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Lakeland Financial LKFN Provision for Credit Losses

Provision for Credit Losses at other companies

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$4M-60.8%

Other financials

Income statement

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Revenue$69.7M+9.3%
Net income$26.5M+31.8%
EPS (diluted)$1.04+33.3%

Balance sheet

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Cash & equivalents$151.3M-35.7%
Total debt$125.1M+1,780%
Total equity$748.9M+7.8%
Total assets$7.1B+3.4%

Cash flow

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Operating cash flow$34.7M+19.9%
CapEx$4.7M+164%
Free cash flow$30.0M+10.4%

Valuation

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Market cap$1.53B+3.0%
Enterprise value$1.51B+19.6%
P/E14×-2.5×
P/S5.6×-0.2×

Profitability

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Net margin39.9%+4.9pp
FCF margin38.8%+0.8pp

Returns & leverage

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Return on equity15.2%+1.8pp
Debt / equity0.2×+0.2×

Where this comes from

Reported directly by Lakeland Financial in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.

The official record: Lakeland Financial’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Lakeland Financial's provision for credit losses?
Lakeland Financial (LKFN) reported provision for credit losses of $2M in Q1 2026.
How has Lakeland Financial's provision for credit losses changed year-over-year?
Lakeland Financial's provision for credit losses decreased by 70.6% year-over-year, from $6.8M to $2M.
What is the long-term trend for Lakeland Financial's provision for credit losses?
Over 4 years (2021 to 2025), Lakeland Financial's provision for credit losses has grown at a 81.9% compound annual growth rate (CAGR), from $1.08M to $11.8M.
What does provision for credit losses mean?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.