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About the company
Lakeland Financial Corporation is a bank holding company, which provides, through its subsidiary Lake City Bank (the Bank), a range of financial products and services throughout its Northern and Central Indiana markets. It offers commercial and consumer banking services, and trust and wealth management, brokerage, and treasury management commercial services. It serves a diverse customer base, including commercial customers across a wide variety of industries, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare. The Bank serves Central and Northern Indiana communities with 54 branch offices in 15 counties and a robust digital banking platform. The Bank’s deposits are insured by the Federal Deposit Insurance Corporation (the FDIC) to the maximum extent provided under federal law and FDIC regulations. It also provides credit card services to retail and commercial customers.
- Revenue in USD (TTM)373.74m
- Net income in USD103.36m
- Incorporated1983
- Employees669.00
- LocationLakeland Financial Corp202 East Center StreetWARSAW 46580United StatesUSA
- Phone+1 (574) 267-6144
- Websitehttps://www.lakecitybank.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Community Trust Bancorp Inc | 345.72m | 98.06m | 1.17bn | 930.00 | 11.91 | 1.37 | 15.88 | 4.15 | 5.43 | 5.43 | 15.66 | 47.26 | -- | -- | -- | -- | 1.52 | 1.49 | -- | -- | -- | -- | 34.70 | 35.35 | -- | -- | -- | 37.41 | 10.30 | 14.40 | 18.41 | 10.51 | -- | 5.50 |
| Peoples Bancorp Inc | 514.31m | 105.80m | 1.21bn | 1.45k | 11.33 | 1.00 | 13.74 | 2.63 | 2.99 | 2.99 | 12.99 | 33.87 | -- | -- | -- | -- | 1.13 | 1.22 | -- | -- | -- | -- | 23.25 | 25.48 | -- | -- | -- | 52.16 | -1.24 | 26.77 | -8.95 | 25.20 | -- | 3.54 |
| Tompkins Financial Corp | 382.07m | 161.07m | 1.22bn | 941.00 | 7.59 | 1.30 | 17.13 | 2.74 | 11.23 | 11.23 | 31.15 | 65.41 | -- | -- | -- | -- | 1.92 | 1.05 | -- | -- | -- | -- | 36.07 | 26.40 | -- | -- | -- | 41.12 | 9.93 | 8.48 | 127.34 | 15.99 | -- | 3.63 |
| Westamerica Bancorp | 230.98m | 116.17m | 1.28bn | 616.00 | 11.51 | 1.37 | 13.56 | 4.96 | 4.52 | 4.52 | 10.05 | 37.91 | -- | -- | -- | -- | 1.93 | 1.88 | -- | -- | -- | -- | 45.02 | 46.13 | -- | -- | -- | 36.35 | -13.82 | 6.85 | -16.20 | 7.64 | -- | 2.10 |
| Coastal Financial Corp (EVERETT) | 429.62m | 46.99m | 1.32bn | 488.00 | 28.71 | 2.69 | 33.75 | 2.44 | 3.04 | 3.04 | 35.05 | 32.43 | -- | -- | -- | -- | 1.06 | 1.21 | -- | -- | -- | -- | 8.68 | 10.42 | -- | -- | -- | -- | 8.28 | 46.79 | 3.92 | 25.41 | -- | -- |
| Origin Bancorp Inc | 537.96m | 75.20m | 1.41bn | 1.03k | 18.95 | 1.13 | 23.98 | 3.61 | 2.40 | 2.40 | 12.48 | 40.28 | -- | -- | -- | -- | 0.7751 | 0.9463 | -- | -- | -- | -- | 19.24 | 25.17 | -- | -- | -- | 19.77 | -4.72 | 18.66 | -1.69 | 15.64 | -- | 9.71 |
| ConnectOne Bancorp Inc | -100.00bn | -100.00bn | 1.43bn | 489.00 | -- | 0.9763 | -- | -- | -- | -- | -- | 31.30 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Republic Bancorp Inc | 438.51m | 131.32m | 1.43bn | 978.00 | 11.03 | 1.30 | 12.45 | 3.43 | 6.63 | 6.63 | 21.09 | 56.41 | -- | -- | -- | -- | 1.89 | 1.57 | -- | -- | -- | -- | 31.45 | 28.11 | -- | -- | -- | 26.15 | 1.28 | 11.69 | 29.54 | 9.54 | -- | 9.54 |
