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Lakeland Financial Corporation (LKFN) Options Positioning, Max Pain & Unusual Sweeps

$61.84 +2.91% NASDAQ β€’ 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+ β€’ HOLD / WATCH Cap $1.48B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LKFN Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is LKFN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does LKFN compare to TFIN and AMAL in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), LKFN carries a Roarable C+ (66/100 RQD), trailing P/E of 14.6x, gross margin of β€”, 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).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LKFN?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” 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:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $62.04 (+0.33%)🧬 Cannibal Buyback (-2.64% YoY Shares)βš™οΈ Cash Engine: 14/20 (B-) β€’ 3.5% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š 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 β€’ 56.0% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw B- Β· Rk C-
Cash (14)Whales (11)SEC (13)Macro (11)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$76 Bull$64 Base$50 Bear
πŸ“¬ FREE LKFN RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for LKFN)Realized 20D OHLCV Swing Band: Β±4.6%
Deterministic 5-Pillar Attribution (66/100 Composite)
πŸ” WHY LKFN SCORES 66/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (26% of score)

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

β–² #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

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

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

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
58
Grade C$56.87+3% Next Q
Q2 (-2Q)
61
Grade C$58.59+3.6% Next Q
Q3 (-1Q)
63
Grade C+$60.71+1.9% Next Q
Current
66
Grade C+$61.84+1.4% Hist 90D Ξ±
Trajectory: C (58) β†’ C+ (66)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the LKFN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

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) β€” 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 $LKFNβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œLKFN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±4.6%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (LKFN)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for LKFN.

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Whale Flow & Momentum Playbook: Evaluating LKFN & AI Leaders Without Chasing Tops

  • βœ“Institutional whale strikes & implied earnings move audit on LKFN
  • βœ“How disciplined traders manage risk using pre-published trigger & invalidation levels
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
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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
$65.18$62.58$59.99$57.40$54.81RES $62.53SUP $54.44$61.842026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ LKFN Butterfly Map β†’ + Track LKFN β†’
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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LKFN)

Financials Rank #210 of 1097 βš”οΈ TFIN vs LKFN Full Matrix β†’

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 β€” 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 β€” 13.6% +2.91% $1.48B Benchmark Subject
TFIN
Triumph Financial Inc.
D- 43/100 59.9x β€” 2.7% +2.96% $1.49B /tfin-vs-lkfn β†’
AMAL
Amalgamated Financial Corp.
B 72/100 14.7x β€” 13.1% +1.07% $1.50B /amal-vs-lkfn β†’
TMP
Tompkins Financial Corporation
C- 59/100 9.1x β€” 17.2% +1.97% $1.43B /tmp-vs-lkfn β†’
BHRB
Burke & Herbert Financial Services Corp.
C 64/100 12.2x β€” 13.7% +2.23% $1.42B /bhrb-vs-lkfn β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000721994 β†—

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 β€”
FY2024 (FY) 2024-12-31 $2.80B $93.5M $102.5M $93.9M $6.68B β€”
FY2023 (FY) 2023-12-31 $433.1M $93.8M $114.0M $114.0M β€” β€”

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

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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.

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 β€”, 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).

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.

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 Β±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 β€’ RQD 66/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

LKFN β€” 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 β€”, operating margin of β€”, 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

  • πŸ‚ Primary Bull Case (C+ β€’ 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 β€” 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 β€”.

  • Key Question #1: Can LKFN sustain or expand its β€” 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) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to LKFN Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

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

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LKFN 🐻 33% BEARISH CONVICTION
1. Pick Your Side on LKFN:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER β€’ Growth & Tech Investor πŸ‚ BULLISH 🎯 Target: $69.10 (+15.0%)
πŸ“Œ 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 πŸ‚ 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 β€’ 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.

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