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Lakeland Financial Corporation LKFN · Stock Open Lakeland Financial Corporation in new tab

59.70 USD
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P/E
13.89
EPS
4.36
Yield
3.45%
Safety Score
97
P/B
1.95
ROE
15.00
Beta
0.71
Target Price
66.50 USD
1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateOct. 26, 2026
P/E13.89
EPS4.36
Book Value31.11
Price to Book1.95
% Insiders2.830%
Growth
Revenue Growth0.09%
Earnings Growth0.09%
Estimates
Forward P/E13.43
Forward EPS4.51
Target Mean Price66.50
Dividend
Dividend Yield3.45%
Annual dividends2.06 USD
Ex-Div. DateJuly 24, 2026
Payout46.72%
5y avg Yield2.76%

DCF Valuation

Tweak assumptions to recompute fair value for Lakeland Financial Corporation (LKFN)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
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Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result
Fair Value (DCF)
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Current Price
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Terminal PV
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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Lakeland Financial Corporation Logo Lakeland Financial Corporation Analysis (LKFN)

United States Financials Official Website Stock

Is Lakeland Financial Corporation a good investment? Lakeland Financial Corporation (LKFN) is currently trading at 59.70 USD. Market analysts have a consensus price target of 66.50 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 13.89. This relatively low multiple may signal that Lakeland Financial Corporation is undervalued compared to historical market norms.

Earnings Schedule: Lakeland Financial Corporation is expected to release its next earnings report on Oct. 26, 2026. The market consensus estimate for Forward EPS is 4.51.

For income investors, Lakeland Financial Corporation pays a dividend yield of 3.45%. With a payout ratio of 47%, the dividend appears sustainable.

Investor FAQ

Does Lakeland Financial Corporation pay a dividend?

Yes, it pays an annual dividend of 2.06 USD (3.45% yield).

What asset class is Lakeland Financial Corporation?

Lakeland Financial Corporation is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Oct. 26, 2026. The company currently has a trailing EPS of 4.36.

Company Profile

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.

