---
schema_version: "secwatch.filing_event.v1"
accession: "0000721994-24-000008"
form_type: "8-K"
ticker: "LKFN"
cik: "0000721994"
company_name: "LAKELAND FINANCIAL CORP"
filed_at: "2024-01-25T23:59:59+00:00"
generated_at: "2026-06-06T18:46:10.388072+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Lakeland Financial reports Q4 record EPS of $1.16; annual net income down 10% to $93.8M

## Summary
- Annual net income $93.8M (down 10% YoY); diluted EPS $3.65 vs $4.04.
- Q4 diluted EPS $1.16 (record), up 15% QoQ; net income $29.6M, up 14% YoY.
- Core operational Q4 EPS $0.98 (flat linked quarter); excludes $6.3M wire fraud recovery.
- Average loan growth 9% annualized; net interest margin 3.23%, up 2 bps linked quarter.
- Dividend raised to $0.48 per share (4% increase); payable Feb 5, 2024.

## SEC filing metadata
- accession: 0000721994-24-000008
- form_type: 8-K
- ticker: LKFN
- cik: 0000721994
- company_name: LAKELAND FINANCIAL CORP
- filed_at: 2024-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/721994/000072199424000008/0000721994-24-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/721994/000072199424000008/lkfn-20240125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000721994-24-000008
- JSON: https://secwatch.observer/filing/0000721994-24-000008.json
- Plain text: https://secwatch.observer/filing/0000721994-24-000008.txt

## Key facts
- Earnings Releases
  LAKELAND FINANCIAL CORP reported the three and twelve months ended December 31, 2023 results: net income $93.8 million, EPS $3.65.
  - Period: the three and twelve months ended December 31, 2023
  - Net income: $93.8 million
  - EPS: $3.65
  - Result: reported results
  source text: Lakeland Financial Reports Annual Net Income of $93.8 Million
  evidence_url: https://www.sec.gov/Archives/edgar/data/721994/000072199424000008/0000721994-24-000008-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.