LKFN
Lakeland Financial Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
-17/100
Last price
57.98
▼ 0.33 (0.57%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
58.58
Prev close
58.31
Day high
58.84
Day low
57.84
Volume
169.89K
Market cap
$1.44B
P/E (TTM)
13.39
52W range
54.36 – 64.55
Day trading desk
Gap from prior close
+0.46%
Prior close 58.31
VWAP
58.11
-0.22% from price
Relative volume
1.47×
Normal
Session range
1.73%
57.84 – 58.84
Position in range
14%
Near session low
ATR (14D)
1.06
1.82% of price
Prior day high
59.04
PDH
Prior day low
58.27
PDL
Bid / ask spread
—
Quote not published
Session volume
256.31K
Avg 173.99K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.12%
-2.1%
1M
-4.28%
-5.4%
3M
-1.39%
-5.9%
6M
-1.66%
-19.8%
YTD
+1.61%
-12.6%
1Y
-9.24%
-25.7%
3Y
+22.17%
-60.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on LKFN open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-9.92K
Net selling
Buy transactions
1
162 shares
Sell transactions
5
10.09K shares
Net transactions
+6
Buys less sells
Sell : buy shares
62.3 : 1
Heavily one-sided
Insider-held shares
694.28K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 5, 26 | ROBINSON-GAY DONALD J. Officer |
SELL | 500 | $31.50K | Direct |
| Aug 5, 26 | TOOTHAKER BRADLEY J Director |
CONVERSION | 162 | $10.20K | Direct |
| Jul 30, 26 | CLARK KYRA E Officer |
SELL | 250 | $15.80K | Direct |
| May 29, 26 | TOOTHAKER BRADLEY J Director |
SELL | 5.90K | $357.65K | Direct |
| May 6, 26 | ROSS STEVEN D Director |
SELL | 1.30K | $81.25K | Direct |
| May 1, 26 | OTTINGER ERIC H Officer |
SELL | 2.14K | $131.34K | Direct |
| Mar 12, 26 | WELCH M SCOTT Director |
BUY | 10.00K | $562.31K | Indirect |
| Mar 9, 26 | WELCH M SCOTT Director |
BUY | 5.00K | $277.25K | Indirect |
| Feb 27, 26 | WELCH M SCOTT Director |
BUY | 10.00K | $579.50K | Indirect |
| Feb 23, 26 | TOOTHAKER BRADLEY J Director |
SELL | 5.68K | $331.79K | Direct |
| Feb 4, 26 | FINDLAY DAVID M Chief Executive Officer |
SELL | 3.00K | $189.06K | Direct |
| Feb 4, 26 | LENISKI STEPHANIE R Officer |
SELL | 1.67K | $104.49K | Direct |
| Feb 3, 26 | FINDLAY DAVID M Chief Executive Officer |
STOCK | 11.44K | $0 | Direct |
| Feb 3, 26 | LAHRMAN BROK A. Officer |
STOCK | 1.17K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BARTELS ROBERT E JR |
Director | 30.38K | Stock Award(Grant) |
FINDLAY DAVID M |
Chief Executive Officer | 129.10K | Sale |
O'NEILL LISA M |
Chief Financial Officer | 38.82K | Stock Award(Grant) |
OTTINGER ERIC H |
Officer | 33.26K | Sale |
PICHON EMILY ETHEL |
Director | 20.14K | Stock Award(Grant) |
PRUITT KRISTIN L |
President | 36.96K | Stock Award(Grant) |
ROSS STEVEN D |
Director | 27.00K | Sale |
SMITH BRIAN J |
Director | 42.09K | Stock Award(Grant) |
TRUEX MELINDA JO |
Director | — | Conversion of Exercise of derivative security |
WELCH M SCOTT |
Director | — | Purchase |
Fundamentals
Market cap$1.44B
Enterprise value$1.33B
Revenue (TTM)$273.69M
Gross profit$273.69M
EBITDA—
Net income$111.23M
EPS (TTM)$4.33
Free cash flow—
Total cash$194.13M
Total debt$77.89M
Book value / share$31.11
Shares outstanding24.86M
Float24.02M
Short % of float11.92%
Dividend yield3.59%
Beta (5Y)0.76
Valuation & profitability ratios
Trailing P/E13.39
Forward P/E12.86
PEG ratio1.44
Price / sales—
Price / book1.86
