olivLaw · US equity research
Lakeland Financial Corporation LKFN
State Commercial Banks · SIC 6022 · Vertical: State Commercial Banks (SIC 6022)
Lakeland Financial Corporation is the Warsaw, Indiana bank holding company that operates Lake City Bank, a full-service commercial bank in northern and central Indiana. The company has total assets of 7.0 billion dollars and reported a record third quarter in 2026 with net income of 28.9 million dollars.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 04 Nov 2026, Lakeland Financial Corporation (LKFN) stock was 62.90 USD (+2.68% on the day), with market capitalisation 1.6 bn USD, P/E 14.1 on diluted EPS of 4.47 USD over the last 12 months, dividend yield 3.28%, beta 0.67, 52-week range 55.03–63.70 USD. Latest reported quarter (Q3 2026): net income of 28.9 m USD (+9.3% YoY), diluted EPS 1.14 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 64.6
- strong (55–70)
- Bollinger (20, 2)
- 55.46 – 62.81
- above the upper band · %B 1.01 · band width 12.4%
- SMA 50 / 200
- 59.25 / 59.97
- mixed trend
- MACD (12, 26, 9)
- 0.82 / 0.36
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +7.9% | −1.1% | +9.0 pp | — |
| 3 months | −0.1% | −0.5% | +0.4 pp | — |
| 6 months | +0.9% | +4.4% | −3.5 pp | — |
| Year to date | +10.2% | +12.3% | −2.1 pp | — |
| 1 year | +9.5% | +13.5% | −4.0 pp | +25.9% |
| 3 years | +18.0% | +76.4% | −58.4 pp | +70.8% |
| 5 years | −14.8% | +63.7% | −78.5 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 30 Sept 2026
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Pre-tax income | 29.2 m | 24.2 m | 32.9 m | 32.1 m | 36.4 m | 32.6 m | 34.7 m | 35.7 m |
| Income tax | 5.0 m | 4.2 m | 6.0 m | 5.7 m | 6.4 m | 6.1 m | 6.3 m | 6.8 m |
| Net income | 24.2 m | 20.1 m | 27.0 m | 26.4 m | 29.9 m | 26.5 m | 28.4 m | 28.9 m |
| Diluted EPS | 0.94 | 0.78 | 1.04 | 1.03 | 1.16 | 1.04 | 1.13 | 1.14 |
| Operating cash flow | 38.7 m | 28.9 m | 16.2 m ≈ | 36.1 m ≈ | 33.7 m | 34.7 m | 24.4 m ≈ | 41.7 m ≈ |
| Capex | 2.0 m | 1.8 m | 2.1 m ≈ | 5.0 m ≈ | 2.2 m | 4.7 m | 5.2 m ≈ | 1.6 m ≈ |
| Dividends paid | 12.3 m | 12.8 m | 12.9 m ≈ | 12.9 m ≈ | 12.9 m | 13.2 m | 13.0 m ≈ | 13.0 m ≈ |
| Share repurchases | 86.0 k | 215.0 k | 1.8 m ≈ | 224.0 k ≈ | 18.2 m | 19.6 m | 4.3 m ≈ | 2.7 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 23 percentile of its own 40-quarter history (min 11.4, median 16.9, max 23.2; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 985.0 k | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Revenue YoY | −2.1% | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Net income | 80.4 m | 87.0 m | 84.3 m | 95.7 m | 103.8 m | 93.8 m | 93.5 m | 103.4 m |
