LKFN at a glance
LAKELAND FINANCIAL CORP (LKFN, SEC CIK 721994) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on July 27, 2026 and Form 4 insider filings as recently as August 6, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), LAKELAND FINANCIAL CORP (LKFN) reported revenue of $373.7 million (up 0.2% from FY2024) and net income of $103.4 million. Diluted EPS was $4.01.
- As of June 30, 2026, 30 institutional investment managers tracked by SignalX reported holding LAKELAND FINANCIAL CORP (LKFN) shares worth $679.1 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Robinson-Gay Donald on August 5, 2026 of 500 shares at $63.00 per share.
- In the last 90 days, LKFN insiders reported 0 open-market purchases ($0) and 2 open-market sales ($47K) on Form 4, a net sale of $47K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $373.7M
- +0.2% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$47K
- 13F holders
- 30 funds
- $679.1M · +0 vs prior quarter
- Latest 8-K
- Jul 27, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core banking services including commercial and consumer banking, trust, wealth management, brokerage, treasury management focused on Northern and Central Indiana markets
- Opened 55th branch in Westfield, Indiana in September 2025, expanding presence in Indianapolis market
- Continued organic growth strategy with no mergers or acquisitions, assets grew to $7.0B at 10% CAGR since 1990
- Employee count 701 with 73% women or people of color, 60% of officers are women, reflecting strong diversity focus
- Employees averaged 21 hours of training per person in 2025 through Lake City University, promoting development and retention
Risk Factors
- Regulatory risk: FDIC may increase deposit insurance premiums or impose special assessments following 2023 bank failures, raising Lakeland’s costs and affecting capital
- Geopolitical/macro risk: Economic concentration in Northern and Central Indiana, with commercial real estate and industrial loan portfolios vulnerable to regional downturns and tariff impacts
- Operational risk: Labor market competition in Indiana with 3.5% unemployment challenges attracting and retaining commercial lenders, increasing compensation expenses
- Competitive risk: Rising competition for deposits from banks, credit unions, brokerage firms, and online deposit gatherers may pressure Lakeland’s deposit funding and liquidity
- Financial risk: Public fund deposits comprise 33.2% of total deposits, with five largest municipal accounts representing 18.9%, creating concentration risk and dependency on local government funding
Management Discussion & Analysis
- Revenue: Net interest income $221.0M in 2025, up 12.4% from $196.7M in 2024; total net income $103.4M, up 10.6% YoY from $93.5M
- Profitability: Net interest margin 3.45% in 2025 vs 3.18% in 2024; efficiency ratio 48.93% in 2025 vs 49.34% in 2024
- Best segment: Net interest income growth +$24.3M; worst segment: Noninterest income fell $8.9M (15.6%)
- Cash flow: Deposits rose $72.4M (1.2%) in 2025; borrowings $184.2M end 2025 vs zero prior; no buybacks/dividends capex detailed
- Outlook: Plans for organic loan and deposit growth, disciplined credit management, branch expansion with new office in Whitestown in 2026
AI summary of the LKFN 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Allowance for credit losses $70.6M, up $1.6M or 2.3% from December 31, 2025
- Unused liquidity $3.380B, down from $3.526B at December 31, 2025
- Total deposits $6.330B, up $356.2M or 6.0% from December 31, 2025
- Brokered deposits $299.2M, up $248.6M or 491.5% from December 31, 2025
- Share repurchases and dividends returned $49.8M to shareholders during six months ended June 30, 2026
Risk Factors
- No risk-factors section provided; changes from the latest 10-K cannot be assessed
- Share-repurchase authorization extended through April 30, 2027, with $17.1 million remaining
- $42.9 million repurchased under the current program, reducing available capital for other uses
- No senior-security defaults reported as of June 30, 2026
- No director or officer adopted or terminated Rule 10b5-1 arrangements during the quarter
AI summary of the LKFN 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 and first-half 2026 earnings released for periods ended June 30, 2026
- Detailed financial results and management commentary provided in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- Record Q2 net income $28.4M, up 5%, with diluted EPS $1.13, up 9% year over year
- Revenue rose 7% to $70.9M, supported by 7% net interest margin expansion to 3.49%
Item 7.01: Regulation FD Disclosure
- Investor presentation intended for meetings with investors and analysts
