Lakeland Financial (LKFN) Stock Price

Lakeland Financial Price

NASDAQ·CLOSED
62.57USD-1.22 (-1.93 %)
Market closed

Revenue has compounded at 7.3% per year over the past 19 years to 268.99 M USD. Earnings per share have grown at 7.4% per year over the last 19 years. Lakeland Financial's net margin stands at 38.4%, down from 43.0% several years earlier. Lakeland Financial currently offers a dividend yield of about 3.20%. The payout ratio is around 50% of earnings. The dividend has grown at 5.4% per year over the past 19 years. Analysts set a median price target of 67.83 USD, implying 8.4% above the current price. Of 10 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 14% above its 52-week low.

Lakeland Financial stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Lakeland Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Lakeland Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Lakeland Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Lakeland Financial Stock Price History
DateLakeland Financial Price
7/30/202662.57 USD
7/29/202663.79 USD
7/27/202661.40 USD
7/23/202661.12 USD
7/22/202661.31 USD
7/21/202662.11 USD
7/20/202662.03 USD
7/17/202662.68 USD
7/16/202663.61 USD
7/15/202661.63 USD
7/14/202660.56 USD
7/13/202660.60 USD
7/10/202660.40 USD
7/9/202659.85 USD
7/8/202661.25 USD
7/7/202661.57 USD
7/6/202661.97 USD
7/2/202662.40 USD
7/1/202663.12 USD
6/30/202661.72 USD
6/29/202660.74 USD
6/26/202662.68 USD
6/25/202661.64 USD
6/24/202661.54 USD
6/23/202661.27 USD
6/22/202660.09 USD
6/18/202660.06 USD
6/17/202660.64 USD
6/16/202660.86 USD
6/15/202661.52 USD
6/12/202661.09 USD
6/11/202660.58 USD
6/10/202660.92 USD
6/9/202660.37 USD
6/8/202659.68 USD
6/5/202659.55 USD
6/4/202659.21 USD
6/3/202658.62 USD
6/2/202660.02 USD
6/1/202659.22 USD
5/29/202660.81 USD
5/28/202659.60 USD
5/27/202660.54 USD
5/26/202660.34 USD
5/22/202660.32 USD
5/21/202659.76 USD
5/20/202659.58 USD
5/19/202658.27 USD
5/18/202657.87 USD
5/15/202657.26 USD
5/14/202658.17 USD
5/13/202658.11 USD
5/12/202659.79 USD
5/11/202660.06 USD
5/8/202661.55 USD
5/7/202662.60 USD
5/6/202662.32 USD
5/5/202662.18 USD
5/4/202660.71 USD
5/1/202661.38 USD
4/30/202660.52 USD
4/29/202659.58 USD
4/28/202661.67 USD
4/27/202661.55 USD
4/24/202659.69 USD
4/23/202660.03 USD
4/22/202659.60 USD
4/21/202660.17 USD
4/20/202661.36 USD
4/17/202661.32 USD
4/16/202659.87 USD
4/15/202659.94 USD
4/14/202660.76 USD
4/13/202660.96 USD
4/10/202660.88 USD
4/9/202661.14 USD
4/8/202660.09 USD
4/7/202658.96 USD
4/6/202658.37 USD
4/2/202658.12 USD
4/1/202658.02 USD
3/31/202657.38 USD
3/30/202656.57 USD
3/27/202656.51 USD
3/26/202656.96 USD
3/25/202656.80 USD
3/24/202657.28 USD
3/23/202656.79 USD
3/20/202655.30 USD
3/19/202655.72 USD
3/18/202655.72 USD
3/17/202656.45 USD
3/16/202656.99 USD
3/13/202656.70 USD
3/12/202656.58 USD
3/11/202656.75 USD
3/10/202656.72 USD
3/9/202656.50 USD
