LKFN
Lakeland Financial Corporation
LKFN's fundamentals are strong: its operating margin rose 4 points to 49% and revenue grew 7.8%. At 14x earnings, it's trading below its usual 17x. Analysts expect earnings growth.
LKFN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
LKFN's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like LKFN.
LKFN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $62.71 | +1.4% |
| Current | 14x | $61.84 | — |
| Forward | 14x | $61.84 | — |
| Fair | 17x | $75.20 | +22% |
| Expensive | 19x | $86.18 | +39% |
Historical ranges are pointers, not guarantees.
LKFN's PE is in its cheap range at 13.8x. On analysts' estimates for next year's earnings, today's price would be 13.6x.
LKFN Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for LKFN, with profitability improving.
LKFN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.56 | +2% |
| Q3 2026 | $4.47 | +18% |
| Q2 2026 | $4.36 | +19% |
| Q1 2026 | $4.27 | +22% |
| Q4 2025 | $4.01 | +10% |
| Q3 2025 | $3.79 | -1.6% |
| Q2 2025 | $3.67 | -6.4% |
| Q1 2025 | $3.50 | -3.3% |
| Q4 2024 | $3.63 | -0.5% |
LKFN earned $4.47 per share over the past year, up 18% from the year before.
LKFN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $73M | +5.7% |
| Q2 2026 | $70.9M | +6.8% |
| Q1 2026 | $69.7M | +9.3% |
| Q4 2025 | $69.8M | +9.8% |
| Q3 2025 | $69M | +13% |
| Q2 2025 | $66.4M | -3.5% |
| Q1 2025 | $63.8M | +6.3% |
| Q4 2024 | $63.6M | -3.4% |
LKFN's revenue has grown year over year for five quarters in a row: $73M last quarter, up 5.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 49% | +2.4 points |
| Q2 2026 | 49% | -0.6 points |
| Q1 2026 | 47% | +8.7 points |
| Q4 2025 | 52% | +6.1 points |
| Q3 2025 | 46% | +1.1 points |
| Q2 2025 | 50% | +10 points |
| Q1 2025 | 38% | -8.3 points |
| Q4 2024 | 46% | -8.8 points |
LKFN's operating margin was 49% last quarter, up 2.4 points from the same quarter a year ago.
LKFN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $40.1M | +29% |
| Q2 2026 | $19.1M | +36% |
| Q1 2026 | $30M | +10% |
| Q4 2025 | $31.5M | -14% |
| Q3 2025 | $31.1M | +103% |
| Q2 2025 | $14.1M | -24% |
| Q1 2025 | $27.1M | +17% |
| Q4 2024 | $36.7M | +44% |
LKFN's free cash flow was $121M over the past year, up 11% from the year before. Free cash flow isn't a meaningful measure for financial services companies like LKFN.
LKFN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +6.3K shares |
| 1 year | -2.3% | -583K shares |
| 3 years | -1.8% | -456K shares |
| 5 years | -1.6% | -397K shares |
| Available history | -2% | -521K shares |
LKFN has 25M diluted shares, down 2.3% from a year ago, with $45M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.7M |
| Q2 2026 | $4.3M |
| Q1 2026 | $19.6M |
| Q4 2025 | $18.2M |
| Q3 2025 | $224,000 |
| Q2 2025 | $1.8M |
| Q1 2025 | $215,000 |
| Q4 2024 | $86,000 |
LKFN spent $45M buying back its own shares over the past year, more than ten times what it spent the year before.
LKFN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -1.4x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -2.5x | Net Cash |
| Q1 2025 | -1.1x | Net Cash |
| Q4 2024 | -1.4x | Net Cash |
LKFN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like LKFN.
LKFN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.6 | Neutral |
| Stochastic | 62.6 | Neutral |
LKFN's weekly RSI is 56 (neutral) and its Stochastic is 63 (neutral).
LKFN PE vs Financial Services Sector
| Metric | LKFN | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.2% above |
| PE % | 14 | 63 | 49 pts below |
LKFN is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
LKFN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $59.4 | 4.2% above |
| 20 week MA | $60.5 | 2.3% above |
| 50 week MA | $59.8 | 3.4% above |
| 100 week MA | $61.1 | 1.2% above |
| 200 week MA | $61.0 | 1.5% above |
LKFN is in an uptrend: it's above all five of its weekly moving averages, and 1.5% above its 200-week average.
LKFN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.8 | $52.5 | +7.5% |
| 2021 | $52.5 | $78.0 | +49% |
| 2022 | $78.0 | $73.8 | -5.4% |
| 2023 | $73.8 | $65.2 | -12% |
| 2024 | $65.2 | $68.8 | +5.5% |
| 2025 | $68.8 | $58.8 | -15% |
| 2026 YTD | $58.8 | $61.8 | +5.3% |
LKFN has finished lower in three of the last six years. It's up 5.3% so far in 2026.