How profitable is Lakeland Financial Corporation (LKFN)?

In FY 2025 (10-K), LKFN converted $2.9B of revenue into a 52% gross margin, 0% operating margin, and $103.8M in free cash flow (3.5% FCF margin).

Stock Ratings / Financials / LKFN / financials

TFIN (43) AMAL (72) TMP (59) BHRB (64) ⌘ Pro Terminal →

Lakeland Financial Corporation (LKFN) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$61.84 +2.91% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $62.05

Lakeland Financial Corporation (LKFN) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.48B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LKFN Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LKFN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-03, Lakeland Financial Corporation (NASDAQ: LKFN) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $61.84 (+2.91% 1D, market cap $1.48B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, LKFN ranks #210 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LKFN compare to TFIN and AMAL in the Financials sector?

▼

Within the Financials sector (Major Banks), LKFN carries a Roarable C+ (66/100 RQD), trailing P/E of 14.6x, gross margin of —, and ROIC of 13.6%. By comparison, TFIN (Triumph Financial Inc.) holds a D- grade (43/100 RQD, P/E 59.9x, ROIC 2.7%, cap $1.49B) and AMAL (Amalgamated Financial Corp.) posts a B grade (72/100 RQD, P/E 14.7x, ROIC 13.1%, cap $1.50B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LKFN?

▼

Per LKFN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000721994), Lakeland Financial Corporation generated $2.94B in revenue (+4.7% YoY), $103.4M in net income, and $103.8M in free cash flow against $6.99B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $62.04 (+0.33%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 3.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

Quant Analyst Panel Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LKFN)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY LKFN SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 3.5% FCF Margin ($103.8M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (54) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$56.87+3% Next Q

Q2 (-2Q)

Grade C$58.59+3.6% Next Q

Q3 (-1Q)

Grade C+$60.71+1.9% Next Q

Current

Grade C+$61.84+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LKFN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, LKFN faces multiple-compression risk if 14.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($59.14) or 200D SMA ($59.93) invalidates the momentum regime and cuts Target Base ($64.07) toward Bear Floor ($49.97).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LKFN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LKFN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 66%NO 34%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How LKFN Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$103.8M (3.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $433.1M

FY24

Rev $2.80B

FY25

Rev $2.94B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$2.94B	52%	0%	$103.4M	$103.8M	13.6%
FY 2024	$2.80B	52%	0%	$93.5M	$93.9M	13.6%
FY 2023	$433.1M	45.5%	0%	$93.8M	$114.0M	13.6%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LKFN)

✓Walkthrough of LKFN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

LKFN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.86%⚡ TESTING RESISTANCE

2026-11-03O $61.02H $61.84L $60.09C $61.84VOL 167.3K

RES: $62.53SUP: $54.44SMA50: $59.14SMA200: $59.93

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LKFN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LKFN Butterfly Map → + Track LKFN →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

6.6%/yr Implied 5Y Growth

vs. +4.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on LKFN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LKFN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LKFN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LKFN)

Financials Rank #210 of 1097 ⚔️ TFIN vs LKFN Full Matrix →

1. Head-to-Head Financials Peer Comparison (LKFN vs. TFIN, AMAL, TMP, BHRB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Lakeland Financial Corporation (LKFN) ranks #210 by composite RQD confidence (66/100, grade C+) and #488 by equity capitalization ($1.48B). Within this direct 5-issuer industry benchmark cohort, TMP leads on earnings valuation at 9.1x trailing P/E, while TMP leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. AMAL currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with LKFN at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
LKFN ACTIVE Lakeland Financial Corporation	C+	66/100	14.6x	—	13.6%	+2.91%	$1.48B	Benchmark Subject
TFIN Triumph Financial Inc.	D-	43/100	59.9x	—	2.7%	+2.96%	$1.49B	/tfin-vs-lkfn →
AMAL Amalgamated Financial Corp.	B	72/100	14.7x	—	13.1%	+1.07%	$1.50B	/amal-vs-lkfn →
TMP Tompkins Financial Corporation	C-	59/100	9.1x	—	17.2%	+1.97%	$1.43B	/tmp-vs-lkfn →
BHRB Burke & Herbert Financial Services Corp.	C	64/100	12.2x	—	13.7%	+2.23%	$1.42B	/bhrb-vs-lkfn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000721994 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Lakeland Financial Corporation (LKFN) reported GAAP revenue of $2.94B (+4.7% vs. FY2024 revenue of $2.80B , and +577.8% cumulative change since FY2023) , GAAP net income of $103.4M, operating cash flow of $114.9M, and free cash flow of $103.8M (+10.6% YoY). On the balance sheet, LKFN closed FY2025 with $6.99B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.94B	$103.4M	$114.9M	$103.8M	$6.99B	—
FY2024 (FY)	2024-12-31	$2.80B	$93.5M	$102.5M	$93.9M	$6.68B	—
FY2023 (FY)	2023-12-31	$433.1M	$93.8M	$114.0M	$114.0M	—	—

3. LKFN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LKFN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does LKFN compare to TFIN and AMAL in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for LKFN?

