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Lakeland Financial Corporation LKFN | NASDAQ

$58.06 $1.04 | 1.82%

TREND SIGNAL: Signal available — unlock to view

|2026-08-19

Next Earnings: Oct 26, 2026

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Company Overview:

Market Cap: $1.42B

Trailing PE: 13.3x

FWD PE *: 13.2x

Payout Ratio (TTM): 46.7%

52-Week Range: $54.36 - $64.55

* Forward PE is based on street estimates.

7.4 Year LKFN Performance Metrics:

Total Return (with DRIP): 52.9% (5.91% CAGR)

Total Return (no DRIP): 51.5% (5.77% CAGR)

Share Price: 25.4% (3.10% CAGR)

Yield on Cost (with DRIP): 5.48%

Total Invested: $10,000

Total Value (with DRIP): $15,292

Total Return $ (with DRIP): $5,292

Dividend Increase: 73.3% (8.17% CAGR)

Dividend Yield (FWD): 3.58% ($2.08)

LKFN 7.4-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

LKFN Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

LKFN Price CAGR:1Y: -6.13%2Y: -5.47%5Y: -5.06%10Y: 3.09%

LKFN Dividend Charts

LKFN - Dividends

LKFN Dividend CAGR:1Y: 3.20%2Y: 3.63%5Y: 8.86%10Y: 10.58%

LKFN - Dividend Payout Ratio

LKFN Dividend Payout Ratio CAGR:1Y: -3.87%2Y: -8.41%5Y: 5.20%10Y: 2.29%

LKFN - Dividend to Free Cash Flow Ratio

LKFN Dividend to FCF Ratio CAGR:1Y: -25.53%2Y: 1.36%5Y: 21.76%10Y: 7.94%

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LKFN Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

LKFN - Revenue

LKFN Revenue CAGR:1Y: -33.06%2Y: -21.21%5Y: 6.47%10Y: 7.24%

LKFN - Earnings Per Share (EPS)

LKFN EPS CAGR:1Y: 8.65%2Y: 13.97%5Y: 3.53%10Y: 8.28%

LKFN - Net Income

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LKFN Net Income CAGR:1Y: 5.47%2Y: 12.31%5Y: 3.16%10Y: 8.31%

LKFN - EBITDA

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LKFN EBITDA CAGR:1Y: 1.09%2Y: 10.56%5Y: -0.63%10Y: 3.32%

LKFN - Free Cash Flow

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LKFN Free Cash Flow CAGR:1Y: 36.14%2Y: 1.48%5Y: -10.88%10Y: 2.63%

LKFN - Free Cash Flow / Share

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LKFN Free Cash Flow / Share CAGR:1Y: 39.69%2Y: 2.73%5Y: -10.58%10Y: 2.63%

LKFN - Operating Income

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LKFN Operating Income CAGR:1Y: 5.92%2Y: 13.82%5Y: 0.50%10Y: 3.82%

LKFN - Gross Profit

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LKFN Gross Profit CAGR:1Y: 9.16%2Y: 7.14%5Y: 5.95%10Y: 6.98%

LKFN - Shares Outstanding

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LKFN Shares Outstanding CAGR:1Y: -2.14%2Y: -1.00%5Y: -0.29%10Y: -0.06%

LKFN - Share Buybacks

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LKFN Share Buybacks CAGR:1Y: 137.65%2Y: 615.91%5Y: 132.22%10Y: 65.26%

LKFN - Stock-Based Comp

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LKFN Stock-Based Comp CAGR:1Y: 511.61%2Y: 43.71%5Y: -7.09%10Y: 7.34%

LKFN - Expenses

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LKFN Expenses CAGR:1Y: 147.45%2Y: 47.08%5Y: 35.87%10Y: 12.91%

LKFN - Revenue vs Net Income

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LKFN - EPS vs FCF / Share

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LKFN - EPS vs PE Ratio

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LKFN - FCF vs FCF / Share

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LKFN - FCF vs Stock Based Comp

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LKFN - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

LKFN - REVENUE: Actual + Estimates

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LKFN Actual Revenue CAGR:1Y: -33.06%2Y: -21.21%5Y: 6.47%10Y: 7.24%

LKFN - EPS: Actual + Estimates

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LKFN Actual EPS CAGR:1Y: 8.65%2Y: 13.97%5Y: 3.53%10Y: 8.28%