EV / revenue4.85
EV / EBITDA—
Gross margin0.00%
Operating margin51.46%
Profit margin40.64%
Return on equity15.00%
Return on assets1.57%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $268.99M | $253.52M | $246.89M | $244.75M | +6.1% |
| Operating revenue | $268.99M | $253.52M | $246.89M | $244.75M | +6.1% |
| Selling, general & admin | $78.65M | $70.19M | $62.51M | $60.53M | +12.1% |
| Pre-tax income | $125.58M | $111.69M | $110.33M | $125.16M | +12.4% |
| Tax provision | $22.22M | $18.21M | $16.57M | $21.35M | +22.0% |
| Net income | $103.36M | $93.48M | $93.77M | $103.82M | +10.6% |
| Net income to common | $103.36M | $93.48M | $93.77M | $103.82M | +10.6% |
| Basic EPS | 4.02 | 3.64 | 3.67 | 4.07 | +10.4% |
| Diluted EPS | 4.01 | 3.63 | 3.65 | 4.04 | +10.5% |
| Basic shares | 25.69M | 25.68M | 25.60M | 25.53M | +0.0% |
| Diluted shares | 25.80M | 25.77M | 25.72M | 25.71M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $141.32M | $168.21M | $151.82M | $130.28M | — | -16.0% |
| Accounts receivable | $29.00M | $28.45M | $30.01M | $27.99M | — | +1.9% |
| Property, plant & equipment | $65.54M | $60.49M | $57.90M | $58.10M | — | +8.4% |
| Goodwill & intangibles | $4.97M | $4.97M | $4.97M | $4.97M | — | 0.0% |
| Total assets | $6.99B | $6.68B | $6.52B | $6.43B | — | +4.7% |
| Current debt | $170.00M | $0 | — | — | — | — |
| Long-term debt | $14.20M | — | $50.00M | $275.00M | $75.00M | — |
| Total debt | $184.20M | $0 | $50.00M | $275.00M | — | — |
| Total liabilities | $6.23B | $5.99B | $5.87B | $5.86B | — | +3.9% |
| Retained earnings | $788.35M | $736.41M | $692.76M | $646.10M | — | +7.1% |
| Shareholder equity | $762.40M | $683.82M | $649.70M | $568.80M | — | +11.5% |
| Net tangible assets | $757.43M | $678.85M | $644.73M | $563.83M | — | +11.6% |
| Shares issued | 26.02M | 25.98M | 25.90M | 25.83M | — | +0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $103.36M | $93.48M | $93.77M | $103.82M | +10.6% |
| Depreciation & amortisation | $5.98M | $5.95M | $6.17M | $6.78M | +0.4% |
| Stock-based compensation | $8.56M | $4.59M | $3.65M | $7.81M | +86.6% |
| Change in working capital | -$13.46M | -$9.37M | $3.91M | $30.04M | -43.6% |
| Operating cash flow | $114.89M | $102.48M | $113.98M | $169.34M | +12.1% |
| Capital expenditure | -$11.12M | -$8.63M | -$5.99M | -$4.82M | -28.8% |
| Investing cash flow | -$325.42M | -$164.24M | -$54.93M | -$626.52M | -98.1% |
| Share buybacks | -$20.39M | -$592.00K | -$575.00K | -$579.00K | -3,344.4% |
| Dividends paid | -$51.43M | -$49.29M | -$47.11M | -$40.85M | -4.3% |
| Financing cash flow | $183.65M | $78.13M | -$37.51M | -$95.78M | +135.1% |
| Free cash flow | $103.77M | $93.85M | $107.99M | $164.52M | +10.6% |
| End cash position | $141.32M | $168.21M | $151.82M | $130.28M | -16.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $70.87M | $69.71M | $69.80M | $69.03M | $66.36M | +1.7% |
| Operating revenue | $70.87M | — | — | — | — | — |
| Selling, general & admin | $21.38M | $21.17M | $20.73M | $21.29M | $17.93M | +1.0% |
| Pre-tax income | $34.71M | $32.55M | $36.35M | $32.06M | $32.93M | +6.6% |
| Tax provision | $6.27M | $6.08M | $6.45M | $5.66M | $5.96M | +3.1% |
| Net income | $28.44M | $26.48M | $29.91M | $26.40M | $26.97M | +7.4% |
| Net income to common | $28.44M | $26.48M | $29.91M | $26.40M | $26.97M | +7.4% |