| Net income YoY | +40.3% | +8.3% | −3.1% | +13.5% | +8.4% | −9.7% | −0.3% | +10.6% |
| Diluted EPS | 3.13 | 3.38 | 3.30 | 3.74 | 4.04 | 3.65 | 3.63 | 4.01 |
| Diluted EPS YoY | +40.4% | +8.0% | −2.4% | +13.3% | +8.0% | −9.7% | −0.5% | +10.5% |
| net % | 8,163.6% | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Free cash flow | 97.0 m | 92.0 m | 81.5 m | 107.6 m | 164.5 m | 108.0 m | 93.9 m | 103.8 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 141.3 m USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 762.5 m USD
- Total assets
- 7.0 bn USD
- Debt / equity
- unavailable
- Current ratio
- unavailable
- ROE
- 14.3%
- ROA
- 1.5%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 163.0 m | 178.1 m | 202.9 m | 197.0 m | 196.7 m | 221.0 m | SEC (XBRL)· 25 Feb 2026verified |
| Net fee income | 46.8 m | 44.7 m | 41.9 m | 49.9 m | 56.8 m | 48.0 m | SEC (XBRL)· 25 Feb 2026verified |
| Non-interest expense | 91.2 m | 104.3 m | 110.2 m | 130.7 m | 125.1 m | 131.6 m | SEC (XBRL)· 25 Feb 2026verified |
| Pre-tax income | 103.9 m | 117.4 m | 125.2 m | 110.3 m | 111.7 m | 125.6 m | SEC (XBRL)· 25 Feb 2026verified |
| Net income | 84.3 m | 95.7 m | 103.8 m | 93.8 m | 93.5 m | 103.4 m | SEC (XBRL)· 25 Feb 2026verified |
| Diluted EPS | 3.30 | 3.74 | 4.04 | 3.65 | 3.63 | 4.01 | SEC (XBRL)· 25 Feb 2026verified |
| Dividend per share | 1.20 | 1.36 | 1.60 | 1.84 | 1.92 | 2.00 | SEC (XBRL)· 25 Feb 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 249.9 m | 683.2 m | 130.3 m | 151.8 m | 168.2 m | 141.3 m | SEC (XBRL)· 25 Feb 2026verified |
| Loans | 4.6 bn | 4.2 bn | 4.6 bn | 4.8 bn | 5.0 bn | 5.3 bn | SEC (XBRL)· 25 Feb 2026verified |
| Total assets | 5.8 bn | 6.6 bn | 6.4 bn | 6.5 bn | 6.7 bn | 7.0 bn | SEC (XBRL)· 25 Feb 2026verified |
| Deposits | 5.0 bn | 5.7 bn | 5.5 bn | 5.7 bn | 5.9 bn | 6.0 bn | SEC (XBRL)· 25 Feb 2026verified |
| Long-term debt | — | 75.0 m | 297.0 m | 50.0 m | — | — | SEC (XBRL)· 21 Feb 2024verified |
| Total liabilities | 5.2 bn | 5.9 bn | 5.9 bn | 5.9 bn | 6.0 bn | 6.2 bn | SEC (XBRL)· 25 Feb 2026verified |
| Equity | 657.2 m | 704.9 m | 568.9 m | 649.8 m | 683.9 m | 762.5 m | SEC (XBRL)· 25 Feb 2026verified |
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 30.6 m | 34.6 m | 40.8 m | 47.1 m | 49.3 m | 51.4 m | SEC (XBRL)· 25 Feb 2026verified |
| Share repurchases | 10.5 m | 559.0 k | 579.0 k | 575.0 k | 592.0 k | 20.4 m | SEC (XBRL)· 25 Feb 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 61 / 100
A scoring methodology on indicators and valuation, not investment advice.
