NASDAQ$LKFN

Lakeland Financial Corp · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Net income of $14.6 million was reported, impacted by a wire fraud loss, but core operational profitability improved.

Lakeland Financial Corporation reported a decrease in net income for the second quarter of 2023 compared to the same period in 2022, primarily due to a wire fraud loss. However, core operational profitability improved, and loan growth remained strong.

  • Net income decreased by 43% compared to Q2 2022, totaling $14.6 million.
  • Diluted earnings per share decreased by 43% to $0.57.
  • Core operational profitability improved by 10% on a linked quarter basis and 4% annually.
  • Loan growth of $437.6 million represented a 10% annual increase.

Headline financials

Total Revenue

$60M

Previous: $59.2M+1.4%
EPS (adj)

$0.57

Previous: $1.00-43.0%
Net Interest Margin

3.3%

Previous: 3.3%+0.6%
Tangible Capital Ratio

9.0%

No prior period
Capital Expenditures

-$3.82M

Previous: -$2.31M-65.2%
Free Cash Flow

$10.8M

Previous: $23.4M-53.8%
Net Income

$14.6M

Previous: $25.7M-43.1%
Operating Income

$15.8M

Previous: $47.1M-66.5%
Gross Profit

$58.9M

Previous: $58.4M+1.0%
Cash & Equivalents

$173M

Previous: $170M+2.1%
Total Assets

$6.51B

Previous: $6.27B+3.9%
Stock-Based Comp

-$2.55M

Previous: $2.36M-208.2%

Revenue & EPS history

Lakeland Financial · Revenue · Quarterly

$60M

Q2 2023+1.4%vs Q2 2022
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Forward guidance

The company expects the investment securities portfolio as a percentage of assets to decrease over time as the proceeds from pay downs, sales and maturities of these investment securities are used to fund loan portfolio growth and for other general liquidity purposes.

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 2023

Historical avgQ2 2023

+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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