LKFN · Lakeland Financial Corp
$62.65
+0.08 (+0.13%)
At close · Jul 31
Market Cap
$1.56B
Shares
24.91M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$62.65
Open$62.52
Day$61.89–63.04
52W$54.36–68.24
Avg vol 30d234K
Short int2.2M · 8.8% float · 9.7d
Short vol67%
Last earningsJul 27, 2026
DataJan 2020–Jul 2026
Filing10-Q · Apr 29
Up next
Next earnings call
Oct 26, 2026
Est · unconfirmed
· in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Apr 29, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Neutral
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 16 · calm
Equity put/call 0.63
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+5%
above
Price vs 50-day avg
+3%
above
RSI (14)
54
neutral
MACD trend
Positive
52-week position
60%
mid-range
Momentum
relative strength
1-month return
0%
trailing
6-month return
0%
trailing
YTD return
+11%
this year
Relative strength
−8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $61 › 200d $60 — 50d above 200d
Institutional flow
Accumulating
62 of 234 funds reported for Jun 30 · net +70.0K sh shares · +10 new
Insider flow
Distributing
Net -$454.7K over 90 days · 100% sells
Short interest
Rising
8.84% of float · ▲ +8.2% MoM · 9.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
234 holders — mid 3-yr range
Squeeze score
72
high risk · 0–100
Fundamentals
Revenue growth
−2%
Y/Y
EPS growth
+10%
Y/Y
Free cash flow
$103.8M
Valuation
P/E 14.7
in line
Buyback
$21.2M
remaining
Balance sheet
$91.3M
net cash
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−19%
past year
ATR
2.4%
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 Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+5%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
54
Neutral
MACD trend
Positive
Bullish
52-week position
60%
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $61 › 200d $60 — 50d above 200d
Institutional flow
Accumulating
62 of 234 funds reported for Jun 30 · net +70.0K sh shares · +10 new
Insider flow
Distributing
Net -$454.7K over 90 days · 100% sells
Short interest
Rising
8.84% of float · ▲ +8.2% MoM · 9.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
234 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $54
Now $63 · 60%
52-wk high $68
vs 200-day avg +5%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted tangible common equity to adjusted tangible assets non-GAAP | 12.14% | Q2 2026 | — |
| Average total loans | 5.53B | Q2 2026 | — |
| Commercial and industrial line of credit usage | 43% | Q2 2026 | — |
| Core deposits | 6.03B | Q2 2026 | — |
| Net interest margin | 3.49% | Q2 2026 | — |
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| Nonaccrual loans | 19.9M | Q2 2026 | — |
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| Return on average assets | 1.59% | Q2 2026 | — |
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| Tangible book value per share non-GAAP | $30.75 | Q2 2026 | — |
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| Total capital as a percentage of risk-weighted assets | 15.61% | Q2 2026 | — |
| Total loans, net of deferred loan fees | 5.58B | Q2 2026 | — |
| Watch list loans as a percentage of total loans | 3.55% | Q2 2026 | — |
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| Average deposits | $6.06B | first quarter of 2026 | — |
| Average loans | $5.44B | first quarter of 2026 | — |
| Common equity tier 1 capital ratio | 14.45% | First Quarter 2026 | — |
| Pretax pre-provision earnings non-GAAP | $34.6M | three months ended March 31, 2026 | — |
| Return on average equity | 13.89% | First Quarter 2026 | — |
| Tangible capital ratio non-GAAP | 10.53% | First Quarter 2026 | — |
| Tangible common equity to tangible assets ratio non-GAAP | 10.53% | March 31, 2026 | — |
| Total risk-based capital ratio | 15.58% | First Quarter 2026 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
LKFN
this stock
Lakeland Financial Corp
|
$1.56B | +10.7% | -2.1% | 14.7 | 8.8% |
|
MFG
Mizuho Financial Group Inc
|
$127.18B | +42.6% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$122.88B | -34.5% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$107.56B | +0.6% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.34B | +20.6% | +7.2% | 14.5 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| LKFN | +2.5% | +0.4% | +0.1% | +1.5% | +10.7% |
| SPY | +1.1% | +0.3% | +8.2% | +0.0% | +9.6% |
| vs SPY | +1.4% | +0.1% | -8.1% | +1.5% | +1.2% |
Capital returns
Latest dividend
$0.52
/ share · ex Jul 24, 2026
Paid (TTM)
$2.06
/ share · 4 payouts
Dividend yield (TTM, derived)
3.29%
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)
59 filings
59 filers
Visit website
Investor relations