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Lakeland Financial LKFN Net Interest Income

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Other financials

Income statement

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Revenue$70.9M+6.8%
Net income$28.4M+5.5%
EPS (diluted)$1.13+8.7%

Balance sheet

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Cash & equivalents$194.1M-37.4%
Total debt$147.9M+1,064%
Total equity$773.3M+8.9%
Total assets$7.2B+4.0%

Cash flow

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Operating cash flow$24.4M+50.7%
CapEx$5.2M+147%
Free cash flow$19.1M+36.1%

Valuation

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Market cap$1.55B-0.6%
Enterprise value$1.5B+19.1%
P/E13.9×-2.6×
P/S5.5×-0.6×

Profitability

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Net margin39.8%+2.7pp
FCF margin40%+3.4pp

Returns & leverage

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Return on equity15%+1.1pp
Debt / equity0.2×+0.2×

Where this comes from

Reported directly by Lakeland Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Lakeland Financial’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 7:56 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000721994-26-000067
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Interest on deposits36,37939,11169,81075,569
Interest on short-term borrowings4683982,2511,520
Total interest expense36,84739,50972,06177,089
NET INTEREST INCOME58,30154,876115,074107,751
Provision for credit losses1,7083,0003,7089,800
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES56,59351,876111,36697,951
NONINTEREST INCOME
Wealth advisory fees3,0172,6676,0805,534

Cover / Front Matter

FAQ

What is Lakeland Financial's net interest income?
Lakeland Financial (LKFN) reported net interest income of $58.3M in Q2 2026.
How has Lakeland Financial's net interest income changed year-over-year?
Lakeland Financial's net interest income increased by 6.2% year-over-year, from $54.88M to $58.3M.
What is the long-term trend for Lakeland Financial's net interest income?
Over 4 years (2021 to 2025), Lakeland Financial's net interest income has grown at a 5.5% compound annual growth rate (CAGR), from $178.09M to $221.02M.
What does net interest income mean?
The difference between the interest earned on assets, such as loans and securities, and the interest paid on liabilities, such as deposits and borrowings. It represents the primary source of revenue for a bank and is a key indicator of core banking profitability.

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