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- LKFN
as of 03-12-2026 3:59pm EST
$56.50
$0.25
-0.44%
Lakeland Financial Corp is a bank holding company. It provides commercial, retail, wealth advisory, and investment management services. It offers a broad line of products and services throughout its Northern and Central Indiana markets. The company provides commercial and consumer banking services, as well as trust and wealth management, brokerage, and treasury management commercial services. It serves a wide variety of industries including, among others, commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare.
| Founded: | 1872 | Country: | United States |
| Employees: | N/A | City: | WARSAW |
| Market Cap: | 1.5B | IPO Year: | 2009 |
| Target Price: | $67.00 | AVG Volume (30 days): | 123.4K |
| Analyst Decision: | Hold | Number of Analysts: | 3 |
| Dividend Yield: | Dividend Payout Frequency: | quarterly | |
| EPS: | 4.01 | EPS Growth: | 10.47 |
| 52 Week Low/High: | $50.00 - $69.38 | Next Earning Date: | 04-27-2026 |
| Revenue: | $985,000 | Revenue Growth: | -2.09% |
| Revenue Growth (this year): | 15.08% | Revenue Growth (next year): | 5.18% |
| P/E Ratio: | 14.15 | Index: | N/A |
| Free Cash Flow: | 103.8M | FCF Growth: | +10.56% |
Stock Insider Trading Activity of Lakeland Financial Corporation (LKFN)
WELCH M SCOTT
Buy
Director
LKFN Mar 12, 2026
Avg Cost/Share
$56.23
Shares
10,000
Total Value
$562,314.00
Owned After
212,006
SEC Form 4
WELCH M SCOTT
Buy
Director
LKFN Mar 9, 2026
Avg Cost/Share
$55.45
Shares
5,000
Total Value
$277,250.00
Owned After
212,006
SEC Form 4
WELCH M SCOTT
Buy
Director
LKFN Feb 27, 2026
Avg Cost/Share
$57.95
Shares
10,000
Total Value
$579,500.00
Owned After
212,006
SEC Form 4
Toothaker Bradley J
Sell
Director
LKFN Feb 23, 2026
Avg Cost/Share
$58.36
Shares
5,685
Total Value
$331,792.52
Owned After
20,178
SEC Form 4
FINDLAY DAVID M
Sell
CEO
LKFN Feb 4, 2026
Avg Cost/Share
$63.02
Shares
3,000
Total Value
$189,057.00
Owned After
113,918
SEC Form 4
Leniski Stephanie R
Sell
Executive Vice President
LKFN Feb 4, 2026
Avg Cost/Share
$62.76
Shares
1,665
Total Value
$104,487.08
Owned After
8,355
SEC Form 4
Lahrman Brok A
Sell
SVP, Chief Accounting Officer
LKFN Feb 2, 2026
Avg Cost/Share
$60.76
Shares
275
Total Value
$16,709.00
Owned After
3,504
SEC Form 4
O'Neill Lisa M
Sell
EVP & CFO
LKFN Feb 2, 2026
Avg Cost/Share
$60.74
Shares
2,900
Total Value
$176,146.00
Owned After
34,066
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| WELCH M SCOTT | LKFN | Director | Mar 12, 2026 | Buy | $56.23 | 10,000 | $562,314.00 | 212,006 | |
| WELCH M SCOTT | LKFN | Director | Mar 9, 2026 | Buy | $55.45 | 5,000 | $277,250.00 | 212,006 | |
| WELCH M SCOTT | LKFN | Director | Feb 27, 2026 | Buy | $57.95 | 10,000 | $579,500.00 | 212,006 | |
| Toothaker Bradley J | LKFN | Director | Feb 23, 2026 | Sell | $58.36 | 5,685 | $331,792.52 | 20,178 | |
| FINDLAY DAVID M | LKFN | CEO | Feb 4, 2026 | Sell | $63.02 | 3,000 | $189,057.00 | 113,918 | |
| Leniski Stephanie R | LKFN | Executive Vice President | Feb 4, 2026 | Sell | $62.76 | 1,665 | $104,487.08 | 8,355 | |
| Lahrman Brok A | LKFN | SVP, Chief Accounting Officer | Feb 2, 2026 | Sell | $60.76 | 275 | $16,709.00 | 3,504 | |
| O'Neill Lisa M | LKFN | EVP & CFO | Feb 2, 2026 | Sell | $60.74 | 2,900 | $176,146.00 | 34,066 |
Earnings Transcripts
SEC 8-K filings with transcript text
2025 Q4 Q4 2025 Earnings
8-K SELL Jan 26, 2026 · 100% conf.
