Lakeland Financial Q4 net income $29.9M (+24% YoY); full-year EPS $4.01, record

LAKELAND FINANCIAL CORP

2025-FY EPS reported $4.01

Q4 net income $29.9M vs $24.2M YoY; diluted EPS $1.16 vs $0.94 (+23%).
Full-year net income $103.4M (+11%); diluted EPS $4.01 vs $3.63.
Net interest margin improved 23bps to 3.48%; net interest income +11% YoY.
No provision expense in Q4; nonaccrual loans down 63% to $20.9M.
Dividend raised 4% to $0.52/share; repurchased 307,590 shares for $17.9M in Q4.

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