Stock Ratings / Financials / LKFN / options

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Lakeland Financial Corporation (LKFN) Options Positioning, Max Pain & Unusual Sweeps

$60.09 -1.52% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $59.81

Lakeland Financial Corporation (LKFN) carries a Roarable Rating of C+ (Hold) with 68/100 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.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.51B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LKFN Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LKFN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Lakeland Financial Corporation (NASDAQ: LKFN) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $60.09 (-1.52% 1D, market cap $1.51B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 12/20, 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 #186 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LKFN compare to TFIN and AMAL in the Financials sector?

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Within the Financials sector (Major Banks), LKFN carries a Roarable C+ (68/100 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 (43/100 RQD, P/E 59.9x, ROIC 2.7%, cap $1.52B) and AMAL (Amalgamated Financial Corp.) posts a B grade (74/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LKFN?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $59.81 (-0.46%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 2.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

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 B · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LKFN)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY LKFN SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% 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 (21% of score)

SEC XBRL FY 2025 (10-K): 2.6% FCF Margin ($103.8M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (59.2) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$57.24+0.6% Next Q

Q2 (-2Q)

Grade C+$57.56+6.3% Next Q

Q3 (-1Q)

Grade C+$61.17-1.8% Next Q

Current

Grade C+$60.09+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)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

Gideon Ashmere Forensic Desk →

Even with a 68/100 (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 ($59.14) or 200D SMA ($59.93) invalidates the momentum regime and cuts Target Base ($62.79) toward Bear Floor ($48.98).

🎲 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”

YES 68%NO 32%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.6%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (LKFN)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for LKFN.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating LKFN & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on LKFN
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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LKFN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -1.02%▼ DESCENDING CHANNEL

2026-11-02O $60.40H $61.02L $60.09C $60.09VOL 231.8K

RES: $62.56SUP: $54.52SMA50: $59.14SMA200: $59.93

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LKFN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LKFN Butterfly Map → + Track LKFN →

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 #186 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 #186 by composite RQD confidence (68/100, 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 74/100 (B) compared with LKFN at 68/100 (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+	68/100	14.6x	—	13.6%	-1.52%	$1.51B	Benchmark Subject
TFIN Triumph Financial Inc.	D-	43/100	59.9x	—	2.7%	-2.16%	$1.52B	/tfin-vs-lkfn →
AMAL Amalgamated Financial Corp.	B	74/100	14.7x	—	13.1%	-2.44%	$1.53B	/amal-vs-lkfn →
TMP Tompkins Financial Corporation	C	63/100	9.1x	—	17.2%	-2.09%	$1.46B	/tmp-vs-lkfn →
BHRB Burke & Herbert Financial Services Corp.	C+	66/100	12.2x	—	13.7%	-0.84%	$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 0000721994

In 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 ENABLED

Is LKFN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does LKFN compare to TFIN and AMAL in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for LKFN?

Where is LKFN trading relative to its 50-day, 200-day, and 52-week technical levels?

LKFN last traded at $60.09 (-1.52% on volume of 167,343 shares), positioning the stock +1.61% above its 50-day simple moving average ($59.14) and +0.27% above its 200-day simple moving average ($59.93). Across its 52-week range of $54.36 to $64.55, LKFN sits at the 56.2% percentile with a 14-day RSI of 59.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($57.33 to $62.85).

LKFN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is LKFN's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for LKFN.

Direct Sub-Reports: LKFN RQD Cockpit LKFN 12M Forecast LKFN Earnings & Move LKFN Dividends & DRIP LKFN Insiders & 13F LKFN Whale Options LKFN Profit Sankey LKFN News & Why