NASDAQ$LKFN

Lakeland Financial Corp · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Lakeland Financial reported record quarterly performance with an increase in net income and diluted earnings per share.

Lakeland Financial Corporation reported a record third quarter net income of $28.5 million, an 18% increase compared to the third quarter of 2021. Diluted earnings per share also increased by 18% to $1.11. The company's performance was driven by strong organic loan growth and an expansion of the net interest margin.

  • Diluted earnings per share increased by $0.17, or 18%, from $0.94 to $1.11.
  • Core loan growth (excluding PPP loans) increased by $340.7 million, or 8%.
  • Net interest income increased by $6.8 million, or 15%.
  • Net interest margin excluding PPP loans expanded by 62 basis points to 3.57%.

Headline financials

Total Revenue

$62.7M

Previous: $56.9M+10.2%
EPS (adj)

$1.11

Previous: $0.94+18.1%
Efficiency Ratio

44.5%

Previous: 45.7%-2.6%
Tangible Capital Ratio

8.2%

No prior period
Capital Expenditures

-$3.68M

Previous: -$5.27M+30.1%
Free Cash Flow

$24.8M

Previous: $18.9M+31.8%
Net Income

$28.5M

Previous: $24.1M+18.3%
Operating Income

$45.3M

Previous: $44.4M+2.1%
Gross Profit

$61.7M

Previous: $53.9M+14.5%
Cash & Equivalents

$205M

Previous: $557M-63.2%
Total Assets

$6.29B

Previous: $6.22B+1.1%
Stock-Based Comp

$2.09M

Previous: $1.79M+17.3%

Revenue & EPS history

Lakeland Financial · Revenue · Quarterly

$62.7M

Q3 2022+10.2%vs Q3 2021
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Forward guidance

Lakeland Financial Corporation did not provide specific forward guidance in the provided document. The document focused on the results of the third quarter of 2022 and the nine months ended September 30, 2022.

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 2022

Historical avgQ3 2022

+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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