CATALYSTSeekingAlpha • 1d ago
Dividend Champion, Contender, And Challenger Highlights: Week November 1Get a weekly dividend summary for Champions, Contenders, and Challengers.
Why LKFN Stock advanced +1.03% Today — RQD Quant Desk Flash
$61.02 +1.03% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $61.02
Lakeland Financial Corporation (LKFN) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
ROARABLE C • HOLD / WATCH
Cap $1.51B
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $61.02 (+0.00%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 2.6% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERHOLD / WATCH • C
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw C · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LKFN)Realized 20D OHLCV Swing Band: ±4.6%
Deterministic 5-Pillar Attribution (64/100 Composite)
🔍 WHY LKFN SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (22% of score)
SEC XBRL FY 2025 (10-K): 2.6% FCF Margin ($103.8M FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C$56.84+2% Next Q
56
Q2 (-2Q)Grade C$58.00+0.7% Next Q
59
Q3 (-1Q)Grade C$58.39+4.5% Next Q
61
CurrentGrade C$61.02+1.1% Hist 90D α
64
Trajectory: C (56) → C (64)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the LKFN Bull Thesis Could Fail
Even with a 64/100 (C) score, LKFN faces multiple-compression risk if 14.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($59.13) or 200D SMA ($59.92) invalidates the momentum regime and cuts Target Base ($62.67) toward Bear Floor ($48.88).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $LKFN• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “LKFN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why LKFN Stock advanced +1.03% Today — RQD Quant Desk Flash
Lakeland Financial Corporation (LKFN) advanced +1.03% to $61.02, trading at 65% of its 52-week range ($54.36 – $64.55). Solid steady margins (14% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 65% of its 52-week range ($54.36 – $64.55) with RSI-14 at 55.2 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.6% around $61.02 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $103.8M annual free cash flow.
Live LKFN Headlines & Catalysts
CATALYSTBenzinga • 4d ago
Stephens & Co. Maintains Equal-Weight on Lakeland Financial, Raises Price Target to $67Stephens & Co. analyst Brandon Rud maintains Lakeland Financial (NASDAQ:LKFN) with a Equal-Weight and raises the price target from $66 to $67.
CATALYSTBenzinga • 5d ago
Keefe, Bruyette & Woods Maintains Market Perform on Lakeland Financial, Raises Price Target to $64Keefe, Bruyette & Woods analyst Damon Delmonte maintains Lakeland Financial (NASDAQ:LKFN) with a Market Perform and raises the price target from $63 to $64.
MARKET WIREYahoo • 5d ago
Company News for Oct 27, 2026Companies In The News Are: LKFN, HBT, CHCO, JBLU.
MARKET WIREYahoo • 6d ago
Lakeland Financial (LKFN) Reports Q3 Earnings: What Key Metrics Have to SayWhile the top- and bottom-line numbers for Lakeland Financial (LKFN) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wal
MARKET WIREYahoo • 6d ago
Lakeland Financial (LKFN) Q3 Earnings and Revenues Surpass EstimatesLakeland Financial (LKFN) delivered earnings and revenue surprises of +5.56% and +0.63%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
CATALYSTYahoo • 6d ago
Lakeland Financial: Q3 Earnings Snapshot(AP) — Lakeland Financial Corp. (LKFN) on Monday reported third-quarter profit of $28.
