LKFN - NASDAQ
Lakeland Financial Corporation
$58.41
-2.8%Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. Its loan products include commercial and industrial, commercial real estate and multi-family residential, agri-business and agricultural, consumer 1-4 family mortgage, and other consumer loans. The company also offers retail and merchant credit card services; corporate treasury management, wealth advisory, and trust services; retail brokerage services, including various financial and investment products, such as annuities and life insurance; and mobile business banking and on-line treasury management services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. As of December 31, 2021, the company operated 51 offices in fifteen counties, including 45 offices in northern Indiana and six offices in central Indiana. Lakeland Financial Corporation was founded in 1872 and is headquartered in Warsaw, Indiana.
At a Glance
Live SnapshotLakeland Financial Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Lakeland Financial Corporation Cash Flow Statement
LKFN • NASDAQ
| Lakeland Financial Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
103.4M | 93.5M | 93.8M | 103.8M | 95.7M | 84.3M | 87M | 80.4M | 57.3M | 52.1M | 46.4M | 43.8M | 38.8M | 35.4M | 30.7M | 24.5M | 19M | 19.7M | 19.2M | 18.7M | |
6M | 6M | 6.2M | 6.8M | 8.4M | 6.8M | 6.5M | 6.2M | 5.7M | 4.8M | 4.3M | 3.9M | 3.6M | 3.6M | 2.9M | 2.9M | 2.5M | 2.1M | 2.3M | 4.1M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -138K | -371K | -191K | 0.0 | 0.0 | 0.0 | |
8.6M | 4.6M | 3.7M | 7.8M | 7.2M | 1.8M | 4.2M | 5.6M | 5.7M | 4.2M | 2.5M | 2.8M | 2M | 1.3M | 1.3M | 739K | 411K | 233K | 0.0 | 0.0 | |
10.4M | 7.8M | 6.5M | 20.9M | 4.7M | 8.4M | 546K | 7.6M | 5.1M | -1.3M | 500K | 3.8M | 13.6M | 3.6M | 19.4M | 21.5M | 20.2M | 8.2M | 5M | 1.5M | |
(16.7M) | (23.8M) | (14.1M) | (20.6M) | (25.9M) | (19.4M) | (21M) | (19M) | (29.1M) | (21.6M) | (21.6M) | (21.2M) | (17.3M) | (12.7M) | (21.5M) | (18.6M) | (11.7M) | (8.4M) | (0.0) | (0.0) | |
-13.5M | -9.4M | 3.9M | 30M | -2.2M | -14.1M | 1.8M | 5.2M | 3.4M | 2.4M | 2.1M | 13K | 4.9M | 6.6M | -2.8M | -3.5M | -17.6M | -901K | 6.4M | -4.1M | |
114.9M | 102.5M | 114M | 169.3M | 113.8M | 87.2M | 100M | 105M | 77.2M | 62.2M | 55.8M | 54.4M | 63M | 50.6M | 51.4M | 45.7M | 24.3M | 29.4M | 33M | 20.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-11.1M | -8.6M | -6M | -4.8M | -6.2M | -5.7M | -8M | -8M | -9.6M | -9.8M | -9.2M | -6.6M | -7.5M | -2.9M | -6.7M | -3M | -1.3M | -5M | -4.1M | -2.3M | |
-83.3M | -27.5M | -7.2M | -315.3M | -835M | -216.5M | -129.5M | -126.6M | -139.3M | -116.2M | -91.8M | -73.4M | -167.5M | -161.6M | -179.3M | -114.1M | -131.3M | -154.6M | -104M | -74.2M | |
66.8M | 75.8M | 177M | 133.5M | 151.8M | 106M | 124.9M | 69.1M | 102.6M | 81.4M | 82.5M | 71.7M | 142.6M | 153M | 157.4M | 90.5M | 115M | 66.5M | 75.2M | 68.4M | |
-297.8M | -203.9M | -218.8M | -439.9M | 357.8M | -595.8M | -156.2M | -101M | -349.8M | -397.9M | -320.6M | -230.3M | -280.2M | -47.2M | -148.1M | -93M | -186.7M | -317.2M | -178.3M | -156.3M | |
-325.4M | -164.2M | -54.9M | -626.5M | -331.5M | -712M | -168.7M | -166.4M | -396.1M | -442.4M | -339.1M | -238.5M | -312.5M | -58.7M | -176.7M | -119.6M | -204.4M | -410.3M | -211.2M | -164.4M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-21.5M | -201K | -170K | -358K | -444K | -10.4M | -397K | -348K | -495K | -458K | -455K | -444K | -399K | -421K | -244K | -212K | 57.7M | -211K | 924K | 1.6M | |
184.2M | -50M | -247M | 222M | -10.5M | -84.5M | -106.5M | 94.9M | -79.4M | 90.4M | -20.8M | -101.5M | 125M | -20.1M | -32.1M | -205M | 101.4M | -23.6M | 128.7M | -24.1M | |
-51.4M | -49.3M | -47.1M | -40.9M | -34.7M | -30.6M | -29.7M | -25.3M | -21.4M | -18.2M | -15.7M | -13.6M | -9.4M | -13.6M | -10.1M | -11.6M | -9.7M | -7.4M | -6.6M | -5.9M | |
-20.4M | -592K | -575K | -579K | -559K | -10.5M | -515K | -463K | -495K | -458K | -455K | -444K | -399K | -421K | -244K | -56.3M | -231K | -211K | (0.0) | (0.0) | |
72.4M | 177.6M | 256.8M | -276.6M | 696.7M | 900.8M | 87.6M | 33M | 429M | 395.1M | 310.3M | 327.1M | -34.8M | 170M | 212.1M | 351M | -33.4M | 408.5M | 3.2M | 209.5M | |
183.6M | 78.1M | -37.5M | -95.8M | 651.1M | 775.3M | -48.9M | 102.2M | 327.7M | 466.9M | 273.4M | 211.6M | 80.4M | 135.8M | 169.8M | 78.1M | 172.1M | 377.3M | 126.1M | 181.2M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-26.9M | 16.4M | 21.5M | -553M | 433.3M | 150.5M | -117.5M | 40.7M | 8.9M | 86.6M | -10M | 27.5M | -169.1M | 127.7M | 44.4M | 4.2M | -8M | -3.7M | -52M | 37M | |
168.2M | 151.8M | 130.3M | 683.2M | 249.9M | 99.4M | 216.9M | 176.2M | 167.3M | 80.7M | 90.6M | 63.1M | 232.2M | 104.6M | 60.1M | 56M | 64M | 67.7M | 119.7M | 82.7M | |
141.3M | 168.2M | 151.8M | 130.3M | 683.2M | 249.9M | 99.4M | 216.9M | 176.2M | 167.3M | 80.7M | 90.6M | 63.1M | 232.2M | 104.6M | 60.1M | 56M | 64M | 67.7M | 119.7M | |
103.8M | 93.9M | 108M | 164.5M | 107.6M | 81.5M | 92M | 97M | 67.7M | 52.4M | 46.6M | 47.8M | 55.5M | 47.7M | 44.7M | 42.7M | 22.9M | 24.4M | 29M | 17.9M |
SEC Filings
LKFN - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | April 29, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 15, 2026 | April 14, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 14, 2026 | April 14, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 06, 2026 | March 05, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 05, 2026 | February 24, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 26, 2026 | 2026 |
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