Lakeland Financial Corporation (LKFN)

Lakeland Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	111.23	103.36	93.48	93.77	103.82	95.73
Depreciation & Amortization	6.01	5.98	5.95	6.17	6.78	8.39
Gain (Loss) on Sale of Assets	-0.26	-0.28	0.1	0	0.1	0.11
Gain (Loss) on Sale of Investments	3.77	4.01	-4.15	4.94	6.32	4.16
Provision for Credit Losses	5.71	11.8	16.75	5.85	9.38	1.08
Net Decrease (Increase) in Loans Originated / Sold - Operating	-1.54	-0.63	-0.13	-0.58	7.79	6.95
Accrued Interest Receivable	0.16	-0.16	1.28	-6.17	-10.71	-1.85
Other Operating Activities	-5.43	-4.03	-3.96	-2.72	-1.15	-2.88
Operating Cash Flow	128.83	114.89	102.49	113.98	169.34	113.77
Operating Cash Flow Growth	26.57%	12.10%	-10.09%	-32.69%	48.85%	30.43%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-17.18	-11.12	-8.63	-5.99	-4.82	-6.17
Sale of Property, Plant and Equipment	0.01	0.01	0.01	0.01	0.01	0.01
Investment in Securities	2.74	-16.51	48.28	169.84	-181.78	-683.23
Net Decrease (Increase) in Loans Originated / Sold - Investing	-354.46	-286.17	-204.18	-212.91	-427.1	356.66
Other Investing Activities	1.47	-11.63	0.28	-5.88	-12.83	0.23
Investing Cash Flow	-367.42	-325.42	-164.24	-54.93	-626.52	-331.55

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	170	-	-	297	-
Long-Term Debt Issued	-	14.2	-	-	-	-
Total Debt Issued	178	184.2	-	-	297	-
Short-Term Debt Repaid	-	-	-50	-225	-	-10.5
Long-Term Debt Repaid	-	-	-	-22	-75	-
Total Debt Repaid	-113	-	-50	-247	-75	-10.5
Net Debt Issued (Repaid)	65	184.2	-50	-247	222	-10.5
Issuance of Common Stock	0.36	0.38	0.39	0.41	0.22	0.12
Repurchase of Common Stock	-42.25	-20.39	-0.59	-0.58	-0.58	-0.56
Common Dividends Paid	-51.95	-51.42	-49.28	-47.09	-40.84	-34.64
Preferred Dividends Paid	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Total Dividends Paid	-51.97	-51.43	-49.29	-47.11	-40.85	-34.65
Net Increase (Decrease) in Deposit Accounts	152.74	72.38	180.44	259.91	-274.79	698.6
Other Financing Activities	-1.34	-1.49	-2.82	-3.14	-1.78	-1.91
Financing Cash Flow	122.54	183.65	78.13	-37.51	-95.78	651.09

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-116.05	-26.89	16.38	21.54	-552.96	433.31

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	111.66	103.77	93.85	107.99	164.52	107.6
Free Cash Flow Growth	19.79%	10.56%	-13.09%	-34.36%	52.90%	32.01%
Free Cash Flow Margin	40.80%	40.35%	39.81%	44.80%	69.90%	48.53%
Free Cash Flow Per Share	4.36	4.02	3.64	4.20	6.40	4.20

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	148.73	158.97	185.26	128.53	36.11	18.47
Cash Income Tax Paid	18.92	16.74	23.75	14.08	20.58	25.95

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jul 27, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 2, 2026

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