Lakeland Financial Corporation
LKFNFinancial ServicesNASDAQBanks - Regional
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Daily timeframePart of the financial services sector, Lakeland Financial Corporation (LKFN) is listed under Banks - Regional. The company carries a $1.50B market cap, placing it firmly in the small-cap category. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits.
Market Cap
$1.50B
Beta
0.74
P/E (TTM)
14.08
P/E (Fwd)
13.28
EPS (TTM)
$4.27
EPS (Fwd)
$4.53
ROE
15.2%
ROA
1.6%
Cash
$151.3M
Total Debt
$75.1M
Free CF
—
52W Change
1.4%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $151.3M in cash comfortably exceeding the $75.1M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 15.2% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.6% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $244.7M (2022) to $269.0M (2025).
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Lakeland Financial Corporation's trajectory.