NASDAQ$LKFN

Lakeland Financial Corp · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

Lakeland Financial reported record quarterly net income, driven by strong organic loan and deposit growth, exceptional Paycheck Protection Program management, and prudent balance sheet management.

Lakeland Financial Corporation reported a record quarterly net income of $24.3 million for Q2 2021, a 24% increase compared to Q2 2020. Diluted earnings per share increased by 23% to $0.95. The company saw strong organic loan and deposit growth and effectively managed the Paycheck Protection Program.

  • Net income increased 24% year-over-year to $24.3 million.
  • Diluted earnings per share increased 23% year-over-year to $0.95.
  • Organic loan growth, excluding PPP loans, was $223.6 million, or 6%.
  • Core deposit growth was $769.3 million, or 17%.

Headline financials

Total Revenue

$55M

Previous: $50.7M+8.5%
EPS (adj)

$0.95

Previous: $0.77+23.4%
Efficiency Ratio

48.5%

Previous: 41.6%+16.6%
Net Interest Margin

3.0%

Previous: 3.1%-2.9%
Capital Expenditures

-$3.3M

Previous: -$3.28M-0.5%
Free Cash Flow

$21.1M

Previous: $16.4M+28.4%
Net Income

$24.3M

Previous: $19.7M+23.8%
Operating Income

$43.6M

Previous: $32.2M+35.4%
Gross Profit

$54M

Previous: $44.8M+20.4%
Cash & Equivalents

$573M

Previous: $126M+353.4%
Total Assets

$6.23B

Previous: $5.44B+14.6%
Stock-Based Comp

$2.97M

Previous: $34K+8632.4%

Revenue & EPS history

Lakeland Financial · Revenue · Quarterly

$55M

Q2 2021+8.5%vs Q2 2020
Beat estimate in 13 of 16 quarters(81%)
ActualEstimate

Forward guidance

Lakeland Financial looks forward to expanding business development efforts and focusing on growing relationships with clients and prospects in the second half of 2021.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2021

Historical avgQ2 2021

+0.7%

Avg return

Earnings day

+1.0%

Avg return

5 days after

+2.5%

Avg return

30 days after

53%

35 / 66 earnings

Positive

+14.2%

Q4 2023

Best reaction

-8.1%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.5%+2.8%+0.9%
Q4 2025+4.3%+1.3%+0.9%
Q3 2025-5.2%-7.8%-5.0%
Q2 2025-0.8%+0.2%+2.6%
Q1 2025-2.0%+2.0%+7.4%
Q4 2024+2.8%+1.7%-2.6%
Q3 2024+2.3%+2.5%+15.5%
Q2 2024+2.1%-1.5%-4.2%
Q1 2024-4.6%-6.2%-2.5%
Q4 2023+14.2%+13.4%+0.5%
Q3 2023+5.7%+4.1%+18.2%
Q2 2023+0.6%+1.5%+1.4%
Q1 2023-8.1%-9.7%-10.2%
Q4 2022-6.7%-5.9%-2.7%
Q3 2022+6.4%+8.0%+1.4%
Q2 2022+6.6%+10.5%+9.9%
Q1 2022-3.1%-4.7%-5.8%
Q4 2021-0.7%-2.3%-4.6%
Q3 2021-4.8%-8.0%-5.0%
Q2 2021+4.2%+17.4%+17.0%
Q1 2021-3.2%-5.7%-12.1%
Q4 2020+3.0%-2.1%+16.1%
Q3 2020+2.6%+3.9%+10.2%
Q2 2020-2.5%-2.7%+1.5%
Q1 2020+12.3%+8.2%+19.5%
Q4 2019+1.8%-0.5%-10.0%
Q3 2019+2.0%+3.1%+3.4%
Q2 2019+0.2%+0.8%-8.0%
Q1 2019+1.6%+1.7%-1.8%
Q4 2018+2.0%+2.9%+8.8%
Q3 2018+7.2%+9.5%+15.3%
Q2 2018+1.5%-1.5%+1.5%
Q1 2018-1.3%-3.0%+0.7%
Q4 2017-3.0%-3.5%-4.6%
Q3 2017+0.8%-2.1%-1.2%
Q2 2017+1.6%+0.8%-3.0%
Q1 2017+7.1%+2.5%-1.8%
Q4 2016+3.3%-1.3%+3.1%
Q3 2016+5.8%+4.6%+24.8%
Q2 2016+3.3%+3.3%+6.4%
Q1 2016+1.9%
Q4 2015-0.4%
Q3 2015-3.4%
Q2 2015-1.0%
Q1 2015+1.7%
Q4 2014-4.6%
Q3 2014+2.9%
Q2 2014+0.3%
Q1 2014-1.8%
Q4 2013+4.9%
Q3 2013+2.2%
Q2 2013+5.1%
Q1 2013+2.9%
Q4 2012-2.1%
Q3 2012+1.0%
Q2 2012-1.7%
Q1 2011-0.9%
Q1 2012-0.7%
Q4 2011-1.5%
Q4 2009-1.5%
Q3 2011-2.9%
Q3 2010-2.9%
Q2 2011-3.7%
Q2 2010-3.7%
Q4 2010-3.7%
Q1 2010-2.0%

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