LKFN PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

LKFN ▼ -1.36% at T+20d

LONG call ✗ call lost -1.36% · α vs SPY -6.32% · entry $61.55 → $60.71

Next anchor: T+60d in 6w

Currently $61.83 · +0.45% from $61.55 entry

Entry anchored
Apr 24, 03:59 PM ET
via Databento tick

T+1d

+0.20%

call +0.20% · α +0.68%

$61.67

settled 7w ago

T+5d

-1.36%

call -1.36% · α -1.76%

$60.71

settled 6w ago

T+20d

-1.36%

call -1.36% · α -6.32%

$60.71

settled 18d ago

T+60d

—

call — · α —

—

in 6w

Price Chart

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Executive Summary

Lake City Bank (LKFN) reported strong Q1 2026 earnings with diluted EPS of $1.04, a 33% year-over-year increase and a 14.6% beat versus analyst consensus of $1.01. Revenue growth was driven by net interest income expansion and strong fee-based revenue growth, though the stock may face headwinds from declining net interest income and nonperforming assets quarter-over-quarter.

Actionable Insight

The strong EPS beat and sustained margin expansion suggest pricing power and effective liability management. Monitor net interest income trends in the next quarter, as linked-quarter decline may pressure sentiment despite YoY strength. The 4% dividend hike and active buyback signal confidence in capital generation.

Key Facts

Diluted EPS of $1.04 for Q1 2026, up 33% YoY and 14.6% above consensus of $1.01
Net income of $26.5M, up 32% YoY
Net interest margin expanded 9 basis points YoY to 3.49%
Loan growth of 5% YoY to $5.44B average loans
Noninterest income up 18% YoY to $12.9M, driven by bank-owned life insurance and fee growth
Share repurchases of $19.2M in Q1; dividend increased 4% to $0.52/share

Financial Impact

EPS beat of $0.03 (14.6%) and revenue beat of $3.1M (4.4%) driven by margin expansion and fee income growth

epsnet_incomenet_interest_marginnoninterest_incomeloan_growth

Risk Factors

Net interest income declined 1% quarter-over-quarter despite margin expansion
Core deposits decreased 2% linked-quarter, with commercial deposits down 9%
Asset quality improvement is lapping a weak prior year; provision release may not repeat

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Analyst Consensus

55% bullish (11 analysts)

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3281454

6 reports for LKFN

T+1T+5T+20T+60

100% Hit rate 3 of 3 directional calls best @ T+1▲ +0.20%Apr 27, 2026

Filters

Reports for LKFN — sortable, filterable
	Type				Now
May 1, 2026 6w ago	Insider Cluster NEUTRAL ★ 2/10	$61.38 $59.22	▼ −3.52%	▼ −8.80%	$61.83 (+0.73%)
Apr 27, 2026 6w ago	8-K BULLISH ★ 7/10	$61.55 $60.71	▼ −1.36%	▼ −6.32%	$61.83 (+0.45%)
Apr 27, 2026 6w ago	Press Release BULLISH ★ 7/10	$61.55 $60.71	▼ −1.36%	▼ −6.32%	$61.83 (+0.45%)
Apr 27, 2026 6w ago	8-K BULLISH ★ 8/10	$61.55 $60.71	▼ −1.36%	▼ −6.32%	$61.83 (+0.45%)
Apr 14, 2026 8w ago	8-K NEUTRAL ★ 3/10	$60.23 $60.06	▼ −0.29%	▼ −6.58%	$61.83 (+2.65%)
Feb 23, 2026 15w ago	Insider Cluster BULLISH ★ 7/10	$58.15 $56.30	▼ −3.19%	▲ +0.76%	$61.83 (+6.32%)

US Market Status

Market Closed — Opens Mon (49h 9m)

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