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Lakeland Financial LKFN Q3 2025 earnings

Reported October 27, 2025 · Before market open

Revenue$69.0MMiss by $125.0K
EPS$1.03Miss by $0.01
Revenue estimate$69.2M
EPS estimate$1.04

Next report

Oct 26, 2026 (In 3 weeks)
Revenue estimate$73.7M
EPS estimate$1.09

Financials

Q3 2025

Income statement

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Revenue$69.0M+12.8%
Net income$26.4M+13.1%
EPS (diluted)$1.03+13.2%

Balance sheet

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Cash & equivalents$192.8M+20.4%
Total debt$62.2M+68.6%
Total equity$747.4M+6.9%
Total assets$6.9B+3.8%

Cash flow

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Operating cash flow$36.1M+100%
CapEx$5.0M+87.0%
Free cash flow$31.1M+103%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.64B-2.0%
Enterprise value$1.51B-2.6%
P/E16.8×-0.1×
P/S6.2×-0.3×

Profitability

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Net margin37.2%-1.5pp
FCF margin41.5%+9.1pp

Returns & leverage

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Return on equity13.5%-2.2pp
Debt / equity0.1×0.0×

FAQ

When did Lakeland Financial report Q3 2025 earnings?
Lakeland Financial (LKFN) reported Q3 2025 earnings on October 27, 2025 before market open.
What were Lakeland Financial's Q3 2025 revenue and EPS?
Lakeland Financial reported revenue of $69.0M and eps of $1.03 for Q3 2025.
Did Lakeland Financial beat estimates in Q3 2025?
Revenue missed the consensus estimate of $69.2M by $125.0K. EPS missed the consensus estimate of $1.04 by $0.01.
How did Lakeland Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.8% from $61.2M a year earlier and eps grew 13.2% from $0.91.
Where can I find Lakeland Financial's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000721994-25-000225) and the 10-Q periodic report (0000721994-25-000228) directly on SEC EDGAR. The filing index links above go to sec.gov.