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Lakeland Financial (LKFN) Reports Q4 Earnings: What Key Metrics Have to Say

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Lakeland Financial (LKFN - Free Report) reported $69.8 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 9.8%. EPS of $1.16 for the same period compares to $0.94 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $68.4 million, representing a surprise of +2.04%. The company delivered an EPS surprise of +11.01%, with the consensus EPS estimate being $1.05.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Lakeland Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net Interest Margin: 3.5% versus the two-analyst average estimate of 3.5%.
  • Efficiency ratio: 47.9% versus 47.3% estimated by two analysts on average.
  • Net Interest Income (FTE): $58.31 million compared to the $57.25 million average estimate based on two analysts.
  • Total Noninterest Income: $12.6 million compared to the $12.1 million average estimate based on two analysts.

View all Key Company Metrics for Lakeland Financial here>>>

Shares of Lakeland Financial have returned +0.1% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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