LKFN - NET INCOME: Actual + Estimates

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LKFN Actual Net Income CAGR:1Y: 5.47%2Y: 12.31%5Y: 3.16%10Y: 8.31%

LKFN - EBITDA: Actual + Estimates

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LKFN Actual EBITDA CAGR:1Y: 1.09%2Y: 10.56%5Y: -0.63%10Y: 3.32%

Ratios, Profit Margins & Return on Capital:

LKFN - Net Profit Margin

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LKFN Net Profit Margin CAGR:1Y: 3.65%2Y: 15.62%5Y: -10.90%10Y: -3.15%

LKFN - Gross Profit Margin

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LKFN Gross Profit Margin CAGR:1Y: 7.28%2Y: 10.31%5Y: -8.48%10Y: -4.33%

LKFN - Price to Earnings

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LKFN Price to Earnings CAGR:1Y: -7.49%2Y: -11.38%5Y: -3.44%10Y: -1.24%

LKFN - Price To Sales Ratio

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LKFN Price To Sales Ratio CAGR:1Y: -3.79%2Y: 2.69%5Y: -13.88%10Y: -4.30%

LKFN - Return on Capital Employed

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LKFN Return on Capital Employed CAGR:1Y: -88.51%2Y: -63.55%5Y: -2.28%10Y: -2.23%

LKFN - Return on Invested Capital

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LKFN Return on Invested Capital CAGR:1Y: -88.62%2Y: -62.81%5Y: -35.94%10Y: -18.90%

LKFN Dividends Info:

Annual Dividend: $2.08

Forward Yield: 3.58%

Ex-Dividend Date: 2026-07-24

Lifetime Dividends / Share: $21.29

LKFN Dividend History: Dates, Payments & Yield list

Below is a schedule of all LKFN dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
07/24/2026	07/27/2026	$0.520	3.4%	3.28%	$63.35
04/24/2026	04/27/2026	$0.520	3.48%	3.38%	$61.55
01/23/2026	01/26/2026	$0.520	3.54%	3.39%	$61.30
10/24/2025	10/27/2025	$0.500	3.23%	3.41%	$58.67
07/25/2025	07/28/2025	$0.500	3.03%	2.95%	$67.82
04/25/2025	04/28/2025	$0.500	3.74%	3.65%	$54.84
01/24/2025	01/27/2025	$0.500	2.89%	2.88%	$69.54
10/25/2024	10/28/2024	$0.480	3.05%	2.88%	$66.76
07/25/2024	07/29/2024	$0.480	2.71%	2.8%	$68.58
04/24/2024	04/26/2024	$0.480	3.07%	3.21%	$59.77
01/24/2024	01/26/2024	$0.480	3.03%	2.66%	$72.28
10/24/2023	10/26/2023	$0.460	3.92%	3.71%	$49.58
07/24/2023	07/26/2023	$0.460	3.3%	3.27%	$56.24
04/24/2023	04/26/2023	$0.460	3.28%	3.57%	$51.57
01/24/2023	01/26/2023	$0.460	2.51%	2.69%	$68.43
10/24/2022	11/07/2022	$0.400	2.09%	1.97%	$81.23
07/22/2022	08/05/2022	$0.400	2.27%	2.13%	$75.04
04/22/2022	05/05/2022	$0.400	2.09%	2.16%	$74.07
01/24/2022	02/07/2022	$0.400	1.97%	1.96%	$81.69
10/22/2021	11/05/2021	$0.340	1.74%	1.84%	$73.82
07/22/2021	08/05/2021	$0.340	2.42%	1.95%	$69.80
04/22/2021	05/05/2021	$0.340	2.03%	2.06%	$66.11
01/22/2021	02/05/2021	$0.340	2.27%	2.19%	$62.00
10/22/2020	11/05/2020	$0.300	2.5%	2.37%	$50.67
07/23/2020	08/05/2020	$0.300	2.61%	2.52%	$47.60
04/23/2020	05/05/2020	$0.300	3.31%	3.08%	$39.01
01/23/2020	02/05/2020	$0.300	2.5%	2.46%	$48.71
10/24/2019	11/05/2019	$0.300	2.64%	2.54%	$47.23
07/24/2019	08/05/2019	$0.300	2.67%	2.79%	$43.01
04/24/2019	05/06/2019	$0.300	0%	2.59%	$46.31
01/24/2019	02/05/2019	$0.260	0%	2.25%	$46.31
10/24/2018	11/05/2018	$0.260	0%	2.25%	$46.31
07/24/2018	08/06/2018	$0.260	0%	2.25%	$46.31
04/24/2018	05/07/2018	$0.260	0%	2.25%	$46.31
01/24/2018	02/05/2018	$0.220	0%	1.9%	$46.31
10/24/2017	11/06/2017	$0.220	0%	1.9%	$46.31
07/21/2017	08/07/2017	$0.220	0%	1.9%	$46.31
04/21/2017	05/05/2017	$0.220	0%	1.9%	$46.31
01/23/2017	02/06/2017	$0.190	0%	1.64%	$46.31
10/21/2016	11/07/2016	$0.190	0%	1.64%	$46.31
07/21/2016	08/05/2016	$0.187	0%	1.61%	$46.31
04/21/2016	05/05/2016	$0.187	0%	1.61%	$46.31
01/21/2016	02/05/2016	$0.163	0%	1.41%	$46.31
10/21/2015	11/05/2015	$0.163	0%	1.41%	$46.31
07/22/2015	08/05/2015	$0.163	0%	1.41%	$46.31
04/22/2015	05/05/2015	$0.163	0%	1.41%	$46.31
01/21/2015	02/05/2015	$0.140	0%	1.21%	$46.31
10/22/2014	11/05/2014	$0.140	0%	1.21%	$46.31
07/23/2014	08/05/2014	$0.140	0%	1.21%	$46.31
04/23/2014	05/05/2014	$0.140	0%	1.21%	$46.31
01/22/2014	02/05/2014	$0.127	0%	1.09%	$46.31
10/23/2013	11/05/2013	$0.127	0%	1.09%	$46.31
07/23/2013	08/05/2013	$0.127	0%	1.09%	$46.31
04/23/2013	05/06/2013	$0.127	0%	1.09%	$46.31
12/14/2012	12/31/2012	$0.113	0%	0.98%	$46.31
10/23/2012	11/05/2012	$0.113	0%	0.98%	$46.31
07/23/2012	08/06/2012	$0.113	0%	0.98%	$46.31
04/23/2012	05/07/2012	$0.113	0%	0.98%	$46.31
01/23/2012	02/06/2012	$0.103	0%	0.89%	$46.31
10/21/2011	11/07/2011	$0.103	0%	0.89%	$46.31
07/21/2011	08/05/2011	$0.103	0%	0.89%	$46.31
04/20/2011	05/05/2011	$0.103	0%	0.89%	$46.31
01/21/2011	02/07/2011	$0.103	0%	0.89%	$46.31
10/21/2010	11/05/2010	$0.103	0%	0.89%	$46.31
07/21/2010	08/05/2010	$0.103	0%	0.89%	$46.31
04/21/2010	05/05/2010	$0.103	0%	0.89%	$46.31
01/21/2010	02/05/2010	$0.103	0%	0.89%	$46.31
10/21/2009	11/05/2009	$0.103	0%	0.89%	$46.31
07/22/2009	08/05/2009	$0.103	0%	0.89%	$46.31
04/22/2009	05/05/2009	$0.103	0%	0.89%	$46.31
01/21/2009	02/05/2009	$0.103	0%	0.89%	$46.31
10/22/2008	11/05/2008	$0.103	0%	0.89%	$46.31
07/23/2008	08/05/2008	$0.103	0%	0.89%	$46.31
04/23/2008	05/05/2008	$0.103	0%	0.89%	$46.31
01/23/2008	02/05/2008	$0.093	0%	0.81%	$46.31
10/23/2007	11/05/2007	$0.093	0%	0.81%	$46.31
07/23/2007	08/06/2007	$0.093	0%	0.81%	$46.31
04/23/2007	05/07/2007	$0.093	0%	0.81%	$46.31
01/23/2007	02/05/2007	$0.083	0%	0.72%	$46.31
10/23/2006	11/06/2006	$0.083	0%	0.72%	$46.31
07/21/2006	08/07/2006	$0.083	0%	0.72%	$46.31
04/19/2006	04/28/2006	$0.083	0%	0.72%	$46.31
01/06/2006	01/25/2006	$0.077	0%	0.66%	$46.31
10/05/2005	10/25/2005	$0.077	0%	0.66%	$46.31
07/06/2005	07/25/2005	$0.077	0%	0.66%	$46.31
04/06/2005	04/25/2005	$0.077	0%	0.66%	$46.31
01/06/2005	01/25/2005	$0.070	0%	0.6%	$46.31
10/06/2004	10/25/2004	$0.070	0%	0.6%	$46.31
07/07/2004	07/26/2004	$0.070	0%	0.6%	$46.31
04/06/2004	04/26/2004	$0.070	0%	0.6%	$46.31
01/07/2004	01/23/2004	$0.063	0%	0.55%	$46.31
10/08/2003	10/24/2003	$0.063	0%	0.55%	$46.31
07/08/2003	07/25/2003	$0.063	0%	0.55%	$46.31
04/08/2003	04/25/2003	$0.063	0%	0.55%	$46.31
01/08/2003	01/24/2003	$0.057	0%	0.49%	$46.31
10/08/2002	10/25/2002	$0.057	0%	0.49%	$46.31
07/08/2002	07/25/2002	$0.057	0%	0.49%	$46.31
04/08/2002	04/25/2002	$0.057	0%	0.49%	$46.31
01/08/2002	01/25/2002	$0.050	0%	0.43%	$46.31
10/05/2001	10/25/2001	$0.050	0%	0.43%	$46.31
07/06/2001	07/25/2001	$0.050	0%	0.43%	$46.31
04/06/2001	04/25/2001	$0.050	0%	0.43%	$46.31
01/08/2001	01/25/2001	$0.043	0%	0.37%	$46.31
10/05/2000	10/25/2000	$0.043	0%	0.37%	$46.31
07/06/2000	07/25/2000	$0.043	0%	0.37%	$46.31
04/06/2000	04/25/2000	$0.043	0%	0.37%	$46.31
01/06/2000	01/25/2000	$0.030	0%	0.26%	$46.31
10/06/1999	10/25/1999	$0.030	0%	0.26%	$46.31
07/07/1999	07/26/1999	$0.030	0%	0.26%	$46.31
04/07/1999	04/26/1999	$0.030	0%	0.26%	$46.31
01/06/1999	01/25/1999	$0.030	0%	0.13%	$46.31
10/07/1998	10/26/1998	$0.030	0%	0.13%	$46.31
07/08/1998	07/24/1998	$0.030	0%	0.13%	$46.31
01/07/1998	01/26/1998	$0.025	0%	0.22%	$46.31
10/08/1997	10/24/1997	$0.025	0%	0.22%	$46.31