3/6/202656.88 USD
3/5/202657.60 USD
3/4/202658.79 USD
3/3/202658.32 USD
3/2/202658.67 USD
2/27/202658.09 USD
2/26/202660.04 USD
2/25/202659.34 USD
2/24/202658.02 USD
2/23/202658.66 USD
2/20/202660.23 USD
2/19/202660.50 USD
2/18/202660.85 USD
2/17/202661.61 USD
2/13/202661.41 USD
2/12/202660.89 USD
2/11/202660.72 USD
2/10/202661.57 USD
2/9/202662.40 USD
2/6/202662.62 USD
2/5/202662.30 USD
2/4/202662.52 USD
2/3/202661.97 USD
2/2/202660.76 USD
1/30/202659.60 USD
1/29/202659.25 USD
1/28/202658.13 USD
1/27/202660.02 USD
1/26/202661.30 USD
1/23/202658.83 USD
1/22/202660.85 USD
1/21/202661.28 USD
1/20/202658.80 USD
1/16/202659.33 USD
1/15/202659.47 USD
1/14/202659.14 USD
1/13/202657.10 USD
1/12/202656.88 USD
1/9/202657.13 USD
1/8/202657.57 USD
1/7/202655.88 USD
1/6/202657.58 USD
1/5/202657.50 USD
1/2/202656.46 USD
12/31/202557.06 USD
12/30/202557.40 USD
12/29/202558.43 USD
12/26/202558.75 USD
12/24/202559.11 USD
12/23/202559.35 USD
12/22/202559.73 USD
12/19/202559.31 USD
12/18/202559.75 USD
12/17/202560.18 USD
12/16/202559.90 USD
12/15/202559.94 USD
12/12/202559.62 USD
12/11/202559.85 USD
12/10/202559.34 USD
12/9/202558.18 USD
12/8/202558.64 USD
12/5/202558.27 USD
12/4/202558.87 USD
12/3/202559.18 USD
12/2/202558.23 USD
12/1/202558.78 USD
11/28/202558.26 USD
11/26/202558.73 USD
11/25/202559.25 USD
11/24/202558.13 USD
11/21/202558.88 USD
11/20/202556.92 USD
11/19/202557.24 USD
11/18/202556.30 USD
11/17/202556.43 USD
11/14/202558.22 USD
11/13/202558.25 USD
11/12/202558.33 USD
11/11/202558.74 USD
11/10/202558.06 USD
11/7/202557.89 USD
11/6/202557.43 USD
11/5/202558.31 USD
11/4/202557.44 USD
11/3/202557.59 USD
10/31/202557.05 USD
10/30/202557.23 USD
10/29/202556.79 USD
10/28/202558.22 USD
10/27/202558.67 USD
10/24/202561.86 USD
10/23/202560.64 USD
10/22/202561.11 USD
10/21/202561.30 USD
10/20/202560.77 USD
10/17/202559.78 USD
10/16/202558.73 USD
10/15/202561.85 USD
10/14/202563.88 USD
10/13/202561.92 USD
10/10/202561.05 USD
10/9/202562.99 USD
10/8/202563.30 USD
10/7/202563.44 USD
10/6/202564.20 USD
10/3/202563.89 USD
10/2/202563.17 USD
10/1/202563.47 USD
9/30/202564.20 USD
9/29/202564.95 USD
9/28/202564.95 USD
9/25/202565.77 USD
9/24/202564.44 USD
9/23/202565.08 USD
9/22/202564.97 USD
9/19/202565.56 USD
9/18/202566.71 USD
9/17/202564.61 USD
9/16/202563.98 USD
9/15/202564.48 USD
9/12/202565.03 USD
9/11/202565.73 USD
9/10/202565.77 USD
9/9/202566.54 USD
9/8/202567.99 USD
9/5/202567.94 USD
9/4/202567.19 USD
9/3/202566.54 USD
9/2/202567.44 USD
8/29/202568.45 USD
8/28/202568.73 USD
8/27/202568.38 USD
8/26/202567.85 USD
8/25/202567.15 USD
8/22/202567.49 USD
8/21/202564.13 USD
8/20/202563.99 USD
8/19/202563.53 USD
8/18/202563.43 USD
8/15/202562.24 USD
8/14/202562.87 USD
8/13/202563.40 USD
8/12/202562.37 USD
8/11/202560.32 USD
8/8/202560.78 USD
8/7/202560.25 USD
8/6/202561.07 USD
8/5/202562.00 USD
8/4/202561.84 USD
Access this data via the Eulerpool API

