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

Core Viewpoint - Lakeland Financial reported strong financial results for the quarter ended December 2025, with significant year-over-year growth in revenue and earnings per share, exceeding market expectations [1]. Financial Performance - Revenue for the quarter was $69.8 million, reflecting a year-over-year increase of 9.8% [1]. - Earnings per share (EPS) for the quarter was $1.16, compared to $0.94 a year ago, indicating a solid growth in profitability [1]. - The reported revenue surpassed the Zacks Consensus Estimate of $68.4 million, resulting in a positive surprise of +2.04% [1]. - The EPS also exceeded expectations, with a surprise of +11.01% against the consensus estimate of $1.05 [1]. Key Metrics - Net Interest Margin stood at 3.5%, matching the average estimate from two analysts [4]. - The efficiency ratio was reported at 47.9%, slightly higher than the estimated 47.3% [4]. - Net Interest Income (FTE) was $58.31 million, surpassing the average estimate of $57.25 million [4]. - Total Noninterest Income reached $12.6 million, exceeding the average estimate of $12.1 million [4]. Stock Performance - Over the past month, shares of Lakeland Financial returned +0.1%, compared to a +0.2% change in the Zacks S&P 500 composite [3]. - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3].