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Lakeland Financial Corporation (LKFN)

Featured in Small-Cap Stocks

Lakeland Financial Corporation is a bank holding company headquartered in Warsaw, Indiana, and its common stock trades on NASDAQ under the symbol LKFN. Through Lake City Bank, the company serves customers in the United States with a range of deposit accounts, lending solutions, and fee-based financial services. Its banking activities include commercial and industrial lending, commercial real estate and multifamily financing, construction loans, agricultural credit, consumer mortgage lending, and other consumer and commercial loans. The company also provides treasury management, private banking, wealth advisory, brokerage-related services, credit card services, trust administration, and estate and financial planning support. Lakeland Financial serves customers across several industries, including real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, hospitality, and health care.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-LKFN
$78.87
28.3% Upside
Undervalued
$65
5.7% Upside
Fair
Good
July 24, 2026
August 5, 2026
2.08
3.4%
July 27, 2026
14.0x
2.0x
5.7x
1.545 B
—
4.6%
96.6%
-1.7
47.2%
97.1%
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Valuation • Fair Value

Lakeland Financial Corporation (NASDAQ-LKFN) Fair Value by Valuation Model

Compare the primary fair value estimate for Lakeland Financial Corporation (NASDAQ-LKFN) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$78.87

Estimated upside of 28.3% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$48.88

Classic Ben Graham valuation formula reference.

DDM Fair Value

$100.39

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$64.52

Comparable-company valuation reference.

Analyst Price Target

$65

Analysts imply upside of 5.7%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Lakeland Financial Corporation (NASDAQ-LKFN) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Lakeland Financial Corporation (NASDAQ-LKFN)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

267.9 M

Current operating scale indicator.

Revenue Forecast

291.4 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Lakeland Financial Corporation (NASDAQ-LKFN) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Lakeland Financial Corporation (NASDAQ-LKFN)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.7

Lower score that deserves closer risk review.

FCF / Net Income

97.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Lakeland Financial Corporation (NASDAQ-LKFN). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Lakeland Financial Corporation (NASDAQ-LKFN)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 27, 2026

Days to Earnings

6

Dividend Payment Date

August 5, 2026

Ex-Dividend Date

July 24, 2026

Dividend Yield

3.4%

Income yield reference.

Upcoming Dividend

2.08

Upcoming distribution amount.

Payment Type

Cash

Distribution type as reported in the data.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

47.2%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Lakeland Financial Corporation (NASDAQ-LKFN), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Lakeland Financial Corporation (NASDAQ-LKFN) Stock Forecast & Technical Outlook

Review Lakeland Financial Corporation (NASDAQ-LKFN) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Lakeland Financial Corporation (NASDAQ-LKFN) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Lakeland Financial Corporation (NASDAQ-LKFN) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Buy

The daily technical read for Lakeland Financial Corporation (NASDAQ-LKFN) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Lakeland Financial Corporation (NASDAQ-LKFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Lakeland Financial Corporation (NASDAQ-LKFN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Lakeland Financial Corporation (NASDAQ-LKFN)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Lakeland Financial Corporation (NASDAQ-LKFN) has a Hold consensus, with 0 buy, 4 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 4
Sell 0
FAQ • Fast Investor Answers

Lakeland Financial Corporation (NASDAQ-LKFN) Stock FAQ

Quick answers about Lakeland Financial Corporation (NASDAQ-LKFN) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$78.87
Estimated upside 28.3%
Valuation Rating
Undervalued
Estimated upside of 28.3%
Analyst Target
$65
Implied upside 5.7%
Financial Health
Good
Current financial-health read

The current fair value estimate for Lakeland Financial Corporation (NASDAQ-LKFN) is $78.87. This implies an estimated upside of 28.3% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 28.3% versus the current market price.

The available analyst price target for Lakeland Financial Corporation (NASDAQ-LKFN) is $65. The analyst target implies estimated upside of 5.7%.

The current financial health read for Lakeland Financial Corporation (NASDAQ-LKFN) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Lakeland Financial Corporation (NASDAQ-LKFN) is July 27, 2026.

Based on the current data, dividend yield is 3.4%, upcoming dividend amount is 2.08, ex-dividend date is July 24, 2026, payment date is August 5, 2026.

The current P/E ratio listed for Lakeland Financial Corporation (NASDAQ-LKFN) is 14.0x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Lakeland Financial Corporation is 1.545 B.

The ticker symbol for Lakeland Financial Corporation is NASDAQ-LKFN, and the stock is listed on NASDAQ.

Lakeland Financial Corporation (NASDAQ-LKFN) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Lakeland Financial Corporation is 4.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Lakeland Financial Corporation is 96.6%. Free float helps investors understand how much of the share base is available for public trading.

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