Projected Future Returns & Dividends for LKFN

Based on past 7.4-year performance, here are LKFN growth metrics:

Share price CAGR of +3.1%
Dividend CAGR of +10.87%

Using LKFN CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	LKFN (DRIP)	LKFN - No DRIP
Current Price	$58.06	$58.06
Start Shares	172.24	172.24
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	285.21	172.24
Dividends Payment	$1.46	$1.46
Annual Dividends	$1,665	$1,006
Yield on cost	16.65%	10.06%
Share Price	$78.81	$78.81
Total Dividends	$7,786	$5,954
Final Value	$22,477	$19,528

Estimated Future Value + Dividends - LKFN

NOTE: Above numbers are our estimate based on LKFN's Dividend and Price CAGR over past 7.4 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Lakeland Financial Corporation (LKFN) had its IPO on 1997-08-14, and is traded on NASDAQ stock exchange.

Lakeland Financial Corporation serves as the parent organization for Lake City Bank, offering a broad spectrum of banking and financial solutions. The company manages various deposit accounts, including non-interest-bearing and interest-bearing checking, savings, money market, NOW, and demand deposits. Its lending portfolio is diverse, providing commercial and industrial loans, financing for commercial real estate and multi-family residences, agri-business and agricultural loans, and a variety of consumer loans, such as 1-4 family mortgages. Beyond traditional banking, Lakeland Financial offers retail and merchant credit card services, advanced corporate treasury management, wealth advisory, and trust administration. It also facilitates retail brokerage, featuring investment vehicles like annuities and life insurance, and supports clients with mobile business banking and online treasury management platforms. The firm caters to a wide range of sectors, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, hospitality, and healthcare industries. Established in 1872, Lakeland Financial Corporation is headquartered in Warsaw, Indiana. As of December 31, 2021, it operated an extensive network of 51 branches across fifteen counties, with 45 located in northern Indiana and six in central Indiana.

LKFN website: https://www.lakecitybank.com

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Combined 55% Lifetime Discount

DCF Model — LKFN

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $58.06

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →