NASDAQ: LKFN

Lakeland Financial (LKFN) Stock Analysis & Forecast

Oct 12 close

$57.24+0.40 (+0.7%)
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Gekko Brief

AI summaryOct 12 close

No headlines are available this week for Lakeland Financial, so the picture rests on price action and positioning data alone. The stock closed at $57.24, little changed on the day, and remains below both its 50-day average of $59.98 and its 200-day average of $59.83, with returns of -5.5% over one month, -5.5% over three months, -6.1% over six months and -9.1% over the past year.

The GekkoIndex reads 65.5, placing LKFN in the Accumulation zone, up 2.8 over five days. Price sits 8.6% below Gekko Fair Value of $62.65. The 52-week range spans $54.36 to $64.55, with the current close nearer the lower end. The sole analyst covering the stock holds a hold rating, with a consensus target of $66.50 implying 16.2% upside.

Over the next 20 trading days, the main item is the earnings date of 26 October 2026, 14 days away, falling inside that window; the prior report on 22 January 2026 beat estimates ($1.16 versus $1.05 expected) but the shares reacted by -4%, and the stock has beaten estimates in 6 of the last 8 quarters with an average absolute reaction of 3.5%. No insider, Congress or unusual options activity appears in the respective 90-day and 30-day windows. Seasonally, the next 20 trading days have averaged a 6.6% gain over the past 5 years, rising in 4 of them.

Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.

Lakeland Financial price vs fair value

$62.65$57.24Oct ’25Apr ’26Oct ’26
Close $57.24200-day averageGekko Fair Value $62.65

Lakeland Financial quick facts

Market cap
$1.43B
P/E ratio
13.2
Forward P/E
20.1
EPS, TTM
$4.36
Revenue, TTM
$273.7M
Profit margin
40.6%
Dividend yield
3.60%
Beta
0.76
Volume
241,285 avg 228,788
1-year return
−9.1%
Typical daily move
±1.9%
Typical 20-day move
±4.8%
50-day average
$59.98
200-day average
$59.83
Next earnings
Oct 26
Shares outstanding
24.86M
52-week range
$54.36$64.55

Lakeland Financial swing-trade checklist

Lakeland Financial scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

3 supportive1 mixed1 headwind

  • Trendmixed

    Averages disagree

    Close $57.24 sits between the 50-day ($59.98) and 200-day ($59.83) averages, or the averages disagree.

    See the chart
  • GekkoIndexsupportive

    65.5, Accumulation

    Reading 65.5 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    8.6% below

    Price is 8.6% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneyno data

    No data

    No insider, Congress or unusual options activity in the window.

    See smart money
  • Earnings riskheadwind

    Reports in 14 days

    Reports on Oct 26, 2026, 14 days away — inside a typical 20-trading-day hold.

    See earnings
  • Seasonalitysupportive

    +6.6% on average

    From this point in the calendar, the next 20 trading days averaged +6.6% over 5 years, rising in 4 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

Lakeland Financial stock chart and price history

Lakeland Financial closed at $57.24 on Oct 12, 2026, −9.1% over the past year, inside a 52-week range of $54.36 to $64.55.

5Y and weekly in Gekko
Close50-day average200-day averageVolume
Lakeland Financial share price, past year, with 50-day and 200-day moving averages and volume$56$58$60$62$64NovDecJan 2026FebMarAprMayJunJulAugSepOct57.24

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−5.5%
3 months
−5.5%
6 months
−6.1%
1 year
−9.1%
The full LKFN chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open LKFN in Gekko

Follow Lakeland Financial through every session

Put LKFN on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.

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About Lakeland Financial

Lakeland Financial operates as the holding company for Lake City Bank, a lender that handles the full range of everyday banking needs. Customers can open checking, savings, money market and demand deposit accounts, and the bank extends credit for commercial and industrial purposes, real estate tied to businesses or multi-family housing, farming operations, and personal needs like home mortgages. It has built a reputation around this combination of standard deposit taking and lending alongside more tailored financial support.

