LAKELAND FINANCIAL CORP (LKFN)
Financials · regional banks · NASDAQ
Lakeland Financial is a community-focused bank holding company providing comprehensive financial services primarily across the state of Indiana.
What LAKELAND FINANCIAL CORP does
Lakeland Financial Corporation is a bank holding company that operates primarily through its subsidiary, Lake City Bank. The bank provides a broad range of financial services including commercial, retail, wealth advisory, and trust services, primarily serving markets in Indiana.
Themes: commercial banking, wealth advisory services, community banking
Fundamentals
- Price$57.45 as of 2026-10-08 close
- Market cap$1.4B as of 2026-07-29 (share count; price 2026-10-08)
- 1-year return-9.2% 2025-10-08 close $63.30 → 2026-10-08 close $57.45
- P/E13.21 as of 2026-10-08
- ROE+13.6% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Beta0.69 as of 2026-09-03
- Last reported earnings2026-07-27 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.5%; at least 12 years of non-decreasing per-share dividends (SEC XBRL) — a stock split inside this window left the earlier years on a different per-share basis, so the real streak may be longer.
How LKFN compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, LKFN's dividend was covered by reported results (earnings payout 50%, free-cash-flow payout 50%). This describes past coverage, not a forecast.
- Earnings payout50% dividends / net income
- Free-cash-flow payout50% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How LAKELAND FINANCIAL CORP looks technically
LAKELAND FINANCIAL CORP (LKFN) is trading 4.0% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 78 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 38, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago. Trading volume is running unusually high — about 2.4× its 30-day average, a sign of heightened interest.
Trend
8
| Distance from the 200-day | it is trading 4.0% below its 200-day average, the long-term trend line — a long-term downtrend | -4.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $60.20 | $60.20 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $59.84 | $59.84 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 24 calendar days ago — the swings before that are what the structure reading is measured on | 24 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 61.82. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 78 trading days ago — a "golden cross", a bullish long-term signal | 78 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend) | 24.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 38, neither overbought (above 70) nor oversold (below 30) | 38.3 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($56.45 to $60.58) — its "stochastic" reading is 24 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 24.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 13 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $65.43 | $65.43 |
|---|---|---|
| From the 52-week high | it is 12.2% below its 52-week high (its highest price of the past year) | -12.2% |
| Above the 52-week low | it is 5.7% above its 52-week low (its lowest price of the past year) | +5.7% |
| Below the 52-week high | it is 12.2% below its highest point of the past year | 12.2% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $85.71 (set on 2022-01-18) | $85.71 |
| Given back of the 52-week move | over the past year its closes ranged ($55.03 to $64.20), and it has recovered roughly a quarter of its fall from last year’s high — 26% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $60.70 to $60.99. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 26.4% |
| From the all-time high | it is 33.0% below its all-time high | -33.0% |
| Nearest price level | it is trading 0.9% below a resistance level at $57.97 — a price it turned at 11 times since 2025-04-23, most recently on 2026-08-27. Since 2024-10-08 it has 3 such levels below the current price and 9 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.9% |
| All-time low | its lowest closing price on record is $9.43 (set on 2009-03-09) | $9.43 |
| Above the all-time low | it is 509.4% above its all-time low | +509.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 49th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.14 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.14 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $56.86 and $61.13 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $56.86 – $58.99 – $61.13 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 2.1 daily ranges below its 200-day average price (4.0% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.1 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.4× its 30-day average, a sign of heightened interest | 2.36× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a hammer | 5 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 5 sessions ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.1% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.1% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 5.3 percentage points (the stock lost 4.2% while the market gained 1.0%) | -5.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 6.1 percentage points (the stock lost 2.3% while the market gained 3.8%) | -6.1% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 19.0 percentage points (the stock lost 1.6% while the market gained 17.5%) | -19.0% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 24.2 percentage points (the stock lost 9.2% while the market gained 15.0%) | -24.2% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.2% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 1.6% of the share price, which is taken to mean a barrier that gives way easily. | -5.2% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 4% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $59.77 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -3.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 5% below the average price paid since it last reported on 2026-07-27 (its 8-K), so the typical buyer over that stretch is under water. That average is $60.27 — a volume-weighted average of daily closes over 53 sessions, not a true tick-by-tick VWAP. | -4.7% |
Channel down, bearish — forming · entry $56.61 · 59 sessions in
Price levels it has turned at before
LKFN last closed at $57.45 on 2026-10-08. Since 2024-10-08 it has turned at 3 prices below its last close and 9 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $57.97 | Resistance | 0.9% above the last close | turned there 11 times · 2025-04-23 to 2026-08-27 |
| $56.06 | Support | 2.4% below the last close | turned there four times · 2025-11-03 to 2026-05-18 |
| $59.97 | Resistance | 4.4% above the last close | turned there 10 times · 2025-03-11 to 2026-08-10 |
| $54.59 | Support | 5.0% below the last close | turned there three times · 2025-05-23 to 2026-03-19 |
| $62.24 | Resistance | 8.3% above the last close | turned there 14 times · 2024-10-25 to 2026-09-14 |
| $50.37 | Support | 12.3% below the last close | turned there twice · 2025-04-14 to 2025-04-25 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $61.82.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $51.81 and $55.63 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $61.82.
