqGS
Full Time Employees 695
Fullday Change 0.8899994
Fullday Change Percent 1.5608548
Fullday Price 57.91
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 273,694,016
Has Pre Post Market Data 1
Held Percent Insiders 0.027929999
Held Percent Institutions 0.88259006
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 1,439,517,568
Market State PRE
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 1,450,703,542
Number Of Analyst Opinions 4
Open 57.36
Operating Cashflow 128,834,000
Operating Margins 0.51455003
Overall Risk 4
Payout Ratio 0.4679
Peg Ratio 1.44
Phone 574 267 6144
Previous Close 57.02
Price Eps Current Year 13.227502
Price Hint 2
Price To Book 1.8616388
Price To Sales Trailing12 Months 5.2595873
Profit Margins 0.4064
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 3.0
Region US
Regular Market Change 0.889999
Regular Market Change Percent 1.56085
Regular Market Day High 58.37
Regular Market Day Low 57.36
Regular Market Day Range 57.36 - 58.37
Regular Market Open 57.36
Regular Market Previous Close 57.02
Regular Market Price 57.91
Regular Market Time 1,792,094,401
Regular Market Volume 360,630
Return On Assets 0.01566
Return On Equity 0.14997
Revenue Growth 0.092
Revenue Per Share 10.762
Sand P52 Week Change 0.16207206
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 0.1
Shares Short 2,484,880
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 2,356,600
Short Name Lakeland Financial Corporation
Short Percent Of Float 0.1229
Short Ratio 13.06
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 0.03612767
Trailing Eps 4.36
Trailing P E 13.282109
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 59.80485
Two Hundred Day Average Change -1.8948517
Two Hundred Day Average Change Percent -0.031683914
Type Disp Equity
Volume 360,630
Website https://www.lakecitybank.com
Zip 46,581-1387