On top of these basics, the bank issues credit cards for both individual and business clients, runs treasury management systems for corporate customers, and offers guidance on wealth building and trust matters. It also gives clients access to brokerage products such as annuities and life insurance policies, plus digital platforms for managing business finances remotely. The customer base touches many different fields, including real estate, manufacturing, farming, construction, retail and wholesale trade, insurance and finance, hospitality, and medical care.

Lakeland Financial traces its roots back to 1872 and keeps its headquarters in Warsaw, Indiana. Its stock is listed on the NASDAQ under the ticker LKFN.

Listed
NASDAQ
Sector
Finance
Industry
Regional banks
Website
lakecitybank.com

Lakeland Financial GekkoIndex: the smart money zone

Lakeland Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.5, in the Accumulation zone, up 2.8 points over five sessions.

010065.5Accumulation

Up 2.8 points over five sessions.

Reading for Oct 12, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying22−1.3%−0.6%+1.2%+5.9%
Accumulation (current zone)257+0.7%+1.0%+1.4%+1.3%
Neutral383−0.4%−0.6%−0.9%−1.2%
Distribution12+0.1%−0.9%−5.4%−4.2%
Selling8Too few readings yet

Average LKFN share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the LKFN price, zone by zone.Track LKFN in Gekko

Is Lakeland Financial stock overvalued? Gekko Fair Value

Lakeland Financial trades 8.6% below Gekko Fair Value of $62.65, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what Lakeland Financial shares are worth, recalculated every trading day.

$62.65

Gekko Fair Value, Oct 10, 2026

8.6% Undervalued

At the end of Aug 2026 the price was 8.7% below the estimate.

Gekko Fair ValueShare price, month end
$63$57Aug 2026SepOct 2026

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open LKFN in Gekko

Lakeland Financial insider and Congress trading

No open-market insider purchases were filed for Lakeland Financial, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

No open-market insider purchases were filed for LKFN in the last 90 days.

From Form 4 filings, dated to when each was filed.

Every LKFN insider filing, plotted on the chart in Gekko.Open LKFN in Gekko

Congress trades last 90 days

No trades in LKFN were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for LKFN, plotted on the chart in Gekko.Open LKFN in Gekko

Buybacks

Lakeland Financial has been buying back its own shares.

Latest authorization
$60.00M, Mar 6, 2026
Bought back, quarter ended Jun 30, 2026
$4.25M
As a share of market cap
0.30%
Trailing four quarters
$42.25M

From company filings.

Lakeland Financial earnings: next date and track record

Lakeland Financial reports on Oct 26, 2026 (14 days away), and beat the EPS estimate in 6 of its last 8 reports.

6 of 8reports beat the EPS estimate
±3.5%average move across the report
5 of 8reports followed by a gain

Share-price move across each report

−4.6%Apr ’24+2.1%Jul ’24+2.3%Oct ’24+3.3%Jan ’25+0.5%Apr ’25+5.5%Jul ’25−5.9%Oct ’25−4.0%Jan ’26
ReportedEPSSurpriseRevenueSurpriseMove
Jan 22, 2026$1.16
est $1.05		+10.5%——−4.0%
Oct 27, 2025$1.03
est $1.04		−1.0%$69.03M
est $69.15M		−0.2%−5.9%
Jul 25, 2025$1.04
est $0.93		+11.8%$66.36M
est $68.75M		−3.5%+5.5%
Apr 25, 2025$0.78
est $0.87		−10.3%$63.80M
est $64.00M		−0.3%+0.5%
Jan 24, 2025$0.94
est $0.90		+4.4%$63.57M
est $62.49M		+1.7%+3.3%
Oct 25, 2024$0.91
est $0.88		+3.4%$61.19M
est $61.34M		−0.2%+2.3%
Jul 25, 2024$0.87
est $0.85		+2.4%$68.74M
est $60.70M		+13.2%+2.1%
Apr 25, 2024$0.91
est $0.86		+5.8%$60.03M
est $60.16M		−0.2%−4.6%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

Lakeland Financial stock forecast and analyst price targets

Analysts’ average 12-month price target for Lakeland Financial is $66.50, +16.2% from the last close, from 1 firm rating the stock in the last 90 days.