- Exhibit 99.1 contains the substantive disclosure for assessing strategy and financial outlook
Item 7.01: Regulation FD Disclosure
- Quarterly cash dividend of $0.52 per common share declared
- Payment scheduled for August 5, 2026
AI summaries of LKFN 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for LKFN
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Robinson-Gay Donald | Sell | Aug 5, 2026 | 500 | $63.00 |
| Christian Darrianne P | A | Aug 5, 2026 | 49 | $63.25 |
| Starr Daniel Brian | A | Aug 5, 2026 | 7 | $63.25 |
| Augsburger Blake | A | Aug 5, 2026 | 165 | $63.25 |
| Abbasi Faraz | A | Aug 5, 2026 | 24 | $63.25 |
| WELCH M SCOTT | A | Aug 5, 2026 | 507 | $63.25 |
| Truex Melinda Jo | A | Aug 5, 2026 | 87 | $63.25 |
| Toothaker Bradley J | M | Aug 5, 2026 | 162 | $63.25 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $343.3M | $373.2M | $373.7M |
| Net Income | $93.8M | $93.5M | $103.4M |
| Net Margin | 27.3% | 25.1% | 27.7% |
| Balance Sheet | |||
| Total Assets | $6.5B | $6.7B | $7.0B |
| Equity | $649.7M | $683.8M | $762.4M |
| ROE | 14.4% | 13.7% | 13.6% |
| Per Share | |||
| EPS | - | $3.63 | $4.01 |
| Cash Flow | |||
| Operating CF | $114.0M | $102.5M | $114.9M |
| CapEx | $6.0M | $8.6M | $11.1M |
Source: XBRL data in LAKELAND FINANCIAL CORP (LKFN)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate LKFN share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 30 | $679.1M |
| Q1 2026 | 30 | $611.8M |
| Q4 2025 | 28 | $610.0M |
| Q3 2025 | 29 | $670.4M |
| Q2 2025 | 29 | $665.4M |
| Q1 2025 | 26 | $422.5M |
| Q4 2024 | 20 | $419.0M |
| Q3 2024 | 19 | $238.4M |
- AQR Capital Management+144.5K (+244%)
- BlackRock+102.6K (+3%)
- Two Sigma Investments+61.0K (+17%)
- Millennium Management+53.0K (+91%)
- Citadel Advisors LLC+52.2K (+28%)
- Bank of America Corp−104.8K (-33%)
- Northern Trust−47.4K (-15%)
- Vanguard Capital Management LLC−32.7K (-3%)
- Goldman Sachs Group−23.9K (-11%)
- JPMorgan Chase & Co−20.2K (-30%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 211 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
LKFN filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| SC 13G | Jul 31, 2026 | - | - | |
| 4 | Jul 31, 2026 | - | - | - |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jul 14, 2026 | - | Analysis | - |
| 4 | Jul 10, 2026 | - | - | - |
| 4 | Jul 10, 2026 | - | - | - |
| 4 | Jul 10, 2026 | - | - | - |
| 4 | Jul 10, 2026 | - | - | - |
| 4 | Jul 10, 2026 | - | - | - |
| 4 | Jul 10, 2026 | - | - | - |
| 4 | Jul 10, 2026 | - | - | - |
| 4 | Jun 1, 2026 | - | - | |
| SC 13G | May 12, 2026 | - | - |
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LKFN SEC filings: frequently asked questions
Are LKFN insiders buying or selling?
In the last 90 days, LAKELAND FINANCIAL CORP (LKFN) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $47,305 by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold LKFN stock?
As of June 30, 2026, the largest LAKELAND FINANCIAL CORP (LKFN) holders among the 13F filers tracked by SignalX were BlackRock ($224.6 million), State Street Corp ($88.1 million), Vanguard Capital Management LLC ($65.8 million), Dimensional Fund Advisors ($42.4 million), Vanguard Portfolio Management LLC ($37.0 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was LKFN's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), LAKELAND FINANCIAL CORP (LKFN) reported revenue of $373.7 million (up 0.2% from FY2024) and net income of $103.4 million. Diluted EPS was $4.01. The figures come from the XBRL data in the 10-K.
What are the main risks in LKFN's latest 10-K?
In the 10-K filed February 25, 2026, LAKELAND FINANCIAL CORP (LKFN) flagged: Regulatory risk: FDIC may increase deposit insurance premiums or impose special assessments following 2023 bank failures, raising Lakeland’s costs and affecting capital. Geopolitical/macro risk: Economic concentration in Northern and Central Indiana, with commercial real estate and industrial loan portfolios vulnerable to regional downturns and tariff impacts. (AI summary of the Risk Factors section.)
What did LKFN report in its latest 8-K?
LAKELAND FINANCIAL CORP (LKFN) filed an 8-K on July 27, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Q2 and first-half 2026 earnings released for periods ended June 30, 2026.
What are the latest LKFN SEC filings?
LAKELAND FINANCIAL CORP (LKFN) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on July 27, 2026 and a Form 4 insider filing on August 6, 2026.
What is LKFN's SEC CIK number?
LAKELAND FINANCIAL CORP (LKFN)'s SEC Central Index Key (CIK) is 721994. EDGAR lists every LKFN filing under that number.
Ask anything about LKFN
The research agent reads LKFN's filings, financials, insider trades and 13F holders, then answers with sources.