Lakeland Financial Corp (LKFN)
Operating cash flow minus capital spending left $103.8M of free cash flow in fiscal 2025. At September 30, 2026 it held $115.8M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 28, 2026.
Key facts about Lakeland Financial Corp
- Net worth
- Lakeland Financial Corp has a market value (market cap) of $1.5B at the latest share price, and shareholders' equity of $732M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $114.9M of cash; after $11.1M of capital spending, free cash flow was $103.8M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 28, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Lakeland Financial Corp's next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Lakeland Financial Corp declared dividends of $2.00 per share in fiscal 2025, a yield of 3.22% at the current price.
What Lakeland Financial Corp does
Lakeland Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker LKFN.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $103.4M | $4.01 | $103.8M |
| 2024 | n/a | $93.5M | $3.63 | $93.9M |
| 2023 | n/a | $93.8M | $3.65 | $108M |
| 2022 | n/a | $103.8M | $4.04 | $164.5M |
| 2021 | n/a | $95.7M | $3.74 | $107.6M |
| 2020 | n/a | $84.3M | $3.30 | $81.5M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Lakeland Financial Corp declared $2.00 per share in fiscal 2025. At the current price that is a yield of 3.22%. It paid out $51.4M in cash dividends, 50% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $2.00 | $51.4M | 50% |
| 2024 | $1.92 | $49.3M | 53% |
| 2023 | $1.84 | $47.1M | 50% |
| 2022 | $1.60 | $40.8M | 39% |
| 2021 | $1.36 | $34.6M | 36% |
| 2020 | $1.20 | $30.6M | 36% |
Latest SEC filings
What Lakeland Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 28, 2026
- October 26, 2026
- October 26, 2026
- October 13, 2026
- August 5, 2026
- July 31, 2026Passive stake (5% or more) SCHEDULE 13G
- July 27, 2026
- July 27, 2026
- July 14, 2026
- June 16, 2026
What is LKFN worth? A DCF from its reported cash flow
Insider trades
What the people running Lakeland Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $117.2K and sold $1.4M worth of shares in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 6, 2026 | Bartels Robert E JrDirector | Bought | 1,918 | $117.2K |
| November 5, 2026 | Bartels Robert E JrDirector | Gave as a gift | 1,918 | - |
| October 29, 2026 | Truex Melinda JoDirector | Soldindirect | 22,500 | $1.4M |
| August 5, 2026 | Robinson-Gay DonaldSenior Vice President | Sold | 500 | $31.5K |
| July 30, 2026 | Clark Kyra ESenior Vice President | Sold | 250 | $15.8K |
| May 29, 2026 | Toothaker Bradley JDirector | Sold | 5,900 | $357.7K |
| May 6, 2026 | Ross Steven DDirector | Sold | 1,281 | $80.1K |
| May 5, 2026 | Ross Steven DDirector | Sold | 19 | $1.2K |
Who owns LKFN
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Neuberger Berman Group LLC13G, passive with 1 related filers | 5.9% | July 21, 2025 |
| Vanguard Capital Management13G, passive | 5.03% | July 31, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 255 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 3,639,015 | +102,649 |
| Neuberger Berman Group LLC | 2,175,765 | +10,368 |
| State Street Corp | 1,428,098 | +49,399 |
| Vanguard Capital Management LLC | 1,065,329 | -32,714 |
| Charles Schwab Investment Management Inc | 940,862 | +71,594 |
| Dimensional Fund Advisors LP | 687,078 | +14,907 |
| Fuller & Thaler Asset Management, Inc. | 679,655 | +351,573 |
| Geode Capital Management, LLC | 661,616 | +24,828 |
| Vanguard Portfolio Management LLC | 598,952 | +25,224 |
| Silvercrest Asset Management Group LLC | 588,817 | -47,300 |
| Neumeier Poma Investment Counsel LLC | 497,399 | +19,235 |
| Two Sigma Investments, LP | 417,612 | +60,971 |
| American Century Companies Inc | 355,466 | +239,681 |
| Raymond James Financial Inc | 300,208 | +3,623 |
| Boston Trust Walden Corp | 293,880 | -10,062 |
| Ameriprise Financial Inc | 292,152 | -2,696 |
| Northern Trust Corp | 271,574 | -47,359 |
| Fmr LLC | 252,764 | +22,737 |
| Citadel Advisors LLC | 242,114 | +52,239 |
| Qube Research & Technologies Ltd | 241,188 | +46,095 |
Insiders
22 insiders reported holding 734,336 shares in total, about $45.7M at the last price.
| Holder | Shares |
|---|---|
| Welch M ScottDirector | 213,913212,006 held indirectly |
| Findlay David MCEO | 129,09915,181 held indirectly |
| Smith Brian JDirector | 42,085 |
| O'Neill Lisa MEVP & CFO | 41,2554,289 held indirectly |
| Pruitt KristinPresident | 36,96310,403 held indirectly |
| Ottinger Eric HExecutive Vice President | 36,4193,162 held indirectly |
| Truex Melinda JoDirector | 36,135 |
| Bartels Robert E JrDirector | 30,376 |
| Ross Steven DDirector | 27,001 |
| Pichon Emily EDirector | 20,138 |
Questions about LKFN
What does Lakeland Financial Corp do?
Lakeland Financial Corp is a company in the Finance sector, listed on NASDAQ as LKFN. Its shares trade on NASDAQ under the ticker LKFN.
What is Lakeland Financial Corp's net worth?
Lakeland Financial Corp has a market value (market cap) of $1.5B at the latest share price, and shareholders' equity of $732M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Lakeland Financial Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $113.7M.
When did Lakeland Financial Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 28, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the insider trade from November 9, 2026.
When is Lakeland Financial Corp's next earnings report?
Lakeland Financial Corp's next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Lakeland Financial Corp pay a dividend?
Yes. Lakeland Financial Corp declared dividends of $2.00 per share in fiscal 2025, a yield of 3.22% at the current price.
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Where the numbers come from
Financial figures are the values Lakeland Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.