Lakeland Financial Revenue, Pre-Provision Profit, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
197.99 M USD
91.99 M USD
84.34 M USD
Jan 1, 2021
222.81 M USD
118.51 M USD
95.73 M USD
Jan 1, 2022
244.75 M USD
134.55 M USD
103.82 M USD
Jan 1, 2023
197.04 M USD
66.32 M USD
93.77 M USD
Jan 1, 2024
253.52 M USD
128.44 M USD
93.48 M USD
Jan 1, 2025
268.99 M USD
137.38 M USD
103.36 M USD
Jan 1, 2026 (e)
291.37 M USD
0.00 USD
109.01 M USD
Jan 1, 2027 (e)
304.85 M USD
0.00 USD
113.17 M USD

Lakeland Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 1, 2026, 5:40 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
135.00132.00141.00146.00163.00193.00229.00249.00228.00237.00281.00343.00430.00421.00291.00304.00
-3.57-2.226.823.5511.6418.4018.658.73-8.433.9518.5722.0625.36-2.09-30.884.47
77.7887.1289.3688.3687.1282.9076.4274.7080.2693.2583.63100.0054.8861.0561.0561.05
105.00115.00126.00129.00142.00160.00175.00186.00183.00221.00235.00343.00236.00257.00177.64185.58
87.7090.40102.30105.93118.48135.89151.27155.05163.01178.09202.89197.04196.68221.02
25.2030.7030.1023.8924.7227.8130.6234.5934.9844.7241.8656.8447.97
2.501.203.006.403.201.109.405.8516.7511.80
55.2058.3066.2061.6170.2084.4095.89100.2491.99118.51134.5566.32128.44137.38
35.0038.0043.0046.0052.0057.0080.0087.0084.0095.00103.0093.0093.00103.00109.00113.00
16.678.5713.166.9813.049.6240.358.75-3.4513.108.42-9.7110.755.833.67
0.840.510.821.191.000.851.001.161.201.701.601.841.922.002.082.30
35.48-39.2960.7845.12-15.97-15.0017.6516.003.4541.67-5.8815.004.354.174.0010.58
24.7525.0325.1925.3325.5225.7025.7525.8225.5225.6725.7525.7325.7925.7725.7725.77
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Lakeland Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Lakeland Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Lakeland Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Lakeland Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Lakeland Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Lakeland Financial stock margins

The Lakeland Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Lakeland Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Lakeland Financial.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
53.54 %
42.60 %
Jan 1, 2021
46.81 %
42.97 %
Jan 1, 2022
45.03 %
42.42 %
Jan 1, 2023
66.34 %
47.59 %
Jan 1, 2024
49.34 %
36.87 %
Jan 1, 2025
48.93 %
38.43 %
Jan 1, 2026 (e)
0.00 %
37.41 %
Jan 1, 2027 (e)
0.00 %
37.12 %

Lakeland Financial Revenue per Share, Earnings per Share

The Lakeland Financial earnings per share therefore indicates how much revenue Lakeland Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
7.76 USD
3.30 USD
Jan 1, 2021
8.68 USD
3.73 USD
Jan 1, 2022
9.50 USD
4.03 USD
Jan 1, 2023
7.66 USD
3.64 USD
Jan 1, 2024
9.83 USD
3.62 USD
Jan 1, 2025
10.44 USD
4.01 USD
Jan 1, 2026 (e)
11.55 USD
4.32 USD
Jan 1, 2027 (e)
12.09 USD
4.49 USD