(margin_of_safety <= -0.25 & agreement in ['high', 'medium'])
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 1.6 bn USD
Key indicators
Coverage and freshness
Score by group
- Valuation11
- Returns79
- Quality78
- Balance sheet27
- Growth100
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 26.28 – 65.75 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income32.97 – 34.45 (Mid 33.69)
- Justified P/B48.89 – 65.75 (Mid 56.08)
- Dividend discount (DDM)26.28 – 35.34 (Mid 30.15)
- Peers: P/E48.62 – 58.14 (Mid 52.51)31 companies used · median multiple 11.7x · quartiles 10.9x – 13.0xALLY, AUBN, BFST, BNY, BOH, BPOP, BSRR, BWFG, CFFI, CFG, CIVB, COLB, COSO, EWBC, FXNC, IBCP, INBK, ISBA, JMSB, MCHB, MTB, NTRS, OFG, OPBK, ORRF, PEBK, PEBO, RBB, STT, TCBK, UBCP
- Peers: P/B33.49 – 44.43 (Mid 38.52)32 companies used · median multiple 1.3x · quartiles 1.1x – 1.5xALLY, AUBN, AVBH, BFST, BOH, BPOP, BRBS, BSRR, BWFG, CFFI, CFG, CIVB, COLB, COSO, EWBC, FITB, FXNC, GBCI, IBCP, INBK, ISBA, JMSB, MTB, OFG, OPBK, ORRF, PEBK, PEBO, RBB, STT, TCBK, UBCP
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Unattractive profile · Score 61/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 15.4% | 87 (vs peers) | 21% |
| ROA · Quality | 1.6% | 87 (on a fixed band) | 8% |
| Cost-to-income · Quality | 49.1% | 64 (on a fixed band) | 13% |
| Net interest margin · Quality | 3.3% | 72 (on a fixed band) | 8% |
| EPS CAGR 3Y · Growth | 19.4% | 100 (on a fixed band) | 10% |
| Revenue CAGR 3Y · Growth | unavailable | unavailable | — |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | 89.1% | 27 (on a fixed band) | 5% |
| P/B · Valuation | 2.1x | 6 (vs peers) | 13% |
| P/E (TTM) · Valuation | 14.1x | 17 (vs peers) | 13% |
| Dividend yield · Returns | 3.3% | 79 (vs peers) | 10% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial27/100 · 1/3 factors with a value
- Growth· partial100/100 · 1/2 factors with a value
- Quality78/100 · 4/4 factors with a value
- Returns79/100 · 1/1 factors with a value
- Valuation11/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
LAKELAND FINANCIAL CORPORATION (LKFN). Latest full fiscal year: 2018; data up to 2026-09-30.
Figures computed from the financial statements: net interest income 221.0 m USD in 2025; YoY growth -2.1%; ROE 15.4%.
The estimated value range is 33.49–44.43 USD per share (median of 5 methods, agreement: medium); assumptions are illustrative. Against the central value of 38.52 USD, the price of 62.90 USD leaves a potential of -38.8% (value / price − 1) and a margin of safety of -63.3% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 61/100, methodological classification: unattractive profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance, growth. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROE: 15.4%
- ROA: 1.6%
- Net interest margin: 3.3%
- EPS CAGR 3Y: 19.4%
- Dividend yield: 3.3%
What contradicts it
- Loan-to-deposit: 89.1%
- P/B: 2.1x
- P/E (TTM): 14.1x
- The price is above the estimated value range
Not assessed (insufficient data or a ratio without meaning): Revenue CAGR 3Y, NPL ratio, Cost of risk.
Versus the vertical median
State Commercial Banks (SIC 6022) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| BNYThe Bank Of New York Mellon Corporation | 102.8 bn | 16.8 | 15.0% | 32.6% | +7.8% | +36% / +216% |
| FITBFifth Third Bancorp | 49.4 bn | 18.4 | 9.4% | — | −2.0% | +26% / +89% |
| STTState Street Corporation | 47.2 bn | 13.9 | 13.1% | 23.8% | +7.3% | +46% / +138% |
| MTBM&T Bank Corp | 32.4 bn | 11.7 | 10.7% | 178.1% | +7.5% | +18% / +75% |
| NTRSNorthern Trust Corporation | 32.2 bn | 13.7 | 18.4% | 28.8% | −2.5% | +36% / +125% |
| CFGCitizens Financial Group Inc | 27.6 bn | 13.0 | 8.9% | 25.4% | +5.6% | +22% / +142% |
| EWBCEast West Bancorp, Inc. | 18.4 bn | 12.9 | 16.6% | — | +4.4% | +26% / +113% |
| ALLYAlly Financial Inc. | 11.8 bn | 8.8 | 9.9% | 16.8% | −3.3% | −5% / +35% |
| BPOPPopular, Inc. | 10.1 bn | 10.7 | 15.6% | — | unavailable | +38% / +115% |
| COLBColumbia Banking System, Inc. | 8.9 bn | 12.5 | 11.0% | 401.7% | +18.8% | +13% / +40% |
