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8-K ·Filed Jul 27, 2026

LKFN

LAKELAND FINANCIAL CORP
NEUTRAL
Impact 2/10
Horizondays Processed3mo ago SEC0000721994-26-000064
8-K context-dependent: Items 7.01
Actionable Insight • Neutral

This is a standard investor relations presentation — no immediate trading catalyst. Monitor the next 10-Q for updated guidance and loan growth trends.

DirectionNeutral
Confidencehigh
Horizondays
Final — all horizons settled through T+60d ⚠ clustered
LKFN ▼ -9.14% at T+60d
NEUTRAL call -9.14% · α vs SPY -12.85% · entry $63.35 → $57.56
Entry = T+0 close
Jul 27, 2026
via day close
T+1d
+0.55%
call +0.55% · α +0.31%
$63.70
settled 3mo ago
T+5d
-1.10%
call -1.10% · α -2.18%
$62.65
settled 3mo ago
T+20d
-4.94%
call -4.94% · α -8.24%
$60.22
settled 2mo ago
T+60d
-9.14%
call -9.14% · α -12.85%
$57.56
settled 7d ago

Price Chart

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Executive Summary

Lakeland Financial filed an 8-K furnishing a Q2 2026 investor presentation that highlights strong financial performance, including 17% YoY net income growth and 19% EPS growth, with net interest margin expanding 7 bps. However, this presentation is a routine disclosure of previously reported results; no new material information or guidance is provided.

Key Facts

  • Net income YTD 2026: $54.918M vs $47.051M YTD 2025 (up 17%)
  • Diluted EPS YTD 2026: $2.17 vs $1.82 YTD 2025 (up 19%)
  • Total revenue YTD 2026: $140.579M vs $130.165M YTD 2025 (up 8%)
  • Net interest margin (FTE) Q2 2026: 3.49%, up 7 bps from Q2 2025
  • Pretax pre-provision earnings YTD 2026: $70.971M vs $66.970M YTD 2025 (up 6%)
  • Tangible book value per share at June 30, 2026: $30.75; adjusted $35.70
  • TCE/Tangible Assets ratio: 10.63%; total risk-based capital: 15.61%

Financial Impact

Routine investor presentation; no new material financial impact.

Risk Factors

  • Potential interest rate sensitivity if deposit repricing outpaces loan repricing
  • Exposure to regional economic conditions in Indiana

Market Snapshot

Exchange
Nasdaq
Sector
State Commercial Banks
Analyst Consensus
0% bullish (9 analysts)

Investment Themes

Traditional Finance

Documents Analyzed

This report is based on 5 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0000721994-26-000064
Document: lkfn-20260727.htm0000721994-26-000064
Document: 0000721994-26-000064-index-headers.html0000721994-26-000064
Document: 0000721994-26-000064-index.html0000721994-26-000064
Document: 0000721994-26-000064.txt0000721994-26-000064
14 reports for LKFN
Performance horizon
50% Hit rate @ T+1 3 of 6 directional calls Went positive at some point 5 of 6 best @ T+60▲ +9.14%Jul 27, 2026
Filters
Rows
Reports for LKFN — sortable, filterable
TypeNow
Oct 26, 2026
1d ago
Press Release
NEUTRAL ★ 5/10
$61.17 $60.71▼ −0.74%▼ −1.30%$60.71 (−0.74%)
Oct 26, 2026
1d ago
8-K
NEUTRAL ★ 3/10
$61.17 $60.71▼ −0.74%▼ −1.30%$60.71 (−0.74%)
Oct 26, 2026
1d ago
8-K
BULLISH ★ 6/10
$61.17 $60.71▼ −0.74%▼ −1.30%$60.71 (−0.74%)
Oct 13, 2026
14d ago
8-K
NEUTRAL ★ 2/10
$56.87 $57.02▲ +0.26%▲ +1.34%$60.71 (+6.75%)
Jul 27, 2026
13w ago
8-K
NEUTRAL ★ 2/10
$63.35 $63.70▲ +0.55%▲ +0.31%$60.71 (−4.17%)
Jul 27, 2026
13w ago
8-K
NEUTRAL ★ 4/10
$63.35 $63.70▲ +0.55%▲ +0.31%$60.71 (−4.17%)
Jul 27, 2026
13w ago
Press Release
BEARISH ★ 5/10
$63.35 $63.70▼ −0.55%▼ −0.31%$60.71 (+4.17%)
Jul 21, 2026
14w ago
Press Release
NEUTRAL ★ 2/10
$62.11 $61.31▼ −1.29%▼ −1.17%$60.71 (−2.25%)
May 1, 2026
25w ago
Insider Cluster
NEUTRAL ★ 2/10
$61.38 $60.71▼ −1.09%▼ −0.75%$60.71 (−1.09%)
Apr 27, 2026
26w ago
8-K
BULLISH ★ 7/10
$61.55 $61.67▲ +0.20%▲ +0.68%$60.71 (−1.36%)
Showing 10 of 14

US Market Status

Market Closed — Opens Wed (< 1m)

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Report published Jul 27, 2026