This reading has stood for 14 trading days, since 2026-09-21.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Unusually heavy trading volume · Broke down to a new 20-day low · lagging the market · Printed a bullish engulfing pair · Least volatile (2% or less typical daily range) | Learn: moving average · golden cross · adx · rsi · breakout · volume and relative volume
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (3.00 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$66.50 range $66.00 – $67.00
Analyst estimates, as of 2026-10-03. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for LKFN
- Consensus EPS estimate$1.09 next reporting period, as of 2026-10-03
- Estimate change, 30 days-$0.002 (-0.2%) from $1.09, on 2026-08-29, 35-day window
- Readings revised upward13% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["exposure to interest rate fluctuations impacting net interest margin","credit risk associated with the loan portfolio","dependence on economic conditions in Indiana markets"]
What changed in the latest 10-Q
AI-assisted comparison of LKFN's 10-Q filed 2026-04-29 against the prior one filed 2025-10-29.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing compares Q1 2026 to Q1 2025; older filing compared 9M 2025 to 9M 2024 and Q3 2025 to Q3 2024 (different reporting periods)
- Newer filing includes comparison of tangible common equity to tangible assets ratio at December 31, 2025 (10.86%) and March 31, 2026 (10.53%)
- Newer filing reports unrealized losses comparison at December 31, 2025 ($143.3 million) and March 31, 2026 ($154.5 million)
- Newer filing reports adjusted tangible capital ratio comparison at December 31, 2025 (12.45%) and March 31, 2026 (12.20%)
- Newer filing discusses balance sheet changes from December 31, 2025 to March 31, 2026 with specific focus on treasury stock increase of 53.8% and share repurchase program activity
- Newer filing includes detail on total return of capital to shareholders of $32.4 million during the quarter
- Newer filing's MD&A reference updated to Form 10-K for year ended December 31, 2025 (older filing referenced December 31, 2024)
- Removed:
- Older filing's reference to core operational profitability non-GAAP measure comparing 2024 and 2025 nine-month periods is not present in newer filing
- Older filing's comparative analysis of nine-month periods (9M 2025 vs 9M 2024) is not included in newer filing
- Older filing's detailed third quarter 2025 analysis (Q3 2025 vs Q3 2024) is not present in newer filing
- Reworded:
- Adjusted tangible capital ratio explanation changed from 'provides better comparability to periods preceding the recent increase in prevailing interest rates' (older) to 'provides better comparability to periods preceding the cycle of monetary policy tightening from 2022 and 2023' (newer)
- Critical Accounting Policies section now references Form 10-K for year ended December 31, 2025 instead of December 31, 2024
- Notes:
- The two filings report on substantially different periods (Q1 2026 vs 9M 2025), limiting direct comparability of the MD&A sections
- The older filing's text appears truncated at the end; full comparison of later sections may not be possible
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 2 sells ($47305) — 2 selling insiders
- Last 180 days · read to 2026-10-040 buys · 6 sells ($617552) — 5 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-05. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about LKFN's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding LKFN as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 5,877,073
- Reported value $362,728,549
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about LKFN's institutional holders → See what each manager we track holds →
Short interest (FINRA)
LKFN had 2,409,222 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
LKFN had 9.69% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 15.66 days to cover at the same settlement.
- Reported short interest (shares) 2,409,222
- Short interest (% of shares outstanding) 9.69%
- Prior settlement (shares) 2,356,600
- Reported change 2.23%
- Days to cover (reported) 15.66
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- First Merchants Corporation (FRME)
- Old National Bancorp (ONB)
- 1st Source Corporation (SRCE)
- Horizon Bancorp (HBNC)
- German American Bancorp (GABC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does LAKELAND FINANCIAL CORP (LKFN) do?
Lakeland Financial Corporation is a bank holding company that operates primarily through its subsidiary, Lake City Bank. The bank provides a broad range of financial services including commercial, retail, wealth advisory, and trust services, primarily serving markets in Indiana.
What sector is LAKELAND FINANCIAL CORP (LKFN) in?
LAKELAND FINANCIAL CORP (LKFN) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does LKFN pay a dividend?
Yes — LAKELAND FINANCIAL CORP (LKFN) pays a dividend, with an indicated yield of about 3.48% and at least 12 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — a stock split inside this window left the earlier years on a different per-share basis, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are LAKELAND FINANCIAL CORP's (LKFN) competitors?
Notable peers of LAKELAND FINANCIAL CORP (LKFN) include First Merchants Corporation, Old National Bancorp, 1st Source Corporation, Horizon Bancorp and German American Bancorp. This peer set is informational only — not financial advice.
Is LAKELAND FINANCIAL CORP (LKFN) overbought or oversold right now?
LAKELAND FINANCIAL CORP (LKFN) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 38, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on LKFN come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.