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Lakeland Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$40.1M in Q3 2026 · $121M over twelve months

Operating cash flow$41.7M
Capital spending−$1.6M
Free cash flow+$40.1M
Cash / net income1.4×

Analysis

In Q3 2026, Lakeland Financial generated $41.7M of operating cash flow and spent $1.6M on capital projects, leaving free cash flow of $40.1M. That is $9.1M more than in Q3 2025 ($31.1M).

Over the twelve months to Sep 30, 2026, operating cash flow was $134M; the largest uses were other investing ($416M), dividends ($52.1M), buybacks ($44.8M); besides operations, cash came from other financing ($314M), shares issued ($358K); the cash balance fell by $77.1M.

Operating cash flow was $41.7M against net income of $28.9M — 1.4× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$7.1M, stock-based pay +$2.6M, depreciation & amortization +$1.7M.

Free cash flow

Lakeland Financial: free cash flow by quarterLakeland Financial: free cash flow by quarter$36.7MQ4 2024$27.1MQ1 2025$14.1MQ2 2025$31.1MQ3 2025$31.5MQ4 2025$30.0MQ1 2026$19.1MQ2 2026$40.1MQ3 2026
Operating cash flow less capital spending.
Lakeland Financial: operating cash flow against capital spendingLakeland Financial: operating cash flow against capital spendingOperating cash flowCapital spending$38.7M$2.0MQ4 2024$28.9M$1.8MQ1 2025$16.2M$2.1MQ2 2025$36.1M$5.0MQ3 2025$33.7M$2.2MQ4 2025$34.7M$4.7MQ1 2026$24.4M$5.2MQ2 2026$41.7M$1.6MQ3 2026
Latest (Q3 2026): Operating cash flow $41.7M, Capital spending $1.6M.

Capital allocation, year by year

Lakeland Financial: where the cash came from (up) and went (down), by fiscal yearLakeland Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $114MFY2021: Net borrowing −$10.5MFY2021: Shares issued $115KFY2021: Asset sales $8KFY2021: Capital spending −$6.2MFY2021: Buybacks −$559KFY2021: Dividends −$34.6M$114MFY2021FY2022: Operating cash flow $169MFY2022: Net borrowing $44.0MFY2022: Shares issued $221KFY2022: Asset sales $6KFY2022: Capital spending −$4.8MFY2022: Buybacks −$579KFY2022: Dividends −$40.8M$214MFY2022FY2023: Operating cash flow $114MFY2023: Net borrowing −$22.0MFY2023: Shares issued $405KFY2023: Asset sales $13KFY2023: Capital spending −$6.0MFY2023: Buybacks −$575KFY2023: Dividends −$47.1M$114MFY2023FY2024: Operating cash flow $102MFY2024: Shares issued $391KFY2024: Asset sales $10KFY2024: Capital spending −$8.6MFY2024: Buybacks −$592KFY2024: Dividends −$49.3M$103MFY2024FY2025: Operating cash flow $115MFY2025: Net borrowing $13.0MFY2025: Shares issued $375KFY2025: Asset sales $6KFY2025: Capital spending −$11.1MFY2025: Buybacks −$20.4MFY2025: Dividends −$51.4M$128MFY2025
Over these 5 years operating cash flow totalled $614M; the largest uses were dividends ($223M) and capital spending ($36.7M). Cash-flow statements as filed.

Where the cash came from and went

Lakeland Financial: sources (+) and uses (−) of cash, Q3 2026Lakeland Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$98.1MCash drawn (+) / kept (−)$78.4MOperating cash flow$41.7MDividends−$13.0MOther financing−$4.7MBuybacks−$2.7MCapital spending−$1.6M
Lakeland Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Lakeland Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$416MOther financing$314MOperating cash flow$134MCash drawn (+) / kept (−)$77.1MDividends−$52.1MBuybacks−$44.8MCapital spending−$13.7MShares issued$358KAsset & business sales$7K

From profit to cash

Lakeland Financial: net income to operating cash flow, Q3 2026Lakeland Financial: net income to operating cash flow, Q3 2026Net income$28.9MDepreciation & amortization$1.7MStock-based pay$2.6MGains on disposals$10KPrepaid and other assets−$881KOther liabilities$7.1MOperating cash flow$41.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$41.7M−$1.6M−$2.7M−$13.0M——$78.4M$40.1M
Q2 2026$24.4M−$5.2M−$4.3M−$13.0M−$17.0M—−$42.8M$19.1M
Q1 2026$34.7M−$4.7M−$19.6M−$13.2M$4.0M$358K−$10.0M$30.0M
Q4 2025$33.7M−$2.2M−$18.2M−$12.9M$13.0M—$51.5M$31.5M
Q3 2025$36.1M−$5.0M−$224K−$12.9M−$10.0M—$117M$31.1M
Q2 2025$16.2M−$2.1M−$1.8M−$12.9M$5.0M—−$75.0M$14.1M
Q1 2025$28.9M−$1.8M−$215K−$12.8M—$375K−$67.0M$27.1M
Q4 2024$38.7M−$2.0M−$86K−$12.3M−$30.0M—−$8.0M$36.7M

Lakeland Financial: income statement and cash flow

Lakeland Financial, Q3 2026: revenue $73.0M (+6% year over year), operating margin 48.9%. The chart follows the revenue to costs, profit and cash.

Lakeland Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.