The filing is a routine investor presentation with no new guidance or material events. Monitor the upcoming 10-Q for detailed Q3 financials and any forward guidance on net interest margin trajectory and loan growth sustainability.
Price Chart
Executive Summary
Lakeland Financial Corporation filed an 8-K with an investor presentation for Q3 2026, highlighting year-to-date net income growth of 14% YoY, diluted EPS growth of 16% YoY, and net interest margin expansion of 8 basis points. The presentation is a routine Regulation FD disclosure for investor meetings and contains no new material financial guidance or unexpected events.
Key Facts
- Year-to-date 2026 net income of $83.775 million, up 14% from $73.455 million in YTD 2025
- Year-to-date 2026 diluted EPS of $3.31, up 16% from $2.85 in YTD 2025
- Net interest margin expanded to 3.58% in Q3 2026 from 3.50% in Q3 2025, an 8 basis point increase
- Year-to-date 2026 total revenue of $213.574 million, up 7% from $199.192 million in YTD 2025
- Year-to-date 2026 pretax pre-provision earnings of $107.845 million, up 7% from $101.032 million in YTD 2025
- Year-to-date average loan growth of $313 million or 6% compared to prior year
- Year-to-date average deposit growth of $236 million or 4% compared to prior year
- TCE/Tangible Assets ratio of 10.11% and Total Risk-Based Capital ratio of 15.56% as of September 30, 2026
- Nonperforming loans to total loans remained at historic lows of 0.25% as of YTD 2026
Financial Impact
Year-to-date net income increased by $10.32 million (14% YoY) and diluted EPS increased by $0.46 (16% YoY). Net interest margin expanded 8 bps to 3.58%.
Risk Factors
- Forward-looking statements in the presentation are not commitments and actual results may differ materially
- Presentation contains no updated guidance or preliminary results, limiting actionable content
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000721994-26-000075 |
| Document: lkfn-20261026.htm | 0000721994-26-000075 |
| Document: 0000721994-26-000075-index-headers.html | 0000721994-26-000075 |
| Document: 0000721994-26-000075-index.html | 0000721994-26-000075 |
| Document: 0000721994-26-000075.txt | 0000721994-26-000075 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 1d ago | Press Release | $58.39 | awaiting T+1 | — | $60.84 (+4.20%) |
Oct 26, 2026 1d ago | 8-K | $58.39 | awaiting T+1 | — | $60.84 (+4.20%) |
Oct 26, 2026 1d ago | 8-K | $58.39 | awaiting T+1 | — | $60.84 (+4.20%) |
Oct 13, 2026 13d ago | 8-K | $56.87 $57.02 | ▲ +0.26% | ▲ +1.34% | $60.84 (+6.98%) |
Jul 27, 2026 13w ago | 8-K | $63.35 $63.70 | ▲ +0.55% | ▲ +0.31% | $60.84 (−3.96%) |
Jul 27, 2026 13w ago | 8-K | $63.35 $63.70 | ▲ +0.55% | ▲ +0.31% | $60.84 (−3.96%) |
Jul 27, 2026 13w ago | Press Release | $63.35 $63.70 | ▼ −0.55% | ▼ −0.31% | $60.84 (+3.96%) |
Jul 21, 2026 14w ago | Press Release | $62.11 $61.31 | ▼ −1.29% | ▼ −1.17% | $60.84 (−2.04%) |
May 1, 2026 25w ago | Insider Cluster | $61.38 $60.71 | ▼ −1.09% | ▼ −0.75% | $60.84 (−0.88%) |
Apr 27, 2026 26w ago | 8-K | $61.55 $61.67 | ▲ +0.20% | ▲ +0.68% | $60.84 (−1.15%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers