---
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"
generated_at: "2026-05-16T08:12:38.453797+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000721994-26-000012
- JSON: https://secwatch.observer/filing/0000721994-26-000012.json
- Plain text: https://secwatch.observer/filing/0000721994-26-000012.txt

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