NASDAQ$LKFN

Lakeland Financial Corp · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Lakeland Financial reported record third quarter net income and year-to-date record net income improved.

Lakeland Financial Corporation reported a record third quarter net income of $24.1 million, an increase of 6% compared to the third quarter of 2020. Diluted earnings per share increased 6% to $0.94. The company's net income for the nine months ended September 30, 2021, was a record $71.5 million, a 20% increase compared to the same period in 2020.

  • Net income increased by 6% year-over-year to $24.1 million.
  • Diluted earnings per share increased by 6% year-over-year to $0.94.
  • Average loan growth, excluding PPP loans, increased by 5%.
  • Core deposit growth increased by 14%.

Headline financials

Total Revenue

$56.9M

Previous: $53M+7.2%
EPS (adj)

$0.94

Previous: $0.89+5.6%
Efficiency Ratio

45.7%

Previous: 43.6%+4.8%
Net Interest Margin

3.1%

No prior period
Capital Expenditures

-$5.27M

Previous: -$5.15M-2.2%
Free Cash Flow

$18.9M

Previous: $17.6M+7.0%
Net Income

$24.1M

Previous: $22.8M+5.9%
Operating Income

$44.4M

Previous: $39M+13.8%
Gross Profit

$53.9M

Previous: $50.7M+6.2%
Cash & Equivalents

$557M

Previous: $129M+331.7%
Total Assets

$6.22B

Previous: $5.55B+12.1%
Stock-Based Comp

$1.79M

Previous: $375K+376.0%

Revenue & EPS history

Lakeland Financial · Revenue · Quarterly

$56.9M

Q3 2021+7.2%vs Q3 2020
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Forward guidance

The loan pipeline is encouraging, and the company continues to see an increase in both client and prospect in-person business development meetings that they are confident will lead to loan growth in the future.

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 Q3 2021

Historical avgQ3 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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