| Lakeland Financial Corp | 373.74m | 103.36m | 1.57bn | 669.00 | 15.57 | 2.06 | 20.20 | 5.85 | 4.01 | 4.01 | 10.43 | 30.23 | -- | -- | -- | -- | 1.51 | 1.50 | -- | -- | -- | -- | 38.43 | 39.63 | -- | -- | -- | 45.12 | 0.1546 | 14.12 | 10.57 | 4.15 | -- | 10.76 |
| Dime Community Bancshares Inc | -100.00bn | -100.00bn | 1.59bn | 887.00 | -- | 1.17 | -- | -- | -- | -- | -- | 33.65 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| OFG Bancorp | 773.88m | 199.56m | 1.81bn | 2.22k | 9.51 | 1.35 | 8.04 | 2.48 | 4.40 | 4.40 | 16.09 | 31.07 | -- | -- | -- | -- | 1.68 | 1.50 | -- | -- | -- | -- | 27.34 | 24.83 | -- | -- | -- | 20.72 | 15.63 | 14.95 | 8.96 | 33.16 | 26.33 | 28.99 |
| City Holding Co | 321.22m | 129.33m | 1.84bn | 934.00 | 14.30 | 2.27 | 18.03 | 5.86 | 8.93 | 8.93 | 21.69 | 56.19 | -- | -- | -- | -- | 1.98 | 1.80 | -- | -- | -- | -- | 41.53 | 40.15 | -- | -- | -- | 37.44 | 4.83 | 12.50 | 11.46 | 7.83 | -- | 7.71 |
| National Bank Holdings Corp | -100.00bn | -100.00bn | 1.89bn | 1.26k | -- | 1.14 | -- | -- | -- | -- | -- | 36.67 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Columbia Financial Inc | 470.95m | 51.77m | 1.91bn | 708.00 | 36.05 | 1.64 | 43.26 | 7.37 | 0.5085 | 0.5085 | 2.54 | 11.16 | -- | -- | -- | -- | 0.4817 | 0.5022 | -- | -- | -- | -- | 20.01 | 20.50 | -- | -- | -- | -- | 4.33 | 9.75 | 544.23 | -2.11 | -- | -- |
| First Commonwealth Financial Corp | 632.69m | 152.30m | 1.92bn | 1.55k | 12.68 | 1.23 | 17.08 | 3.67 | 1.47 | 1.47 | 5.05 | 15.11 | -- | -- | -- | -- | 1.27 | 1.35 | -- | -- | -- | -- | 29.13 | 31.51 | -- | -- | -- | 36.05 | 5.37 | 16.00 | 6.82 | 15.70 | -- | 4.18 |
| Northwest Bancshares Inc | 717.57m | 112.94m | 1.94bn | 1.88k | 15.13 | 1.05 | 15.45 | 3.09 | 0.8796 | 0.8796 | 4.79 | 12.70 | -- | -- | -- | -- | 0.7356 | 0.8631 | -- | -- | -- | -- | 17.97 | 22.47 | -- | -- | -- | 83.48 | 13.82 | 9.90 | -25.60 | -1.94 | -26.69 | 2.13 |
Data as of Feb 10 2026. Currency figures normalised to Lakeland Financial Corp's reporting currency: US Dollar USD
49.92%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 3.29m | 12.89% |
| Neuberger Berman Investment Advisers LLCas of 30 Sep 2025 | 1.89m | 7.40% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 1.68m | 6.60% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 1.33m | 5.20% |
| Charles Schwab Investment Management, Inc.as of 30 Sep 2025 | 1.03m | 4.05% |
| Silvercrest Asset Management Group LLCas of 30 Sep 2025 | 860.26k | 3.37% |
| Victory Capital Management, Inc. (Investment Management)as of 30 Sep 2025 | 755.79k | 2.96% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 669.02k | 2.62% |
| Geode Capital Management LLCas of 30 Sep 2025 | 619.43k | 2.43% |
| Copeland Capital Management LLCas of 31 Dec 2025 | 615.68k | 2.41% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
