NASDAQ$LKFN

Lakeland Financial Corp · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Lakeland Financial reported a net income of $25.3 million, with diluted earnings per share of $0.98, and experienced 10% annualized average loan growth.

Lakeland Financial Corporation reported a net income of $25.3 million for the third quarter of 2023, a decrease of $3.3 million, or 11%, compared to the same period in 2022. Diluted earnings per share were $0.98, a 12% decrease year-over-year. However, net income increased 73% compared to the second quarter of 2023. The company experienced double-digit organic loan growth and maintained a robust liquidity position.

  • Net income for Q3 2023 was $25.3 million, down 11% compared to Q3 2022.
  • Diluted earnings per share for Q3 2023 were $0.98, a 12% decrease compared to Q3 2022.
  • Loan growth was $381.1 million, or 8%, compared to the third quarter of 2022.
  • Net interest margin contracted by 36 basis points year-over-year to 3.21%.

Headline financials

Total Revenue

$59.2M

Previous: $62.7M-5.5%
EPS (adj)

$0.98

Previous: $1.11-11.7%
Net Interest Margin

3.2%

No prior period
Tangible Capital Ratio

8.6%

Previous: 8.2%+5.1%
Capital Expenditures

-$5.01M

Previous: -$3.68M-36.2%
Free Cash Flow

$20.2M

Previous: $24.8M-18.5%
Net Income

$25.3M

Previous: $28.5M-11.5%
Operating Income

$11.1M

Previous: $45.3M-75.6%
Gross Profit

$58.4M

Previous: $61.7M-5.3%
Cash & Equivalents

$146M

Previous: $205M-28.6%
Total Assets

$6.43B

Previous: $6.29B+2.2%
Stock-Based Comp

$2.19M

Previous: $2.09M+4.4%

Revenue & EPS history

Lakeland Financial · Revenue · Quarterly

$59.2M

Q3 2023-5.5%vs Q3 2022
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 focuses on the results of the third quarter of 2023 and does not include any projections or expectations for future performance.

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 2023

Historical avgQ3 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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