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 5w

Last close $61.83 (close Jun 12) · +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 20d ago

T+60d

—

call — · α —

—

in 5w

Price Chart

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Executive Summary

Lakeland Financial Corporation released its first-quarter 2026 investor presentation, highlighting strong financial performance including a 32% year-over-year increase in net income and 33% growth in diluted EPS, driven by loan growth, net interest margin expansion, and stable credit quality.

Actionable Insight

The strong results and margin expansion suggest continued profitability in a favorable interest rate environment. Monitor for any changes in the company's guidance on loan growth and net interest margin in future quarters.

Key Facts

Net income increased 32% year-over-year to $103.8 million in Q1 2026
Diluted EPS grew 33% year-over-year to $4.01
Average loan growth of $255 million or 5% year-over-year
Net interest margin expanded by 9 basis points to 3.49% in Q1 2026
Pretax pre-provision earnings improved by 11% year-over-year

Financial Impact

32% YoY increase in net income ($103.8M), 33% YoY increase in EPS ($4.01), 5% YoY loan growth ($255M)

revenueepsnet_incomeloan_growthnet_interest_margin

Risk Factors

Interest rate sensitivity could impact future net interest income
Dependence on commercial lending in specific regional markets

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Analyst Consensus

55% bullish (11 analysts)

Documents Analyzed

This report is based on 5 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0000721994-26-000051
Document: lkfn-20260427.htm	0000721994-26-000051
Document: 0000721994-26-000051-index-headers.html	0000721994-26-000051
Document: 0000721994-26-000051-index.html	0000721994-26-000051
Document: 0000721994-26-000051.txt	0000721994-26-000051

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 7w ago	8-K BULLISH ★ 7/10	$61.55 $60.71	▼ −1.36%	▼ −6.32%	$61.83 (+0.45%)
Apr 27, 2026 7w ago	Press Release BULLISH ★ 7/10	$61.55 $60.71	▼ −1.36%	▼ −6.32%	$61.83 (+0.45%)
Apr 27, 2026 7w 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 16w ago	Insider Cluster BULLISH ★ 7/10	$58.15 $56.30	▼ −3.19%	▲ +0.76%	$61.83 (+6.32%)

US Market Status

Market Closed — Opens in 58m

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