Lakeland Financial Corp (NASDAQ:LKFN)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $428.9M
- Net income
- $113.7M
- Net margin
- 26.5%
Little or no net debt.
- Total debt
- $101.3M
- Cash
- $115.8M
- Net debt / EBITDA
- -0.08x
Owes more within a year than it holds to pay it.
- Current assets
- $1.24B
- Current liabilities
- $6.40B
- Current ratio
- 0.19
The business funds itself from operations.
- Operating cash flow
- $128.8M
- Free cash flow
- $111.7M
- FCF margin
- 26.0%
Not funding itself by issuing shares.
- Shares outstanding
- 25.0M
- Share growth (1y)
- -2.6%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
LKFN Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 109.63 M | 107.72 M | 104.92 M | 106.61 M | 107.84 M | 105.87 M |
| Revenue Growth (YoY) | 1.66 % | 1.75 % | 3.49 % | 1.30 % | 0.85 % | -7.27 % |
| Cost of Revenue | 37.83 M | 38.55 M | 37.21 M | 36.81 M | 40.81 M | 42.51 M |
| Gross Profit | 71.80 M | 69.17 M | 67.71 M | 69.80 M | 67.03 M | 63.36 M |
| SG&A Expense | 30.35 M | 29.29 M | 29.61 M | 19.88 M | 21.29 M | 14.62 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 36.12 M | 34.29 M | 35.15 M | 33.45 M | 34.97 M | 30.43 M |
| Operating Income | 35.67 M | 34.88 M | 32.55 M | 36.35 M | 32.06 M | 32.93 M |
| Pretax Income | 35.67 M | 34.71 M | 32.55 M | 36.35 M | 32.06 M | 32.93 M |
| Tax Provision | 6.82 M | 6.27 M | 6.08 M | 6.45 M | 5.66 M | 5.96 M |
| Net Income | 28.86 M | 28.44 M | 26.48 M | 29.91 M | 26.40 M | 26.97 M |
| EPS (Basic) | 1.15 | 1.14 | 1.04 | 1.17 | 1.03 | 1.05 |
| EPS (Diluted) | 1.14 | 1.13 | 1.04 | 1.16 | 1.03 | 1.04 |
| Shares Outstanding | 25.03 M | 25.06 M | 25.34 M | 25.62 M | 25.70 M | 25.71 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.