$66.50consensus 12-month target, +16.2% from the last close
Buy0
Hold1
Sell0

Each firm’s latest rating in the last 90 days: 1 firm.

Latest analyst actions

DateFirmRatingTargetvs price
Jul 28KBWHold, reiterated$67+17.1%
+1.4%average 20-day move after past Accumulation readings
+6.6%average move over the next 20 trading days in the last 5 years
±1.9%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

Lakeland Financial seasonality: the next 20 trading days

Over the next 20 trading days from Oct 10, Lakeland Financial averaged +6.6% across the last 5 years, rising in 4 of them.

Next 20 trading days, by year

+1.1%2021+10.0%2022+8.5%2023+16.5%2024−5.2%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days+4.1%4 of 5
Next 10 trading days+2.7%4 of 5
Next 15 trading days+2.3%3 of 5
Next 20 trading days+6.6%4 of 5
Next 30 trading days+6.7%4 of 5

For scale, LKFN’s typical 20-trading-day move in either direction is about 4.8%.

Lakeland Financial market cap and key statistics

Lakeland Financial’s market cap is $1.43B, with a P/E ratio of 13.2 and revenue of $273.7M over the last twelve months.

Valuation

Market cap
$1.43B
P/E ratio
13.2
Forward P/E
20.1
EPS, TTM
$4.36
Gekko Fair Value
$62.65

Trading

Volume
241,285
Avg volume, 20 days
228,788
52-week high
$64.55
52-week low
$54.36
Shares outstanding
24.86M

Financials

Revenue, TTM
$273.7M
Profit margin
40.6%
Return on equity
15%
Quarterly earnings growth, YoY
+8.7%

Risk and income

Beta
0.76
Typical daily move
±1.9%
Typical 20-day move
±4.8%
Dividend yield
3.60%

Lakeland Financial peers

Lakeland Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

StockTodayGekkoIndex zonevs Fair Value
CMCanadian Imperial Bank of Commerce+0.4%Accumulation5.7% below
USBU.S. Bancorp+0.4%Accumulation11.0% below
NUNu−0.6%Neutral0.7% below
TFCTruist Financial+0.9%Accumulation9.6% below
FITBFifth Third Bancorp+0.1%Accumulation11.2% below
MTBM&T Bank+0.9%Accumulation9.1% below

A peer links to its own page where one exists.

In the Buying zone today

VZTMUSTBMYINGBCS

Reporting earnings this week

JPMJNJUNHGSWFCC

Popular on Gekko

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Lakeland Financial stock FAQ

What is Lakeland Financial’s market cap?

Lakeland Financial’s market cap is $1.43B at the Oct 12, 2026 close of $57.24, with 24.86M shares outstanding. The shares trade on a P/E ratio of 13.2.

What is the Lakeland Financial stock forecast?

The consensus analyst 12-month price target for Lakeland Financial is $66.50, +16.2% from the last close. Of the 1 firm that rated the stock in the last 90 days, 0 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is Lakeland Financial stock overvalued or undervalued?

On Gekko’s estimate Lakeland Financial is undervalued: the Oct 12, 2026 close of $57.24 is 8.6% below Gekko Fair Value of $62.65. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does Lakeland Financial report earnings next?

Lakeland Financial is expected to report on Oct 26, 2026 (14 days away). Analysts expect earnings of $1.09 per share on revenue of $73.74M. Lakeland Financial beat the earnings estimate in 6 of its last 8 reports, moving 3.5% on average across the report.

What is Lakeland Financial’s 52-week high and low?

Lakeland Financial’s 52-week high is $64.55 and its 52-week low is $54.36; it closed at $57.24 on Oct 12, 2026, −9.1% over the past year. Over the last five years the shares peaked at $85.71 on Jan 18, 2022.

Is Lakeland Financial stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

Built and overseen by Jared Mann

Founder of Gekko.app. Jared has traded stocks and ETFs for more than 20 years and has a financial industry background.

About GekkoHow Gekko’s data worksReport an error

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