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Stocks · Financials · State Commercial Banks

LAKELAND FINANCIAL CORP

LKFN Clue Score67
United States Fiscal year ends December CIK 0000721994
$56.84 -1.06% Close, 9 Oct 2026
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Price $56.84 −22.69% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue0.9Net income52.1EPS, diluted2.05Fiscal year 2017Revenue1.0 +8.4%Net income57.3 +10.1%EPS, diluted2.23 +8.8%Fiscal year 2018Revenue1.0 −2.1%Net income80.4 +40.3%EPS, diluted3.13 +40.4%Fiscal year 2019Net income87.0 +8.3%EPS, diluted3.38 +8.0%Fiscal year 2020Net income84.3 −3.1%EPS, diluted3.30 −2.4%Fiscal year 2021Net income95.7 +13.5%EPS, diluted3.74 +13.3%Fiscal year 2022Net income103.8 +8.4%EPS, diluted4.04 +8.0%Fiscal year 2023Net income93.8 −9.7%EPS, diluted3.65 −9.7%Fiscal year 2024Net income93.5 −0.3%EPS, diluted3.63 −0.5%Fiscal year 2025Net income103.4 +10.6%EPS, diluted4.01 +10.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.9 1.0 1.0 n/a n/a n/a n/a n/a n/a n/a
Growth +8.4% −2.1%
Net income 52.1 57.3 80.4 87.0 84.3 95.7 103.8 93.8 93.5 103.4
Growth +10.1% +40.3% +8.3% −3.1% +13.5% +8.4% −9.7% −0.3% +10.6%
EPS, diluted 2.05 2.23 3.13 3.38 3.30 3.74 4.04 3.65 3.63 4.01
Growth +8.8% +40.4% +8.0% −2.4% +13.3% +8.0% −9.7% −0.5% +10.5%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin5,612.5%Free cash flow margin5,643.8%Fiscal year 2017Net margin5,698.8%Free cash flow margin6,725.6%Fiscal year 2018Net margin8,163.6%Free cash flow margin9,848.4%Fiscal year 2019Fiscal year 2020Fiscal year 2021Fiscal year 2022Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 5,612.5% 5,698.8% 8,163.6% n/a n/a n/a n/a n/a n/a n/a
Free cash flow margin 5,643.8% 6,725.6% 9,848.4% n/a n/a n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow62.2Capital expenditure−9.8Free cash flow52.4Buybacks−0.5Dividends paid−18.2Fiscal year 2017Operating cash flow77.2Capital expenditure−9.6Free cash flow67.7 +29.2%Buybacks−0.5Dividends paid−21.4Fiscal year 2018Operating cash flow105.0Capital expenditure−8.0Free cash flow97.0 +43.4%Buybacks−0.5Dividends paid−25.3Fiscal year 2019Operating cash flow100.0Capital expenditure−8.0Free cash flow92.0 −5.1%Buybacks−0.5Dividends paid−29.6Fiscal year 2020Operating cash flow87.2Capital expenditure−5.7Free cash flow81.5 −11.4%Buybacks−10.5Dividends paid−30.6Fiscal year 2021Operating cash flow113.8Capital expenditure−6.2Free cash flow107.6 +32.0%Buybacks−0.6Dividends paid−34.6Fiscal year 2022Operating cash flow169.3Capital expenditure−4.8Free cash flow164.5 +52.9%Buybacks−0.6Dividends paid−40.8Fiscal year 2023Operating cash flow114.0Capital expenditure−6.0Free cash flow108.0 −34.4%Buybacks−0.6Dividends paid−47.1Fiscal year 2024Operating cash flow102.5Capital expenditure−8.6Free cash flow93.9 −13.1%Buybacks−0.6Dividends paid−49.3Fiscal year 2025Operating cash flow114.9Capital expenditure−11.1Free cash flow103.8 +10.6%Buybacks−20.4Dividends paid−51.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 62.2 77.2 105.0 100.0 87.2 113.8 169.3 114.0 102.5 114.9
Capital expenditure −9.8 −9.6 −8.0 −8.0 −5.7 −6.2 −4.8 −6.0 −8.6 −11.1
Free cash flow 52.4 67.7 97.0 92.0 81.5 107.6 164.5 108.0 93.9 103.8
Growth +29.2% +43.4% −5.1% −11.4% +32.0% +52.9% −34.4% −13.1% +10.6%
Buybacks −0.5 −0.5 −0.5 −0.5 −10.5 −0.6 −0.6 −0.6 −0.6 −20.4
Dividends paid −18.2 −21.4 −25.3 −29.6 −30.6 −34.6 −40.8 −47.1 −49.3 −51.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash167.3Shareholders’ equity427.0Fiscal year 2017Cash176.2Shareholders’ equity468.6Fiscal year 2018Cash216.9Shareholders’ equity521.6Fiscal year 2019Cash99.4Shareholders’ equity598.0Fiscal year 2020Cash249.9Shareholders’ equity657.1Fiscal year 2021Cash683.2Total debt75.0Net cash (debt)608.2Shareholders’ equity704.8Debt to equity0.11Fiscal year 2022Cash130.3Total debt297.0Net cash (debt)−166.7Shareholders’ equity568.8Debt to equity0.52Fiscal year 2023Cash151.8Total debt50.0Net cash (debt)101.8Shareholders’ equity649.7Debt to equity0.08Fiscal year 2024Cash168.2Shareholders’ equity683.8Fiscal year 2025Cash141.3Shareholders’ equity762.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 167.3 176.2 216.9 99.4 249.9 683.2 130.3 151.8 168.2 141.3
Total debt n/a n/a n/a n/a n/a 75.0 297.0 50.0 n/a n/a
Net cash (debt) n/a n/a n/a n/a n/a 608.2 −166.7 101.8 n/a n/a
Shareholders’ equity 427.0 468.6 521.6 598.0 657.1 704.8 568.8 649.7 683.8 762.4
Debt to equity n/a n/a n/a n/a n/a 0.11 0.52 0.08 n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
0.9 1.0 1.0 n/a n/a n/a n/a n/a n/a n/a
Growth +8.4% −2.1%
77.2 89.6 98.9 107.4 103.9 117.4 125.2 110.3 111.7 125.6
25.1 32.3 18.5 20.3 19.5 21.7 21.3 16.6 18.2 22.2
52.1 57.3 80.4 87.0 84.3 95.7 103.8 93.8 93.5 103.4
Growth +10.1% +40.3% +8.3% −3.1% +13.5% +8.4% −9.7% −0.3% +10.6%
Per share
2.08 2.28 3.18 3.40 3.31 3.76 4.07 3.67 3.64 4.02
2.05 2.23 3.13 3.38 3.30 3.74 4.04 3.65 3.63 4.01
Growth +8.8% +40.4% +8.0% −2.4% +13.3% +8.0% −9.7% −0.5% +10.5%
25.1 25.2 25.3 25.6 25.5 25.5 25.5 25.6 25.7 25.7
25.5 25.7 25.7 25.8 25.6 25.6 25.7 25.7 25.8 25.8
Growth +0.8% +0.3% +0.1% −0.7% +0.2% +0.4% +0.0% +0.2% +0.1%

Five years in brief

Worked out from the figures above, not from a press release
  • The share count barely moved in five years.
  • Profitable in every one of the 10 years on file.