LKFN 8-K 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

Lakeland Financial reported strong Q1 2026 earnings with diluted EPS of $1.04, a 33% increase year-over-year, beating consensus of $1.01. Revenue grew 9% to $69.7 million, driven by net interest margin expansion and growth in noninterest income, including a 203% surge in bank-owned life insurance income.

Actionable Insight

The strong beat and margin expansion suggest continued pricing power and loan growth momentum. Monitor the next earnings call for guidance on net interest margin trajectory and loan growth, as these were key drivers of the beat.

Key Facts

Diluted EPS of $1.04, up 33% YoY, beats consensus of $1.01 by 2.97%
Net income of $26.5 million, up 32% YoY
Revenue of $69.7 million, up 9% YoY
Net interest margin improved 9 bps to 3.49%
Noninterest income up 18% YoY to $12.9 million
Tangible book value per share grew to $29.69
Company repurchased $19.2 million in shares during the quarter

Financial Impact

EPS beat by 2.97%, revenue growth of 9% YoY, noninterest income up 18% YoY

epsrevenuenetInterestMarginnoninterestIncometangibleBookValue

Risk Factors

Noninterest expense increased 7% YoY, potentially pressuring margins if not offset by revenue growth
Provision for credit losses rose to $2.0 million from $0 in Q4 2025, signaling potential asset quality concerns

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Analyst Consensus

55% bullish (11 analysts)

Documents Analyzed

This report is based on 6 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0000721994-26-000050
Document: lkfn-20260427.htm	0000721994-26-000050
Document: 0000721994-26-000050-index-headers.html	0000721994-26-000050
Document: 0000721994-26-000050-index.html	0000721994-26-000050
Document: 0000721994-26-000050.txt	0000721994-26-000050
8-K Data (Synthetic)	0000721994-26-000050

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 29m)

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