Lkfn.O

Lakeland Financial Corp maintains a conservative capital structure with a debt-to-equity ratio of 0.0, indicating minimal leverage relative to equity. The balance sheet shows total assets of $4.88 billion against total liabilities of $4.35 billion, resulting in total equity of $521.6 million. Liquidity is supported by cash and equivalents of $216.9 million, which represents approximately 41.6% of total equity. Operating cash flow stands at $105.0 million, comfortably covering capital expenditures of $7.97 million, resulting in strong free cash flow generation. The risk assessment indicates low liquidity risk, consistent with the ample cash reserves and low leverage profile.

Profitability metrics demonstrate strong returns, with a return on equity (ROE) of 21.32% and a return on assets (ROA) of 2.28%. The company reported net income of $80.41 million on revenue of $985,000, suggesting a high-margin business model typical of financial institutions where net interest income and fee income drive profitability. The price-to-earnings ratio of 14.31 and price-to-book ratio of 3.05 reflect a valuation that is moderate relative to the high ROE, implying the market prices in steady but not explosive growth. Without cohort median data, direct comparative analysis is limited, but the ROE significantly exceeds typical banking sector averages, indicating efficient capital utilization.

Segment and geographic revenue mix data is not available in the provided input, preventing a detailed analysis of revenue concentration or regional exposure. The company operates within the Banks industry, which typically involves diversified revenue streams from lending, deposits, and investment services, but specific segment contributions cannot be quantified from the current data.

Historical period data for revenue and net income trends is absent, limiting the ability to assess long-term growth trajectory. The current financial snapshot shows a stable position with significant net income relative to the small reported revenue figure, which may indicate a specific accounting treatment or a partial period report, but without historical context, growth rates cannot be calculated.

Risk factors are assessed as low for both liquidity and dilution, with no immediate filing-based flags detected. The shares outstanding are identical for basic and diluted counts (25.13 million), indicating no significant dilutive securities such as options or convertible debt are currently impacting the share count. The low dilution risk is further supported by the absence of recent issuance events or ATM shelf disclosures in the observations.

Recent events include reconciler enqueue actions for analysis jobs, indicating ongoing data processing and coverage updates for Lakeland Financial Corp. Analyst estimates show a mean price target of $66.50, with a high of $67.00 and a low of $66.00, suggesting a narrow consensus view on valuation. The mean recommendation is 3.00 (Hold), with four analysts issuing Hold ratings and no Strong Buy or Buy ratings, reflecting a neutral market sentiment.

Revenue $58.3M, +6,2% YoY; Net income +5,5% YoY.

• ▍Revenue $58.3M, +6,2% YoY
• ▍Net income +5,5% YoY
• ▍Net margin 48.8%

Revenue $56.8M, +7,4% YoY; Net income +31,8% YoY.

• ▍Revenue $56.8M, +7,4% YoY
• ▍Net income +31,8% YoY
• ▍Free cash flow +45,1% YoY
• ▍Net margin 46.6%

Revenue $57.2M, +10,6% YoY; Net income +23,6% YoY.

• ▍Revenue $57.2M, +10,6% YoY
• ▍Net income +23,6% YoY
• ▍Free cash flow +44,3% YoY
• ▍Net margin 52.3%

Revenue $56.1M, +13,8% YoY; Net income +13,1% YoY.

• ▍Revenue $56.1M, +13,8% YoY
• ▍Net income +13,1% YoY
• ▍Free cash flow +2,5% YoY
• ▍Net margin 47.1%

Revenue $54.9M; Net margin 49.1%.

• ▍Revenue $54.9M
• ▍Net margin 49.1%

Revenue $52.9M; Net margin 38.0%.

• ▍Revenue $52.9M
• ▍Net margin 38.0%

Revenue $51.7M; Net margin 46.8%.

• ▍Revenue $51.7M
• ▍Net margin 46.8%

Revenue $49.3M; Net margin 47.4%.

• ▍Revenue $49.3M
• ▍Net margin 47.4%

Revenue $221.0M, +12,4% YoY; Net income +10,6% YoY.

• ▍Revenue $221.0M, +12,4% YoY
• ▍Net income +10,6% YoY
• ▍Free cash flow +12,7% YoY
• ▍Net margin 46.8%

Revenue $196.7M, −0,2% YoY; Net income −0,3% YoY.

• ▍Revenue $196.7M, −0,2% YoY
• ▍Net income −0,3% YoY
• ▍Free cash flow −11,4% YoY
• ▍Net margin 47.5%

Revenue $197.0M, −2,9% YoY; Net income −9,7% YoY.

• ▍Revenue $197.0M, −2,9% YoY
• ▍Net income −9,7% YoY
• ▍Free cash flow −27,0% YoY
• ▍Net margin 47.6%

Revenue $202.9M, +13,9% YoY; Net income +8,4% YoY.

• ▍Revenue $202.9M, +13,9% YoY
• ▍Net income +8,4% YoY
• ▍Free cash flow +5,2% YoY
• ▍Net margin 51.2%