| GBCIGlacier Bancorp, Inc. | 6.5 bn | 18.6 | 8.8% | 308.8% | +7.5% | +17% / +48% |
| BOHBank Of Hawaii Corporation | 2.8 bn | 12.3 | 13.6% | 202.1% | −0.1% | +9% / +23% |
| OFGOFG Bancorp | 2.2 bn | 10.1 | 16.1% | — | unavailable | +30% / +53% |
| TCBKTriCo Bancshares | 1.7 bn | 12.9 | 10.4% | 249.7% | +4.1% | +12% / +57% |
| LKFNLakeland Financial Corporation | 1.6 bn | 14.1 | 15.4% | — | −2.1% | +10% / +18% |
| PEBOPeoples Bancorp Inc. | 1.4 bn | 11.7 | 10.1% | 136.3% | +2.3% | +34% / +35% |
| BFSTBusiness First Bancshares, Inc. | 1.1 bn | 11.6 | 10.1% | 768.0% | +1.2% | +27% / +63% |
| ORRFOrrstown Financial Services, Inc. | 890.4 m | 10.2 | 14.8% | 232.4% | +36.0% | +27% / +89% |
| IBCPIndependent Bank Corporation | 822.4 m | 11.0 | 13.5% | 218.4% | +0.3% | +14% / +72% |
| CUBBCustomers Bancorp, Inc. | 701.4 m | 2.5 | 14.3% | — | −14.0% | −3% / +9% |
| CIVBCivista Bancshares, Inc. | 599.1 m | 11.0 | 11.2% | 276.9% | −0.5% | +27% / +84% |
| BWFGBankwell Financial Group, Inc. | 584.1 m | 12.9 | 14.5% | 1,437.5% | +44.0% | +60% / +172% |
| BSRRSierra Bancorp | 555.6 m | 11.1 | 14.0% | — | unavailable | +38% / +129% |
| RBBRBB Bancorp | 443.9 m | 10.8 | 7.9% | 720.3% | −2.4% | +32% / +72% |
| AVBHAvidbank Holdings, Inc. | 383.5 m | — | -5.6% | — | unavailable | +34% / +69% |
1- and 3-year price returns: for LKFN from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 26 Oct 2026; since then the company filed 10-Q (28 Oct 2026).
In brief
Lakeland Financial Corporation is the Warsaw, Indiana bank holding company that operates Lake City Bank, a full-service commercial bank in northern and central Indiana. The company has total assets of 7.0 billion dollars and reported a record third quarter in 2026 with net income of 28.9 million dollars 13.
SWOT
Strengths
Weaknesses
- Geographic concentration in Indiana makes the company more exposed to regional economic conditions than diversified banks 1.
- The available-for-sale securities portfolio carries sizeable unrealized losses that weigh on tangible capital 3.
- Noninterest expense has at times grown faster than revenue, weighing on operating efficiency 2.
Opportunities
Risks
- Geographic exposuremedium
Activity is concentrated in Indiana, so a local economic slowdown could hit loans and collateral values at the same time 1.
- Commercial credit riskhigh
A single large commercial relationship was downgraded to nonperforming and produced net charge-offs in 2025, showing how sensitive the commercial book is 1.
- Unrealized securities lossesmedium
Unrealized losses on available-for-sale securities rose in the third quarter of 2026, and forced sales could turn them into realized losses 3.
- Deposit pressuremedium
If customers move funds to other instruments or competitors, deposit costs could rise and compress the margin 1.
- Regulation and supervisionlow
Changes in banking agency policy could alter capital requirements, compliance costs or deposit insurance premiums 1.
Investment thesis
What would need to be true (bull case)
- The company reported record third quarter net income in 2026 and a rising net interest margin, showing a solid ability to generate income from core banking 3.
- A core deposit base and organic loan growth provide a stable foundation for expansion into new markets 13.
- The share repurchase programme and higher dividends suggest management sees enough capital to support growth 3.
What would break the thesis
- Geographic concentration in Indiana limits credit risk diversification compared with national banks 1.
- Unrealized losses on the securities portfolio are large and could reduce tangible capital if long rates rise again 3.
- A large commercial credit has already produced losses, and credit quality could come under pressure again 1.
What to watch
- Trend in net interest margin and deposit costsQ4 2026
- Level of nonperforming loans and provision for credit lossesQ4 2026
- Movement in unrealized losses on available-for-sale securitiesQ4 2026
- Opening of the Whitestown office and progress of Indianapolis expansion2026
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 26 Oct 2026; since then the company filed 10-Q (28 Oct 2026).
