NASDAQ$LKFN

Lakeland Financial Corp · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

Lakeland Financial reported Q3 2025, net income of $26.4M, diluted EPS of $1.03.

For Q3 2025, Lakeland Financial reported net income of $26.4M, diluted EPS was $1.03. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Net income $26.4M.
  • Diluted EPS $1.03.
  • Lakeland Financial highlights operating priorities and capital allocation.

Headline financials

Total Revenue

$69M

Previous: $61.2M+12.8%
EPS (adj)

$1.03

Previous: $0.91+13.2%
Efficiency Ratio

50.6%

Previous: 49.7%+2.0%
Net Interest Margin

3.5%

Previous: 3.2%+10.8%
Tangible Book Value/Share

$28.93

Previous: $27.07+6.9%
Average Loans Growth

$142M

No prior period
Core Deposits Growth

$108M

No prior period
Common Equity Tier 1

15.1%

Previous: 14.5%+3.9%
Tangible Capital Ratio

10.8%

Previous: 10.5%+3.1%
Total Capital to Risk Assets

16.2%

Previous: 15.7%+3.0%
TCE to Tangible Assets

10.8%

Previous: 10.5%+3.1%
Adj. TCE to Adj. Tangible Assets

12.6%

Previous: 12.3%+2.3%
ACL Reserve to Loans

1.3%

Previous: 1.6%-21.2%
NPA to Total Assets

0.3%

Previous: 0.9%-67.8%
Watch List Loans to Loans

3.0%

Previous: 5.3%-43.1%
Loan Beta

20.0%

No prior period
Deposit Beta

43.0%

No prior period
Investment Securities to Assets

16.9%

Previous: 17.3%-2.2%
Noninterest Deposits to Total

21.1%

No prior period
Capital Expenditures

-$8.92M

Previous: -$6.65M-34.2%
Net Income

$26.4M

Previous: $23.3M+13.1%
Operating Income

$32.1M

Previous: $9K+356144.4%

Revenue & EPS history

Lakeland Financial · Revenue · Quarterly

$69M

Q3 2025+12.8%vs Q3 2024
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Forward guidance

The release discusses Lakeland Financial's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Net interest income and credit quality support the regional banking outlook.
  • Lakeland Financial cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

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 2025

Historical avgQ3 2025

+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%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro