Lakeland Financial Q3 net income up 13% to $26.4M; EPS $1.03 vs $0.91

LAKELAND FINANCIAL CORP

2025-Q3 EPS reported $2.85

Net income $26.4M (+13% YoY); diluted EPS $1.03 (+13%); nine-month net income $73.5M (+6%).
Net interest margin expanded 34 bps to 3.50%; net interest income rose 14% to $56.1M.
Nonaccrual loans fell 68% to $18.7M; watch list loans improved to 3.00% from 5.27%.
Dividend increased 4% to $0.50 per share, payable Nov 5, 2025.
Tangible book value per share grew 7% to $28.93; CET1 ratio improved to 15.06%.

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