| Basic EPS | 1.14 | 1.04 | 1.16 | 1.03 | 1.05 | +9.6% |
| Diluted EPS | 1.13 | 1.04 | 1.16 | 1.03 | 1.04 | +8.7% |
| Basic shares | 25.06M | 25.34M | 25.62M | 25.70M | 25.71M | -1.1% |
| Diluted shares | 25.23M | 25.49M | 25.77M | 25.82M | 25.78M | -1.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $194.13M | $151.32M | $141.32M | $192.84M | $310.18M | — | +28.3% |
| Accounts receivable | $29.51M | $29.70M | $29.00M | $28.67M | $29.11M | — | -0.6% |
| Property, plant & equipment | $72.50M | $68.76M | $65.54M | $64.93M | $61.45M | — | +5.4% |
| Goodwill & intangibles | $4.97M | $4.97M | $4.97M | $4.97M | $4.97M | — | 0.0% |
| Total assets | $7.24B | $7.08B | $6.99B | $6.90B | $6.96B | — | +2.2% |
| Current debt | $70.00M | $50.00M | $170.00M | $55.00M | — | $107.00M | +40.0% |
| Long-term debt | $1.20M | $18.20M | $14.20M | $1.20M | $6.20M | — | -93.4% |
| Total debt | $71.20M | $68.20M | $184.20M | $56.20M | $6.20M | — | +4.4% |
| Total liabilities | $6.47B | $6.33B | $6.23B | $6.15B | $6.25B | — | +2.1% |
| Retained earnings | $817.00M | $801.62M | $788.35M | $771.29M | $757.74M | — | +1.9% |
| Shareholder equity | $773.28M | $748.90M | $762.40M | $747.41M | $709.90M | — | +3.3% |
| Net tangible assets | $768.32M | $743.93M | $757.43M | $742.44M | $704.93M | — | +3.3% |
| Shares issued | 24.86M | 26.06M | 26.02M | 26.02M | 26.02M | — | -4.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $28.44M | $26.48M | $29.91M | $26.40M | $26.97M | +7.4% |
| Depreciation & amortisation | $1.59M | $1.60M | $1.19M | $1.63M | $1.57M | -0.6% |
| Stock-based compensation | $2.06M | $2.38M | $2.44M | $3.55M | $336.00K | -13.5% |
| Change in working capital | -$6.10M | $836.00K | $2.44M | $2.35M | -$15.29M | -830.1% |
| Operating cash flow | $24.38M | $34.67M | $33.72M | $36.07M | $16.17M | -29.7% |
| Capital expenditure | -$5.25M | -$4.71M | -$2.20M | -$5.01M | -$2.12M | -11.3% |
| Investing cash flow | -$106.52M | -$91.82M | -$131.26M | -$37.82M | -$41.19M | -16.0% |
| Share buybacks | -$4.25M | -$19.61M | -$18.16M | -$224.00K | -$1.79M | +78.3% |
| Dividends paid | -$13.05M | -$13.21M | -$12.85M | -$12.85M | -$12.88M | +1.1% |
| Financing cash flow | $124.95M | $67.16M | $46.02M | -$115.59M | $99.97M | +86.0% |
| Free cash flow | $19.13M | $29.95M | $31.52M | $31.06M | $14.05M | -36.1% |
| End cash position | $194.13M | $151.32M | $141.32M | $192.84M | $310.18M | +28.3% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
55.00
-5.1% from spot
ATM implied vol
6.3%
Nearest strike to spot
Skew (10% OTM)
+55.2%
Puts bid over calls
Call volume
11
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
65.00
0 contracts
Heaviest put OI
55.00
1 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.08 | 1.13 | +5.1% |
| Mar 2026 | 1.01 | 1.04 | +2.7% |
| Dec 2025 | 1.06 | 1.16 | +9.9% |
| Sep 2025 | 1.04 | 1.03 | -1.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.09 | 5 | $73.74M | +5.1% |
| Next quarter | 1.12 | 5 | $74.23M | +4.7% |
| Current year | 4.38 | 5 | $290.76M | +6.3% |
| Next year | 4.51 | 5 | $305.22M | +5.0% |
Analyst targets & ownership
Mean target$66.50
High target$67.00
Low target$66.00
Implied upside14.69%
Analyst count4
ConsensusHOLD
Strong buy / Buy0 / 0
Hold5
Sell / Strong sell0 / 0
Held by insiders2.79%