Lakeland Financial business model & stock analysis

Lakeland Financial Corp was founded in 1872 and is headquartered in Indiana, USA. The company operates as a holding company for a group of banks operating under the Lake City Bank brand. Lakeland Financial Corp's business model focuses on providing banking services to retail customers, small businesses, nonprofit organizations, and government agencies. Lake City Bank operates a total of 50 branches and has over 45 cash management centers. The bank offers a wide range of banking products and services, including credit cards, deposit slips, checking accounts, savings programs, securities services, and advisory services. In addition, Lake City Bank offers various financing and investment products, such as mortgages, commercial real estate loans, personal loans, and student loans. As part of its business strategy, Lakeland Financial Corp has diversified and expanded its services to offer a broader range of financial products and services. In recent years, emphasis has been placed on technology to provide customers with a digital banking experience. Lake City Bank now offers an online and mobile banking platform. The company has also developed a wealth of tools and services to help customers manage their finances, including financial management tools and training courses. In addition to providing traditional banking services, the company also has business units that focus on specific markets and customers. For example, the Lake City Investment unit specializes in investment services such as asset management, securities services, and financial planning. The Lake City Small Business Banking unit offers services tailored to the needs of small and medium-sized businesses, such as loans, cash management tools, and online banking. Lakeland Financial Corp is proud to be a local bank deeply rooted in the community it serves. The company is heavily involved in the communities in which it operates, supporting various charities and nonprofit projects. The company is also proud to be a responsible employer that advocates for both its employees and customers. Overall, Lakeland Financial Corp is a successful financial company that offers a wide range of banking services and products to meet the financial needs of a broad range of customers. The company is committed to continuously expanding and improving its services and products to meet the needs of its customers, while maintaining the values on which it was founded.

Lakeland Financial SWOT Analysis

Strengths

Lakeland Financial Corp possesses several strengths that contribute to its success in the market. These include:

  • Strong Financial Performance: Lakeland Financial Corp has consistently demonstrated strong financial performance, achieving steady revenue growth and profitability.
  • Extensive Product Portfolio: The company offers a comprehensive range of financial products and services, catering to the diverse needs of its customers.
  • Solid Market Presence: Lakeland Financial Corp has established a strong presence in its target market, with a large customer base and a reputation for reliability.
  • Skilled Workforce: The company employs a skilled and knowledgeable workforce, capable of delivering high-quality services to its customers.

Weaknesses

Lakeland Financial Corp faces certain weaknesses that might hinder its growth and performance. These include:

  • Dependence on Local Economy: The company's operations are primarily concentrated in a specific geographic area, making it vulnerable to local economic fluctuations.
  • Reliance on Traditional Channels: Lakeland Financial Corp heavily relies on traditional banking channels, which may limit its ability to fully capitalize on digital and online banking trends.
  • Inadequate Diversification: The company's revenue streams are not well-diversified, as it heavily relies on interest income, which could pose risks in changing market conditions.
  • Competitive Pressure: Lakeland Financial Corp operates in a highly competitive industry, facing intense competition from other financial institutions.

Opportunities

Despite the challenges, Lakeland Financial Corp can leverage the following opportunities to further enhance its position in the market:

  • Expanding Market Reach: The company can explore opportunities to expand its presence into untapped markets, both geographically and demographically.
  • Digital Transformation: Lakeland Financial Corp can invest in digital technology and online platforms to offer innovative, convenient, and personalized banking experiences for its customers.
  • Product Diversification: By expanding its product offerings, Lakeland Financial Corp can attract new customers and generate additional revenue streams.
  • Strategic Partnerships: Collaborating with other financial institutions or fintech companies can enable Lakeland Financial Corp to enhance its product range and gain a competitive edge.

