What is the 13F Pro Quality Score for LKFN?

13F Pro ranks LAKELAND FINANCIAL CORP (LKFN) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View LKFN's current score at https://13fpro.ai/company/LKFN (free sign-up required for the full ranking).

Which hedge funds own the most LKFN stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of LKFN include BlackRock,, Neuberger Berman Group, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/LKFN as soon as new 13F filings post.

Where does 13F Pro source LKFN data?

All LAKELAND FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. LAKELAND FINANCIAL CORP files with the SEC under CIK 721994. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is LKFN in?

LAKELAND FINANCIAL CORP (LKFN) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is LKFN research updated on 13F Pro?

LKFN's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

LAKELAND FINANCIAL CORP(LKFN)Stock Analysis

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13F Pro Quality Score

51.9/100

Rank #1,500 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

47.2/100

Profitability

96.3/100

Balance Sheet

49.9/100

Earnings Quality

46.0/100

Free Cash Flow

90.7/100

Institutional Flow

34.1/100

Revenue Scale

28.3/100

Dilution Risk

31.2/100

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Why LKFN Scores 52/100

exact factor attribution · 2026-09-11

LKFN's composite is driven by profitability and free cash flow, held back by scale and shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.3 pts

96th pct

Free cash flow

+6.1 pts

91th pct

Earnings growth

+0.1 pts

51th pct

Capital efficiency

-0.0 pts

50th pct

Earnings quality

-0.4 pts

46th pct

Revenue growth

-0.8 pts

47th pct

Institutional flow

-1.1 pts

34th pct

Shareholder dilution

-1.3 pts

31th pct

Scale

-4.3 pts

28th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

LKFN Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for LAKELAND FINANCIAL CORP (LKFN), a Financials sector company. 13F Pro's AI-powered ranking engine scores LKFN at 51.9/100 on a 32-signal composite quality model, placing it at rank #1,500 of 2,962 stocks — the bottom half of the AI-ranked universe. LKFN scores in the top quartile across profitability (96.3), free cash flow (90.7). Areas of concern include revenue scale (28.3) and institutional flow (34.1), which score below median versus the broader universe. Shareholder dilution risk is elevated at 31.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), LAKELAND FINANCIAL CORP reports quarterly revenue of $70.9M, net income of $28.4M, an operating margin of 49.0%. Top institutional holders of LKFN by reported 13-F value include BlackRock, Neuberger Berman Group, STATE STREET, based on the most recent SEC filings. LKFN trades on the Nasdaq exchange and files with the SEC under CIK 721994. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate LKFN daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for LAKELAND FINANCIAL CORP directly from SEC EDGAR. LAKELAND FINANCIAL CORP's 13F Pro composite quality score has ranged between 34 and 52 since 2026, currently 51.9 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about LAKELAND FINANCIAL CORP

Quirks, history, and lore behind LKFN — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in northern Indiana.
2
The Numbers
Total assets in the range of $6–7 billion, with a reputation for consistently high return on equity that would make most regional banks blush.
3
The History
Its banking roots trace back to the late 19th century, giving it well over a hundred years of operating through recessions, wars, and the occasional corn-price collapse.
4
The Secret
It has built a loyal following among dividend investors, having raised its dividend for many consecutive years — the kind of quiet consistency that gets you onto dividend achiever lists.
5
The Lore
Its home base of Warsaw, Indiana is also the self-proclaimed orthopedic capital of the world — so the bank literally finances the town that makes your new hip.
6
The Giveaway
The holding company for Lake City Bank, serving northern and central Indiana for generations — if you've banked in Kosciusko County, you know this one.

