Lakeland Financial (LKFN) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

By Zacks Equity Research | October 27, 2025, 9:30 AM

For the quarter ended September 2025, Lakeland Financial (LKFN) reported revenue of $69.03 million, up 12.8% over the same period last year. EPS came in at $1.03, compared to $0.91 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $68.3 million, representing a surprise of +1.06%. The company delivered an EPS surprise of +0.98%, with the consensus EPS estimate being $1.02.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Lakeland Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net Interest Margin: 3.5% compared to the 3.4% average estimate based on two analysts.
  • Efficiency ratio: 50.7% versus 47.8% estimated by two analysts on average.
  • Net Interest Income (FTE): $57.18 million versus $57.85 million estimated by two analysts on average.
  • Total Noninterest Income: $12.95 million compared to the $11.65 million average estimate based on two analysts.

View all Key Company Metrics for Lakeland Financial here>>>

Shares of Lakeland Financial have returned -6% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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