2025
Q4
Q4 2025 Earnings
8-K SELLJan 26, 2026 · 100% conf.
AI Prediction SELL
1D
+0.24%
$61.45
Act: -2.09%
5D
-5.79%
$57.75
Act: -0.88%
20D
-5.05%
$58.20
Act: -5.35%
Price: $61.30 Prob +5D: 0% AUC: 1.000
0000721994-26-000012
lkfn-202601260000721994FALSE00007219942026-01-262026-01-26
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of report (Date of earliest event reported): January 26, 2026
LAKELAND FINANCIAL CORPORATION
(Exact name of Registrant as specified in its charter)
Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
202 East Center Street, Warsaw,Indiana46580 (Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code: (574) 267-6144
(Former name or former address if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, no par value LKFN The Nasdaq Stock Market, LLC
Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (s230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (s240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the Registrant has elected not to use extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Item 2.02. Results of Operations and Financial Condition
On January 26, 2026, Lakeland Financial Corporation (the “Company”) issued a press release announcing its earnings for the three and twelve months ended December 31, 2025. The press release is furnished herewith as Exhibit 99.1.
The disclosure in this Item 2.02 and the related exhibit under Item 9.01 are being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The disclosure in this Item 2.02 and the related exhibit under Item 9.01 shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.
Item 9.01. Financial Statements and Exhibits
(d)Exhibits
99.1 Press Release dated January 26, 2026
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
LAKELAND FINANCIAL CORPORATION
Dated: January 26, 2026 By:/s/ Lisa M. O’Neill Lisa M. O’Neill Executive Vice President and Chief Financial Officer
2025 Q3 Q3 2025 Earnings
8-K Oct 27, 2025
2025
Q3
Q3 2025 Earnings
8-KOct 27, 2025
0000721994-25-000224
lkfn-202510270000721994FALSE00007219942025-10-272025-10-27
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of report (Date of earliest event reported): October 27, 2025
LAKELAND FINANCIAL CORPORATION
(Exact name of Registrant as specified in its charter)
Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
202 East Center Street, Warsaw,Indiana46580 (Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code: (574) 267-6144
(Former name or former address if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, no par value LKFN The Nasdaq Stock Market, LLC
Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (s230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (s240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the Registrant has elected not to use extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Item 2.02. Results of Operations and Financial Condition
On October 27, 2025, Lakeland Financial Corporation (the “Company”) issued a press release announcing its earnings for the three and nine months ended September 30, 2025. The press release is furnished herewith as Exhibit 99.1.
The disclosure in this Item 2.02 and the related exhibit under Item 9.01 are being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The disclosure in this Item 2.02 and the related exhibit under Item 9.01 shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.
Item 9.01. Financial Statements and Exhibits
(d)Exhibits
99.1 Press Release dated October 27, 2025
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
LAKELAND FINANCIAL CORPORATION
Dated: October 27, 2025 By:/s/ Lisa M. O’Neill Lisa M. O’Neill Executive Vice President and Chief Financial Officer
2025 Q2 Q2 2025 Earnings
8-K Jul 25, 2025
2025
Q2
Q2 2025 Earnings
8-KJul 25, 2025
0000721994-25-000188
lkfn-202507250000721994FALSE00007219942025-07-252025-07-25
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of report (Date of earliest event reported): July 25, 2025
LAKELAND FINANCIAL CORPORATION
(Exact name of Registrant as specified in its charter)
Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
202 East Center Street, Warsaw,Indiana46580 (Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code: (574) 267-6144
(Former name or former address if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, no par value LKFN The Nasdaq Stock Market, LLC
Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (s230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (s240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the Registrant has elected not to use extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Item 2.02. Results of Operations and Financial Condition
On July 25, 2025, Lakeland Financial Corporation (the “Company”) issued a press release announcing its earnings for the three and six months ended June 30, 2025. The press release is furnished herewith as Exhibit 99.1.
The disclosure in this Item 2.02 and the related exhibit under Item 9.01 are being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The disclosure in this Item 2.02 and the related exhibit under Item 9.01 shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.
Item 9.01. Financial Statements and Exhibits
(d)Exhibits
99.1 Press Release dated July 25, 2025
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
LAKELAND FINANCIAL CORPORATION
Dated: July 25, 2025 By:/s/ Lisa M. O’Neill Lisa M. O’Neill Executive Vice President and Chief Financial Officer
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