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Revenue

Q2 2026

$70.9M

Net Income

Q2 2026

$28.4M

Free Cash Flow

Q2 2026

$19.1M

Operating Margin

Q2 2026

49.0%

ROIC

Q2 2026

16.4%

D/E Ratio

Q2 2026

0.09

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+6.1% YoY

$269.0MFY 2025

FY22 $244.7MFY23 $246.9MFY24 $253.5MFY25 $269.0M

Net Income

+10.6% YoY

$103.4MFY 2025

FY22 $103.8MFY23 $93.8MFY24 $93.5MFY25 $103.4M

EPS (Diluted)

+10.5% YoY

$4.01FY 2025

FY22 $4.04FY23 $3.65FY24 $3.63FY25 $4.01

Total Assets

+4.7% YoY

$6.99BFY 2025

FY22 $6.43BFY23 $6.52BFY24 $6.68BFY25 $6.99B

Total Debt

$184.2MFY 2025

FY22 $297.0MFY23 $50.0MFY24 $0.00FY25 $184.2M

Op. Cash Flow

+12.1% YoY

$114.9MFY 2025

FY22 $169.3MFY23 $114.0MFY24 $102.5MFY25 $114.9M

Free Cash Flow

+10.6% YoY

$103.8MFY 2025

FY22 $164.5MFY23 $108.0MFY24 $93.9MFY25 $103.8M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$269.0M +6.1%	$253.5M +2.7%	$246.9M +0.9%	$244.7M +9.8%	$222.8M +6.2%	$209.9M
Net Income	$103.4M +10.6%	$93.5M -0.3%	$93.8M -9.7%	$103.8M +8.4%	$95.7M +13.5%	$84.3M
EPS (Diluted)	$4.01 +10.5%	$3.63 -0.5%	$3.65 -9.7%	$4.04 +8.0%	$3.74 +13.3%	$3.30
Total Assets	$6.99B +4.7%	$6.68B +2.4%	$6.52B +1.4%	$6.43B -1.9%	$6.56B +12.5%	$5.83B
Total Debt	$184.2M	$0.00 -100.0%	$50.0M -83.2%	$297.0M +296.0%	$75.0M -12.3%	$85.5M
Operating Cash Flow	$114.9M +12.1%	$102.5M -10.1%	$114.0M -32.7%	$169.3M +48.8%	$113.8M +30.4%	$87.2M
Free Cash Flow	$103.8M +10.6%	$93.9M -13.1%	$108.0M -34.4%	$164.5M +52.9%	$107.6M +32.0%	$81.5M

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Available Research

13F Pro tracks comprehensive data for LAKELAND FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of LKFN

BlackRock, Inc.
$224.6M3,639,015 sh
Neuberger Berman Group LLC
$134.3M2,175,765 sh
STATE STREET CORP
$88.1M1,428,098 sh
VANGUARD CAPITAL MANAGEMENT LLC
$65.8M1,065,329 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$58.1M940,862 sh
DIMENSIONAL FUND ADVISORS LP
$42.4M687,078 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$41.9M679,655 sh
GEODE CAPITAL MANAGEMENT, LLC
$40.8M661,616 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$37.0M598,952 sh
SILVERCREST ASSET MANAGEMENT GROUP LLC
$36.3M588,817 sh

Fund	Value	Shares
BlackRock, Inc.	$224.6M	3,639,015
Neuberger Berman Group LLC	$134.3M	2,175,765
STATE STREET CORP	$88.1M	1,428,098
VANGUARD CAPITAL MANAGEMENT LLC	$65.8M	1,065,329
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$58.1M	940,862
DIMENSIONAL FUND ADVISORS LP	$42.4M	687,078
FULLER & THALER ASSET MANAGEMENT, INC.	$41.9M	679,655
GEODE CAPITAL MANAGEMENT, LLC	$40.8M	661,616
VANGUARD PORTFOLIO MANAGEMENT LLC	$37.0M	598,952
SILVERCREST ASSET MANAGEMENT GROUP LLC	$36.3M	588,817

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Is LKFN a good stock to buy?

13F Pro's AI-powered analysis of LAKELAND FINANCIAL CORP (LKFN) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for LKFN are available on the LKFN stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. LKFN is classified as a small company.

Which hedge funds own LKFN?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling LKFN. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of LAKELAND FINANCIAL CORP's investment landscape.