Exchange Ticker
NMS (United States) LKFN
Trades
Dividend Yield
3.45%
5y avg 2.76%
Annual Dividends
2.06USD
Next Ex. Div Date
July 24, 2026
Payout Ratio
46.72%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
1.76 USD
Aug. 5, 2027 (estimated) 0.5854
May 5, 2027 (estimated) 0.5854
Feb. 5, 2027 (estimated) 0.5854
▸2026
2.12 USD
Nov. 5, 2026 (estimated) 0.5629
Aug. 5, 2026 0.5200
May 5, 2026 0.5200
Feb. 5, 2026 0.5200
▸2025
2.00 USD
Nov. 5, 2025 0.5000
Aug. 5, 2025 0.5000
May 5, 2025 0.5000
Feb. 5, 2025 0.5000
▸2024
1.92 USD
Nov. 5, 2024 0.4800
Aug. 5, 2024 0.4800
May 6, 2024 0.4800
Feb. 5, 2024 0.4800
▸2023
1.84 USD
Nov. 6, 2023 0.4600
Aug. 7, 2023 0.4600
May 5, 2023 0.4600
Feb. 6, 2023 0.4600
▸2022
1.60 USD
Nov. 7, 2022 0.4000
Aug. 5, 2022 0.4000
May 5, 2022 0.4000
Feb. 7, 2022 0.4000
▸2021
1.36 USD
Nov. 5, 2021 0.3400
Aug. 5, 2021 0.3400
May 5, 2021 0.3400
Feb. 5, 2021 0.3400
▸2020
1.20 USD
Nov. 5, 2020 0.3000
Aug. 5, 2020 0.3000
May 5, 2020 0.3000
Feb. 5, 2020 0.3000
▸2019
1.16 USD
Nov. 5, 2019 0.3000
Aug. 5, 2019 0.3000
May 6, 2019 0.3000
Feb. 5, 2019 0.2600
▸2018
1.00 USD
Nov. 5, 2018 0.2600
Aug. 6, 2018 0.2600
May 7, 2018 0.2600
Feb. 5, 2018 0.2200
▸2017
0.85 USD
Nov. 6, 2017 0.2200
Aug. 7, 2017 0.2200
May 5, 2017 0.2200
Feb. 6, 2017 0.1900
▸2016
1.00 USD
Nov. 7, 2016 0.1900
Aug. 5, 2016 0.2800
May 5, 2016 0.2800
Feb. 5, 2016 0.2450
▸2015
0.95 USD
Nov. 5, 2015 0.2450
Aug. 5, 2015 0.2450
May 5, 2015 0.2450
Feb. 5, 2015 0.2100
▸2014
0.82 USD
Nov. 5, 2014 0.2100
Aug. 5, 2014 0.2100
May 5, 2014 0.2100
Feb. 5, 2014 0.1900
▸2013
0.57 USD
Nov. 5, 2013 0.1900
Aug. 5, 2013 0.1900
May 6, 2013 0.1900
▸2012
0.84 USD
Dec. 31, 2012 0.1700
Nov. 5, 2012 0.1700
Aug. 6, 2012 0.1700
May 7, 2012 0.1700
Feb. 6, 2012 0.1550
▸2011
0.62 USD
Nov. 7, 2011 0.1550
Aug. 5, 2011 0.1550
May 5, 2011 0.1550
Feb. 7, 2011 0.1550
▸2010
0.62 USD
Nov. 5, 2010 0.1550
Aug. 5, 2010 0.1550
May 5, 2010 0.1550
Feb. 5, 2010 0.1550
▸2009
0.62 USD
Nov. 5, 2009 0.1550
Aug. 5, 2009 0.1550
May 5, 2009 0.1550
Feb. 5, 2009 0.1550
▸2008
0.61 USD
Nov. 5, 2008 0.1550
Aug. 5, 2008 0.1550
May 5, 2008 0.1550
Feb. 5, 2008 0.1400
▸2007
0.55 USD
Nov. 5, 2007 0.1400
Aug. 6, 2007 0.1400
May 7, 2007 0.1400
Feb. 5, 2007 0.1250
▸2006
0.73 USD
Nov. 6, 2006 0.1250
Aug. 7, 2006 0.1250
April 28, 2006 0.2500
Jan. 25, 2006 0.2300
▸2005
0.90 USD
Oct. 25, 2005 0.2300
July 25, 2005 0.2300
April 25, 2005 0.2300
Jan. 25, 2005 0.2100
▸2004
0.82 USD
Oct. 25, 2004 0.2100
July 26, 2004 0.2100
April 26, 2004 0.2100
Jan. 23, 2004 0.1900
▸2003
0.74 USD
Oct. 24, 2003 0.1900
July 25, 2003 0.1900
April 25, 2003 0.1900
Jan. 24, 2003 0.1700
▸2002
0.66 USD
Oct. 25, 2002 0.1700
July 25, 2002 0.1700
April 25, 2002 0.1700
Jan. 25, 2002 0.1500
▸2001
0.58 USD
Oct. 25, 2001 0.1500
July 25, 2001 0.1500
April 25, 2001 0.1500
Jan. 25, 2001 0.1300
▸2000
0.50 USD
Oct. 25, 2000 0.1300
July 25, 2000 0.1300
April 25, 2000 0.1300
Jan. 25, 2000 0.1100
▸1999
0.42 USD
Oct. 25, 1999 0.1100
July 26, 1999 0.1100
April 26, 1999 0.1100
Jan. 25, 1999 0.0900
▸1998
0.33 USD
Oct. 26, 1998 0.0900
July 24, 1998 0.0900
Jan. 26, 1998 0.1500
▸1997
0.57 USD
Oct. 24, 1997 0.1500
July 25, 1997 0.1500
April 28, 1997 0.1500
Jan. 27, 1997 0.1200
▸1996
0.64 USD
Oct. 25, 1996 0.1200
July 25, 1996 0.1200
April 25, 1996 0.2000
Jan. 25, 1996 0.2000
▸1995
0.71 USD
Oct. 25, 1995 0.2000
July 25, 1995 0.1700
April 25, 1995 0.1700
Jan. 25, 1995 0.1700
▸1994
0.28 USD
Oct. 25, 1994 0.1400
July 26, 1994 0.1400
Upcoming Dividends
Name Payment Date Status Amount
Lakeland Financial Corporation Aug 05, 2026 0.52 USD
Lakeland Financial Corporation May 05, 2026 0.52 USD
Lakeland Financial Corporation Feb 05, 2026 0.52 USD
Lakeland Financial Corporation Nov 05, 2025 0.5 USD
Stock Splits
Split Date Split Ratio to 1
May 16, 1996 2:1
May 18, 1998 2:1
May 1, 2006 2:1
Aug. 8, 2016 1.5
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