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Lakeland Financial LKFN Q4 2025 Annual earnings

Reported January 26, 2026 · Before market open

Revenue$69.8MBeat by $348.8K
EPS$1.16Beat by $0.11
Revenue estimate$69.4M
EPS estimate$1.05

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$73.7M
EPS estimate$1.06

Financials

Q4 2025

Income statement

See full
Revenue$69.8M+9.8%
Net income$29.9M+23.6%
EPS (diluted)$1.16+23.4%

Balance sheet

See full
Cash & equivalents$141.3M-16.0%
Total debt$361.3M+5,231%
Total equity$762.4M+11.5%
Total assets$7.0B+4.7%

Cash flow

See full
Operating cash flow$33.7M-12.8%
CapEx$2.2M+10.8%
Free cash flow$31.5M-14.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.46B-16.9%
Enterprise value$1.68B+5.3%
P/E14.1×-4.7×
P/S5.4×-1.5×

Profitability

See full
Net margin38.4%+1.6pp
FCF margin38.6%+1.6pp

Returns & leverage

See full
Return on equity14.3%+0.3pp
Debt / equity0.5×+0.5×

Versus estimates

Revenue

Q2 2026$70.9MMiss by $1.2MQ1 2026$69.7MMiss by $713.0K
Q4 2025$69.8MBeat by $348.8K
Q3 2025$69.0MMiss by $125.0KQ2 2025$66.4MMiss by $2.4MQ1 2025$63.8MMiss by $197.0K

Diluted EPS

Q2 2026$1.13Beat by $0.05Q1 2026$1.04Beat by $0.03
Q4 2025$1.16Beat by $0.11
Q3 2025$1.03Miss by $0.01Q2 2025$1.04Beat by $0.11Q1 2025$0.78Miss by $0.09

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Questions, answered.

When did Lakeland Financial report Q4 2025 earnings?
Lakeland Financial (LKFN) reported Q4 2025 earnings on January 26, 2026 before market open.
What were Lakeland Financial's Q4 2025 revenue and EPS?
Lakeland Financial reported revenue of $69.8M and eps of $1.16 for Q4 2025.
Did Lakeland Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $69.4M by $348.8K. EPS beat the consensus estimate of $1.05 by $0.11.
How did Lakeland Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.8% from $63.6M a year earlier and eps grew 23.4% from $0.94.
Where can I find Lakeland Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000721994-26-000012) and the 10-K periodic report (0000721994-26-000018) directly on SEC EDGAR. The filing index links above go to sec.gov.