RISK WATCHYahoo • 6d ago
Lake City Bank (NASDAQ:LKFN) misses Q3 2026 sales expectationsRegional banking company Lakeland Financial (NASDAQGS:LKFN) missed Wall Street’s revenue expectations in Q3 2026 as revenue rose 4.1% year on year to $73 million. Its GAAP profit of $1.14 per share was 4.8% above analyst
CATALYSTYahoo • 6d ago
Lakeland Financial Reports Record Third Quarter Performance with Loan Growth of 8%; Diluted Earnings per Share Increases by 11%WARSAW, Ind., Oct. 26, 2026 (GLOBE NEWSWIRE) -- Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today reported record third quarter net income of $28.9 million for the three
CATALYSTBenzinga • 6d ago
Lakeland Financial Q3 EPS $1.14 Beats $1.08 Estimate, Sales $72.995M Miss $73.851M EstimateLakeland Financial (NASDAQ:LKFN) reported quarterly earnings of $1.14 per share which beat the analyst consensus estimate of $1.08 by 4.59 percent. This is a 10.68 percent increase over earnings of $1.03 per share from
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (LKFN Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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LKFN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.83%▼ DESCENDING CHANNEL
2026-10-30O $61.39H $61.94L $59.90C $61.02VOL 167.3K
RES: $62.59SUP: $54.61SMA50: $59.13SMA200: $59.92
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
LKFN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
6.6%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on LKFN today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for LKFN. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for LKFN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LKFN)
Financials Rank #352 of 1096
⚔️ TFIN vs LKFN Full Matrix →
1. Head-to-Head Financials Peer Comparison (LKFN vs. TFIN, AMAL, TMP, BHRB)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Lakeland Financial Corporation (LKFN) ranks #352 by composite RQD confidence (64/100, grade C) and #487 by equity capitalization ($1.51B). Within this direct 5-issuer industry benchmark cohort, TMP leads on earnings valuation at 9.1x trailing P/E, while TMP leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. AMAL currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with LKFN at 64/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| LKFN
ACTIVE
Lakeland Financial Corporation | C | 64/100 | 14.6x | — | 13.6% | +1.03% | $1.51B | Benchmark Subject |
| TFIN Triumph Financial Inc. | D | 48/100 | 59.9x | — | 2.7% | +0.84% | $1.52B | /tfin-vs-lkfn → |
| AMAL Amalgamated Financial Corp. | B- | 71/100 | 14.7x | — | 13.1% | +0.37% | $1.53B | /amal-vs-lkfn → |
| TMP Tompkins Financial Corporation | C- | 61/100 | 9.1x | — | 17.2% | +0.53% | $1.46B | /tmp-vs-lkfn → |
| BHRB Burke & Herbert Financial Services Corp. | C- | 61/100 | 12.2x | — | 13.7% | +0.88% | $1.43B | /bhrb-vs-lkfn → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000721994In its most recent audited fiscal period (FY2025, filed 2025-12-31), Lakeland Financial Corporation (LKFN) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $103.4M, operating cash flow of $114.9M, and free cash flow of $103.8M (+10.6% YoY). On the balance sheet, LKFN closed FY2025 with $6.99B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $103.4M | $114.9M | $103.8M | $6.99B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $93.5M | $102.5M | $93.9M | $6.68B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $93.8M | $114.0M | $114.0M | — | — |
3. LKFN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs LKFN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Lakeland Financial Corporation (NASDAQ: LKFN) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $61.02 (+1.03% 1D, market cap $1.51B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, LKFN ranks #352 in composite RQD confidence.
How does LKFN compare to TFIN and AMAL in the Financials sector?
Within the Financials sector (Major Banks), LKFN carries a Roarable C (64/100 RQD), trailing P/E of 14.6x, gross margin of —, and ROIC of 13.6%. By comparison, TFIN (Triumph Financial Inc.) holds a D grade (48/100 RQD, P/E 59.9x, ROIC 2.7%, cap $1.52B) and AMAL (Amalgamated Financial Corp.) posts a B- grade (71/100 RQD, P/E 14.7x, ROIC 13.1%, cap $1.53B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).
What are the biggest fundamental strengths and SEC risk factors for LKFN?
Per LKFN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000721994), Lakeland Financial Corporation generated $0 in revenue, $103.4M in net income, and $103.8M in free cash flow against $6.99B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is LKFN trading relative to its 50-day, 200-day, and 52-week technical levels?
LKFN last traded at $61.02 (+1.03% on volume of 231,787 shares), positioning the stock +3.20% above its 50-day simple moving average ($59.13) and +1.84% above its 200-day simple moving average ($59.92). Across its 52-week range of $54.36 to $64.55, LKFN sits at the 65.4% percentile with a 14-day RSI of 55.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($58.21 to $63.83).
LKFN Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is LKFN stock moving today?
Why LKFN Stock advanced +1.03% Today — RQD Quant Desk Flash. Solid steady margins (14% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.