Where is LKFN trading relative to its 50-day, 200-day, and 52-week technical levels?

LKFN last traded at $61.84 (+2.91% on volume of 161,009 shares), positioning the stock +4.57% above its 50-day simple moving average ($59.14) and +3.19% above its 200-day simple moving average ($59.93). Across its 52-week range of $54.36 to $64.55, LKFN sits at the 73.4% percentile with a 14-day RSI of 54.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($59.00 to $64.68).

Direct Sub-Reports: LKFN RQD Cockpit LKFN 12M Forecast LKFN Earnings & Move LKFN Dividends & DRIP LKFN Insiders & 13F LKFN Whale Options LKFN Profit Sankey LKFN News & Why

ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

LKFN — Lakeland Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Lakeland Financial Corporation (LKFN) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $61.84 (+2.91% 1D, market capitalization $1.48B).

Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 13.6%, gross margin of —, operating margin of —, and free cash flow yield of 6.88%.
Whale 13F & Options Flow (11/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Lakeland Financial Corporation (LKFN) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. Per the Stock Titan news item, Loans at Lake City Bank rose 8% to $5.68 billion, indicating lending is a central business line.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Lakeland Financial Corporation (LKFN) reported $2.94B in annual revenue (up from $2.80B in FY2024, +4.7% YoY) and $103.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($433.1M revenue, $93.8M net income) through FY2025, LKFN scaled operating cash flow to $114.9M and free cash flow to $103.8M, backed by $6.99B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C+ • RQD 66/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.88% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $54.36 – $64.55 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), LKFN carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can LKFN sustain or expand its — operating margin and 13.6% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $2.94B and free cash flow of $103.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is LKFN's 13.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

LKFN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Lakeland Financial Corporation (LKFN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LKFN Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Lakeland Financial (LKFN) Reports Q3 Earnings: What Key Metrics Have to Say

Yahoo Finance report covering Lakeland Financial Corporation (LKFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Lakeland Financial Corporation (LKFN) Stock Forecasts

Yahoo Finance report covering Lakeland Financial Corporation (LKFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Loans at Lake City Bank rose 8% to $5.68 billion.

Stock Titan report covering Lakeland Financial Corporation (LKFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Quiver Quantitative • 1d ago

Lakeland Financial Reports Record Q3 Net Income of $28.9 Million

Quiver Quantitative report covering Lakeland Financial Corporation (LKFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 2d ago

Nine-month earnings per share rise 16% at Lakeland Financial (LKFN), alongside higher profit.

Stock Titan report covering Lakeland Financial Corporation (LKFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.dars.gov.et/ • 2d ago

Lakeland Financial (LKFN) Slips 1.49% to $60.11, Drifting Toward the Lower Half of Its Trading Range - Ease of Movement

https://www.dars.gov.et/ report covering Lakeland Financial Corporation (LKFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.dars.gov.et/ • 2d ago

LKFN Q2 2026 Earnings: EPS Tops Estimate by 2.93% Despite Modest Stock Pullback - Financial Data

https://www.dars.gov.et/ report covering Lakeland Financial Corporation (LKFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST SeekingAlpha • 4d ago

Dividend Champion, Contender, And Challenger Highlights: Week November 1

Get a weekly dividend summary for Champions, Contenders, and Challengers.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LKFN Bull vs. Bear Conversation Board — What's Your Call at $61.84?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LKFN 🐻 33% BEARISH CONVICTION

SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $69.10 (+15.0%)

📌 Pinned Debate

Insider Conviction scores 17/20 and net income rose from $93.5M to $103.4M in FY 2025 while the forward P/E of 13.6 sits below the trai

Insider Conviction scores 17/20 and net income rose from $93.5M to $103.4M in FY 2025 while the forward P/E of 13.6 sits below the trailing 14.6.. When you look under the hood at LKFN, Fundamental Cash Engine is 14/20 with 0.0% gross margins and 13.6% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (11/20) has been quietly accumulating below $64.55. My 12M target is $69.10.

SectorRotator 🐂 BULL

@SkepticalCFA Fair point on 14.6x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $49.27 (-18.0%)

Spot @ $60.09

Revenue and operating income are reported as $0.0M in every period and cash fell from $168.2M to $141.3M, leaving the margin and cash t

Here is the bear case nobody on the bull side wants to address on LKFN: Revenue and operating income are reported as $0.0M in every period and cash fell from $168.2M to $141.3M, leaving the margin and cash trajectory unverifiable.. At 14.6x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.