Threats

Lakeland Financial Corp should be mindful of potential threats that could impact its business operations and market position:

  • Economic Volatility: Fluctuations in the local and global economy can have adverse effects on the company's financial performance and customer demand.
  • Increasing Regulations: The banking industry is subject to stringent regulatory requirements, and any changes or new regulations can pose compliance challenges for Lakeland Financial Corp.
  • Cybersecurity Risks: As digital banking grows, the company must remain vigilant against cyber threats and invest in robust security measures to protect customer data.
  • Changes in Customer Behavior: Evolving customer preferences and behavior may lead to a shift in demand towards non-traditional banking services and FinTech alternatives, posing a threat to Lakeland Financial Corp's market share.

Lakeland Financial Employees

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Lakeland Financial Employees
Details
Date
Lakeland Financial Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Lakeland Financial Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Lakeland Financial historical P/E ratio, EBIT multiple, and P/S ratio

Lakeland Financial annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Lakeland Financial shares outstanding

The number of shares of Lakeland Financial was 25.77 M in 2025. This indicates how many shares Lakeland Financial is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
25.52 M Stocks
Jan 1, 2021
25.67 M Stocks
Jan 1, 2022
25.75 M Stocks
Jan 1, 2023
25.73 M Stocks
Jan 1, 2024
25.79 M Stocks
Jan 1, 2025
25.77 M Stocks
Jan 1, 2026 (e)
25.77 M Stocks
Jan 1, 2027 (e)
25.77 M Stocks

Lakeland Financial stock splits

In Lakeland Financial's history, there have been no stock splits.

Lakeland Financial Dividend History

33 years of dividend payments · 3 consecutive increases

YearAnnual DividendYoY ChangePayments
20261.56USDYTD
Jan 23, 20260.52USD 4.0%1/3
Apr 24, 20260.52USD 0.0%2/3
Jul 24, 20260.52USD 0.0%3/3
20252.00USD 4.2%
Jan 24, 20250.50USD 4.2%1/4
Apr 25, 20250.50USD 0.0%2/4
Jul 25, 20250.50USD 0.0%3/4
Oct 24, 20250.50USD 0.0%4/4
20241.92USD 4.3%
20231.84USD 15.0%
20221.60USD 5.9%
20211.70USD 41.7%
20201.20USD 3.4%
20191.16USD 16.0%
20181.00USD 17.6%
20170.85USD 14.6%

Lakeland Financial dividend history and estimates

In 2025, Lakeland Financial paid a dividend amounting to 2.00 USD. Dividend means that Lakeland Financial distributes a portion of its profits to its owners.
  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
1.20 USD
0.00 USD
Jan 1, 2021
1.70 USD
0.00 USD
Jan 1, 2022
1.60 USD
0.00 USD
Jan 1, 2023
1.84 USD
0.00 USD
Jan 1, 2024
1.92 USD
0.00 USD
Jan 1, 2025
2.00 USD
0.00 USD
Jan 1, 2026 (e)
1.56 USD
0.52 USD
Jan 1, 2027 (e)
0.00 USD
2.30 USD

Lakeland Financial dividend payout ratio

In 2025, Lakeland Financial had a payout ratio of 49.86%. The payout ratio indicates the percentage of the company's profits that Lakeland Financial distributes as dividends.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
36.31 %
Jan 1, 2021
45.58 %
Jan 1, 2022
39.69 %
Jan 1, 2023
50.50 %
Jan 1, 2024
52.98 %
Jan 1, 2025
49.86 %
Jan 1, 2026 (e)
48.12 %
Jan 1, 2027 (e)
51.34 %

Current Lakeland Financial forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.75 %
Buy
60.00 % (6)
Hold
40.00 % (4)
Sell
0.00 % (0)
12M Price Target
67.83
Last Price
62.57
Currency
USD
12M Return Potential
8.41 %
LTM Return
0 %

