LKFN · Lakeland Financial Corp

Track LKFN — free

$60.07 -1.41 (-2.29%) At close · Aug 19

Market Cap

$1.54B

24.86M

Up next

Next earnings call

Oct 26, 2026 Scheduled · in 10 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 5, 2026

Equibles Rating

blended score · not investment advice

Overall

Neutral

SellHoldBuy

Technical Neutral Momentum Weak Sentiment Bullish Fundamentals Strong Quant / Vol Moderate

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +1%

above

Price vs 50-day avg −3%

below

RSI (14) 39

neutral

MACD trend Negative

52-week position 37%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Weak

1-month return −2%

trailing

6-month return 0%

trailing

YTD return +5%

this year

Relative strength −12%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $62 › 200d $60 — 50d above 200d

Institutional flow Accumulating

+8% holders QoQ · +46 funds added

Insider flow Distributing

Net -$405.0K over 90 days · 100% sells

Short interest Falling

8.74% of float · ▼ -1.3% MoM · 13.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

254 holders — near 3-yr high, broad support

Squeeze score 71

high risk · 0–100

Fundamentals

Strong

Revenue growth −2%

Y/Y

EPS growth +10%

Y/Y

Free cash flow $103.8M

Valuation P/E 14.2

in line

Buyback $21.2M

remaining

Balance sheet $138.7M

net debt

Quant / Vol

risk profile

Moderate

Volatility 25%

annualized · 1-yr

Max drawdown −20%

past year

ATR 2.2%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral

1 · 5 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+1% Bullish

Price vs 50-day avg

−3% Neutral

RSI (14)

39 Neutral

MACD trend

Negative Bearish

52-week position

37% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 3 of 6

Trend (MA cross) No cross

50d $62 › 200d $60 — 50d above 200d

Institutional flow Accumulating

+8% holders QoQ · +46 funds added

Insider flow Distributing

Net -$405.0K over 90 days · 100% sells

Short interest Falling

8.74% of float · ▼ -1.3% MoM · 13.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

254 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $55 Now $60 · 37% Range high $69

vs 200-day avg +1% vs 50-day avg -3%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted Tangible Assets non-GAAP	7.36B	Three Months Ended June 30, 2026	—
Adjusted Tangible Common Equity non-GAAP	893.53M	Three Months Ended June 30, 2026	—
Adjusted Tangible Common Equity/Adjusted Tangible Assets non-GAAP	12.14%	Three Months Ended June 30, 2026	—
Average deposits	6.31B	Q2 2026	—

Average loans	5.53B	Q2 2026	—

Average noninterest-bearing demand deposits	1.23B	the second quarter of 2026	—
Branch offices	55	as of press release date	—
Commercial deposits	2.11B	June 30, 2026	—
Common equity tier 1 capital ratio	14.47%	Q2 2026	—

Efficiency ratio	49.5%	the six months ended June 30, 2026	—
Net charge offs	$24,000	the second quarter of 2026	—
Net interest margin	3.49%	Q2 2026	—

Nonaccrual loans	19.9M	Q2 2026	—

Pretax Pre-Provision Earnings non-GAAP	36.42M	Three Months Ended June 30, 2026	—

Public funds deposits	2.15B	June 30, 2026	—
Retail deposits	1.77B	June 30, 2026	—
Return on average assets	1.59%	Q2 2026	—

Return on average equity	15%	Q2 2026	—

Tangible Assets non-GAAP	7.24B	Three Months Ended June 30, 2026	—
Tangible Book Value Per Common Share non-GAAP	$30.75	Three Months Ended June 30, 2026	—
Tangible capital ratio non-GAAP	10.63%	Q2 2026	—

Tangible Common Equity non-GAAP	769.57M	Three Months Ended June 30, 2026	—
Tangible common equity to tangible assets ratio non-GAAP	10.63%	Q2 2026	—
Tangible Common Equity/Tangible Assets non-GAAP	10.63%	Three Months Ended June 30, 2026	—
Total individually analyzed and watch list loans	198M	June 30, 2026	—
Total investment securities	1.17B	June 30, 2026	—
Total risk-based capital ratio	15.61%	Q2 2026	—

Watch list loans as a percentage of total loans	3.55%	Q2 2026	—

Tangible book value per share non-GAAP	$29.69	First Quarter 2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
LKFN Lakeland Financial Corp this stock	$1.54B	+5.3%	-2.1%	14.2	8.7%
MFG Mizuho Financial Group Inc	$131.93B	+38.5%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.6%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-1.2%	—	—	0.5%
PNC Pnc Financial Services Group, Inc.	$101.11B	+18.1%	+7.2%	14.0	1.8%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

254

% held: 84.4%
Net QoQ: +144.4K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

257

View

Short & Settlement

Short Interest Falling

Shares short

2.2M

Days to cover: 13.4d
Change: -28.2K sh

View

Short Volume

Short vol %

63%

As of: Aug 19, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $6.2K
As of: Jul 29, 2026

View

Off-Exchange

Off-exchange %

30.4%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$405.0K

Buyers / Sellers: 0 / 3

Buyers Sellers

View

Financials

Net income (FY)

$103.4M

EPS diluted: $4.01

View

Buybacks

Authorized

$60.0M

Remaining: $21.2M

Spent Remaining

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 5, 2026
This year: 16

View

Proposed Sales

Value

$357.7K

Shares: 5.9K
Filed: May 29, 2026

View

Earnings & Events

Earnings Calls Upcoming

Next call

Sep 9, 2026

Last call: Jul 27, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
LKFN	-3.5%	-2.0%	+0.1%	-4.1%	+5.3%
SPY	-0.4%	+2.9%	+11.6%	+3.0%	+12.8%
vs SPY	-3.1%	-4.9%	-11.5%	-7.1%	-7.5%

Capital returns

Latest dividend

$0.52 / share · ex Jul 24, 2026

Raised 4%

Paid (TTM)

$2.06 / share · 4 payouts

Dividend yield (TTM, derived)

3.43%

Buyback program · as of Mar 31, 2026

Authorized

$60.00M

Spent (derived)

$38.80M

Remaining

$21.20M

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 721994 CUSIP 511656100 13F (30d) 231 filings 227 filers Visit website Investor relations

LKFN · Lakeland Financial Corp

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns