LAKELAND FINANCIAL CORP
LKFNOther · Large accelerated filer · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $20.1M | $23.4M | $93.8M | $103.8M | $95.7M | $17.3M |
| Total assets | $6.99B | $6.68B | $6.52B | $6.43B | $6.56B | $5.83B |
| Total liabilities | $6.23B | $5.99B | $5.87B | $5.86B | $5.85B | $5.17B |
| Equity | $762.4M | $683.8M | $649.7M | $568.8M | $704.8M | $657.1M |
| EPS (diluted) | $0.78 | $0.91 | $3.65 | $4.04 | $3.74 | $0.67 |
| Shares out. | 25.6M | 25.5M | 25.4M | 25.3M | 25.3M | 25.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.6%
- Return on assets
- 0.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.1%
- Debt / equity
- 8.17×
- Book value / share
- $29.83
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −14.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −1.4%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- State Street CorpPassive (13G)May 12, 2026
- Blackrock, Inc.Passive (13G)Apr 24, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Victory Capital Management IncPassive (13G)Aug 8, 2025
- Neuberger Berman Group LlcPassive (13G)Jul 21, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Toothaker Bradley JDirector | May 29, 2026 | Sell | 5,900 | $60.62 |
| Ross Steven DDirector | May 5, 2026 | Sell | 19 | $62.50 |
| Ottinger Eric HOfficer — Executive Vice President | May 1, 2026 | Sell | 2,136 | $61.49 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.9M | 8.7 | -4.9% |
| Apr 30, 2026 | 2.0M | 14.5 | -3.5% |
| Apr 15, 2026 | 2.0M | 19.4 | -1.4% |
| Mar 31, 2026 | 2.1M | 8.2 | -2.2% |
| Mar 13, 2026 | 2.1M | 11.8 | +5.7% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Regulation FD disclosureApr 27, 2026
- Results of operationsApr 27, 2026
- Shareholder voteApr 15, 2026
- Regulation FD disclosureApr 14, 2026
- Other material eventMar 6, 2026
- Regulation FD disclosureJan 26, 2026
- Results of operationsJan 26, 2026
- Director / officer changeJan 15, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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