Held by institutions88.23%
Institutions holding357
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
58.46
-0.83% from price
SMA 20
59.30
-2.22% from price
SMA 50
60.45
-4.09% from price
SMA 100
60.57
-4.27% from price
SMA 200
59.87
-3.16% from price
EMA 12
58.67
-1.18% from price
EMA 26
59.28
-2.20% from price
EMA 50
59.89
-3.18% from price
RSI (14)
40.2
Neutral
MACD (12,26,9)
-0.61
Hist -0.06
ATR (14)
1.06
1.82% of price
Realised vol 30D
14.4%
Annualised
Bollinger upper
61.25
20, 2σ
Bollinger lower
57.34
20, 2σ
50 / 200 cross
Golden
60.45 vs 59.87
Trend bias
Below 200
-3.16%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.35
Less volatile than market
Correlation to SPY
0.19
Largely independent
Realised vol 30D
14.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.3%
Peak to trough
Max drawdown 5Y
-49.2%
Peak to trough
ATR 14
1.06
1.82% of price
Beta (reported)
0.76
5Y monthly, from filing
Short interest
Shares short
2.41M
Prior 2.28M
Change vs prior
+5.8%
Shorts adding
% of float
11.92%
Elevated
% of shares out
9.69%
Against total outstanding
Days to cover
16.9
Crowded exit
Float
24.02M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jan 7, 26 | Hovde Group | DOWNGRADE | Outperform | Market Perform |
| Oct 28, 25 | Raymond James | MAINTAINED | Outperform | Outperform |
| Oct 28, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 28, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| May 6, 25 | Hovde Group | UPGRADE | Market Perform | Outperform |
| Apr 28, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 27, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 29, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 26, 24 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jan 26, 24 | Raymond James | MAINTAINED | Outperform | Outperform |
| Oct 26, 23 | Raymond James | MAINTAINED | Outperform | Outperform |
| Jul 24, 23 | Raymond James | MAINTAINED | Outperform | Outperform |
Dividends & splits
Forward rate$2.08 / yr
Forward yield3.59%
5-year avg yield2.70%
Payout ratio46.79%
Ex-dividend dateJul 24, 2026
Next pay dateAug 5, 2026
Last split3:2
Split dateAug 8, 2016
SEC filings
Periodic Financial Reports
10-Q · 2026-08-05
Corporate Changes & Voting Matters
8-K · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-07-14
Annual report of employee stock purchase
11-K · 2026-06-16
Periodic Financial Reports
10-Q · 2026-04-29
Corporate Changes & Voting Matters
8-K · 2026-04-27
Corporate Changes & Voting Matters
8-K · 2026-04-15
Corporate Changes & Voting Matters
8-K · 2026-04-14
Headlines
3 Cash-Heavy Stocks We Think Twice About
StockStory · 5d ago
Why Lakeland Financial (LKFN) is a Top Dividend Stock for Your Portfolio
Zacks · 7d ago
1 Bank Stock to Consider Right Now and 2 Facing Challenges
StockStory · 7d ago
Lake City Bank Named to Piper Sandler Sm-All Stars Class of 2026; Among Top 25 Small-cap Banks and Thrifts in the Country
GlobeNewswire · 15d ago
Lakeland Financial (LKFN) Could Be a Great Choice
Zacks · 23d ago
3 Reasons to Sell LKFN and 1 Stock to Buy Instead
StockStory · 25d ago
Are You Looking for a High-Growth Dividend Stock?
Zacks · 40d ago
Lake City Bank Ranked Among Top Performing U.S. Banks in Bank Director Magazine's 2026 RankingBanking
GlobeNewswire · 42d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.