Lakeland Financial Analyst Rating Actions

DateFirmActionRating
1/7/2026
Hovde Group
Hovde Group
DowngradeOutperformMarket Perform
10/28/2025
Raymond James
Raymond James
MaintainedOutperform
10/28/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
7/28/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
5/6/2025
Hovde Group
Hovde Group
UpgradeMarket PerformOutperform
4/28/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
1/27/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
7/29/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
1/26/2024
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight
1/26/2024
Raymond James
Raymond James
MaintainedOutperform

Lakeland Financial Earnings Estimates

DateEPS estimateRevenue EstimateQuarterly report
7/27/20261.11USD73.59 MUSD2026 Q2
4/27/20261.03USD71.79 MUSD2026 Q1
1/26/20261.08USD70.89 MUSD2025 Q4
4/23/20240.86USD60.55 MUSD2024 Q1
1/23/20240.91USD60.98 MUSD2023 Q4
7/24/20231.11USD68.43 MUSD2023 Q2
4/24/20231.09USD67.39 MUSD2023 Q1
1/23/20231.15USD67.58 MUSD2022 Q4
10/25/20221.05USD64.02 MUSD2022 Q3
7/25/20220.97USD60.32 MUSD2022 Q2
...

EESG©

Eulerpool ESG Scorecard© for the Lakeland Financial stock

36/100
4
Environment
41
Social
64
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Lakeland Financial shareholder structure

% Name
14.02207%
BLACKROCK, INC.
BLACKROCK, INC.
8.58603%
NEUBERGER BERMAN GROUP LLC
NEUBERGER BERMAN GROUP LLC
5.46669%
STATE STREET CORP
STATE STREET CORP
4.35386%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
3.44674%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
2.66523%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
...

Lakeland Financial Beneficial Ownership Filings (SEC 13D/G)

Free Float
96.5%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
14.50%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
13.50%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
9.43%
FMR LLC
FMR LLC
SEC ↗
9.43%
Edward C. Johnson 3d
Edward C. Johnson 3d
SEC ↗
6.40%
2.
2.
SEC ↗
6.27%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
5.90%
Neuberger Berman Group LLC
Neuberger Berman Group LLC
SEC ↗
5.90%
BlackRock for purposes of Schedule 13G filings.
BlackRock for purposes of Schedule 13G filings.
SEC ↗
5.82%
Neuberger Berman Investment Advisers LLC
Neuberger Berman Investment Advisers LLC
SEC ↗
5.30%
STATE STREET CORPORATION
STATE STREET CORPORATION
SEC ↗

Lakeland Financial Executives and Management Board

DF

Mr. David Findlay

(63)

Chairman of the Board, Chief Executive Officer · since 2000

Compensation2.05 M USD
KP

Ms. Kristin Pruitt

(53)

President, Director · since 2011

Compensation1.26 M USD
EO

Mr. Eric Ottinger

(54)

Executive Vice President, Chief Commercial Banking Officer · since 2011

Compensation931,546.00 USD
LO

Ms. Lisa O'neill

(57)

Chief Financial Officer, Executive Vice President

Compensation880,156.00 USD
JD

Mr. J. Rickard Donovan

(56)

Senior Vice President, General Counsel, Corporate Secretary

Compensation575,498.00 USD

Lakeland Financial Supply Chain

Lakeland Financial Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
2 companies
#Name1M3M6M1Y2YTrend
1
Touchstar
Supplier
0.12
0.12
0.48
-0.08
0.78
2
BlackRock
Supplier
0.77
0.46
0.49
-0.26
0.60

Frequently asked questions about Lakeland Financial

Lakeland Financial Corp's business model revolves around providing a comprehensive range of financial solutions to individuals and businesses. As a leading financial institution, Lakeland Financial Corp focuses on delivering exceptional customer service, tailored lending options, and innovative banking products. By leveraging its expertise in personal and commercial banking, mortgage services, and wealth management, the company aims to meet the diverse financial needs of its clients. With a strong dedication to community banking, Lakeland Financial Corp strives to support economic growth and prosperity in the areas it serves.