Filing Flows › Lakeland Financial (LKFN) › Q3 2026 › vs Q3 2025
Lakeland Financial (LKFN) Q3 2026 vs Q3 2025 (year over year)
Lakeland Financial's revenue rose $4.0M (+6%) from $69.0M in Q3 2025 to $73.0M in Q3 2026. The biggest changes: Net interest income +$4.6M (+8%); Noninterest income −$680K (-5%). Operating margin 48.9% against 46.4% (+2.4 pts).
Lakeland Financial, Q3 2026: revenue $73.0M (+6% year over year), operating margin 48.9%, net earnings $28.9M, operating cash flow $41.7M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 48.9% | 46.4% | +2.4 pts |
| Net margin | 39.5% | 38.3% | +1.3 pts |
| Free cash flow margin | 55.0% | 45.0% | +10.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $60.7M | $56.1M | $4.6M | +8% |
| Noninterest income | $12.3M | $13.0M | −$680K | -5% |
| Revenue | $73.0M | $69.0M | $4.0M | +6% |
| Operating profit | $35.7M | $32.1M | $3.6M | +11% |
| Costs & expenses | $37.3M | $37.0M | $356K | +1% |
| Pre-tax earnings | $35.7M | $32.1M | $3.6M | +11% |
| Credit loss provision | $1.2M | $2.0M | −$800K | -40% |
| Noninterest expense | $36.1M | $35.0M | $1.2M | +3% |
| Net earnings | $28.9M | $26.4M | $2.5M | +9% |
| Income tax | $6.8M | $5.7M | $1.2M | +20% |
| Depreciation | $1.7M | $1.5M | $158K | +11% |
| Share-based compensation | $2.6M | $3.5M | −$907K | -26% |
| Working capital & other | $8.5M | $4.6M | $3.9M | +85% |
| Operating cash flow | $41.7M | $36.1M | $5.6M | +16% |
| Free cash flow (OCF − capex) | $40.1M | $31.1M | $9.1M | +29% |
| Capital expenditures | $1.6M | $5.0M | −$3.5M | -69% |
Questions
How much did Lakeland Financial's revenue grow year over year in Q3 2026?
Lakeland Financial's revenue rose $4.0M (+6%) from $69.0M in Q3 2025 to $73.0M in Q3 2026.
What drove Lakeland Financial's revenue change in Q3 2026?
Net interest income +$4.6M (+8%); Noninterest income −$680K (-5%).