{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-26-000012","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2026-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.555870+00:00","generated_at":"2026-05-16T08:12:38.453797+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lakeland Financial Q4 net income $29.9M (+24% YoY); full-year EPS $4.01, record","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-26-000012","json":"https://secwatch.observer/filing/0000721994-26-000012.json","markdown":"https://secwatch.observer/filing/0000721994-26-000012.md","text":"https://secwatch.observer/filing/0000721994-26-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199426000012/0000721994-26-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199426000012/lkfn-20260126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:12:38.453797+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}