The business
Lakeland Financial is a bank holding company incorporated in Indiana that wholly owns Lake City Bank, a commercial bank originally organized in 1872 1. The bank offers deposits, commercial and consumer lending, card and treasury services, wealth management, trust and brokerage, with a focus on long-term relationships and in-person service 1. At December 31, 2025 the bank had 55 offices, 46 in northern Indiana and nine in the Indianapolis market 1.
Growth has been organic with no acquisitions, the bank expanding outside its home county from 1985 and entering Indianapolis in 2011 1. The company has added 14 locations in seven Indiana counties since 2011 and plans a Whitestown office in 2026 in Boone County, then branches in Indianapolis, South Bend, Fort Wayne and Elkhart over the following years 1.
The company reports one operating segment, because management evaluates performance company-wide and the activity is predominantly banking 1. Fee income from wealth advisory and brokerage contributes to noninterest income 1.
Market context
The company's activity is concentrated in northern and central Indiana, where local economic conditions, population and commercial real estate directly shape credit quality 1. It operates in a highly competitive banking market where customers compare rates, service, fees and convenience 1. Indiana's unemployment rate was 3.5% at the end of 2025, pointing to a tight labour market 1.
The rate environment has moved through Federal Reserve tightening and easing cycles, affecting deposit costs and the value of the securities portfolio 13. A rise in the 10-year Treasury yield in the third quarter of 2026 lifted unrealized losses on available-for-sale securities to 213.9 million dollars 3.
Trends
- Federal Reserve policymixed
Policy rate cuts in 2024 and 2025 let the bank reprice deposits faster than loans, supporting the net interest margin 1. If long-term rates rise again, unrealized losses on the securities portfolio could return to focus 13.
- Deposit coststailwind
The funding cost fell from 2.37% in the third quarter of 2025 to 2.13% in the third quarter of 2026, helping the margin expand 3. If competition for deposits intensifies, this trend could weaken 1.
- Loan credit qualitytailwind
Nonperforming loans fell as a share of total loans in the third quarter of 2026 and provision expense declined year over year 23. A weaker economic cycle could still raise provision expense 1.
- Capital and buybacksmixed
The company repurchased shares in 2026 and paid dividends while keeping its capital ratio well above the well capitalized threshold 3. Lower tangible capital from unrealized losses could limit the flexibility of these programmes 3.
Competitive position
Competition comes from national, regional and community banks, fintech firms, credit unions, brokerages, insurers and card issuers, many of which face fewer regulatory constraints 1. The company differentiates through personal service and a local network while acknowledging that some rivals have lower cost structures 1.
Competitive pressure intensifies when non-bank players draw customers and deposits, a risk the company names explicitly among its risk factors 1. If these pressures rise, they could affect both loan growth and deposit costs 1.
- Community and regional banks in Indiana
Direct competitors for deposits and loans across northern and central Indiana, cited in the annual report 1.
- National banks
Offer similar products often at larger scale, though the company says Lake City Bank offers comparable services 1.
- Credit unions
Non-bank competitors with fewer regulatory restrictions, named as pressure on deposits and loans 1.
- Fintech and non-bank lenders
Competitors offering digital financial services and credit, identified in the company's risk factors 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Quarterly report28 Oct 2026
- Current report26 Oct 2026Regulation FD disclosure · Financial statements and exhibits
- Current report26 Oct 2026Results of operations · Financial statements and exhibits
- Current report13 Oct 2026Regulation FD disclosure · Financial statements and exhibits
- Quarterly report05 Aug 2026
- Current report27 Jul 2026Regulation FD disclosure · Financial statements and exhibits
- Current report27 Jul 2026Results of operations · Financial statements and exhibits
- Current report14 Jul 2026Regulation FD disclosure · Financial statements and exhibits
- Quarterly report29 Apr 2026
- Current report27 Apr 2026Regulation FD disclosure · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Lakeland Financial Corporation · 25 Feb 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Lakeland Financial Corporation · 05 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Lakeland Financial Corporation · 26 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.