secwatch.observer — SEC 8-K summary
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Issuer:     LAKELAND FINANCIAL CORP (LKFN)
CIK:        0000721994
Form:       8-K
Filed at:   2025-10-27T23:59:59+00:00
Accession:  0000721994-25-000224
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/721994/000072199425000224/0000721994-25-000224-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/721994/000072199425000224/lkfn-20251027.htm
  HTML page:      https://secwatch.observer/filing/0000721994-25-000224

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