LKFN – Dividend Returns, History & Calculator

Dividend Contender 12 Years

Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checkin

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Company Info

Symbol LKFN
Company Lakeland Financial Corporation
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $1,503.2M

Price Data

Price $58.88
Price Change +1.96
Price Change % +3.44%
Next Earnings Report Jan 23, 2026
Low (52W) $50.00
High (52W) $78.61

Dividend Data

Div Yield 3.40%
5Y Avg Yield 2.89%
Current Div $0.500
Payouts/Year 4
Annualized $2.000
Previous Div $0.500
Ex-date Oct 24, 2025
Dividend Pay Date Nov 5, 2025

Growth Rates

Chowder Number 14.2
DGR 1Y 4.2%
DGR 3Y 7.7%
DGR 5Y 10.8%
DGR 10Y 12.2%

Total Returns

TTR 1Y - With Specials -16.5%
TTR 3Y - With Specials -4.9%
TTR 1Y - No Specials -16.5%
TTR 3Y - No Specials -4.9%

Fair Value

Fair Value (P/E 10) $54.38
FV (P/E 10) % 8.0%
Fair Value (Peter Lynch) $94.75
FV (Peter Lynch) % -38.0%
Fair Value (Blended) $57.15
FV (Blended) % 3.0%

Financial Metrics

Revenue 1Y 2.4%
NPM 36.5%
CF/Share $4.69
ROE 13.5%
Debt/Capital 0.0%
ROTC 13.7%
P/E 15.5x
P/BV 2.0x
PEG 2.19
📊 Financial data last updated: November 24, 2025 1:25 pm

Calculate your LKFN Dividend Returns

Quickly and easily calculate LKFN dividend yield using our LKFN calculator. Adjust the fields below to see how your LKFN investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: November 26, 2025 8:24 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000169$59.25$0.503.38%3.38%$367$367195$11,567
2$12,301195$63.01$0.563.55%3.78%$469$837222$13,971
3$14,857222$67.01$0.633.73%4.22%$591$1,428248$16,648
4$17,704248$71.26$0.703.93%4.72%$735$2,163276$19,639
5$20,885276$75.78$0.784.13%5.28%$907$3,070303$22,992
6$24,451303$80.59$0.874.34%5.91%$1,112$4,182332$26,763
7$28,461332$85.70$0.984.57%6.61%$1,357$5,539362$31,018
8$32,986362$91.14$1.094.80%7.39%$1,649$7,188393$35,835
9$38,109393$96.92$1.225.05%8.26%$2,000$9,188426$41,309
10$43,930426$103.07$1.375.31%9.24%$2,421$11,608461$47,550

LKFN Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
10/24/202510/24/2025$0.5003.23%3.23%$61.85
07/25/202507/25/2025$0.5003.00%3.03%$66.02
04/25/202504/25/2025$0.5003.66%3.74%$53.50
01/24/202501/24/2025$0.5002.80%2.89%$69.22
10/25/202410/25/2024$0.4803.05%3.05%$62.87
07/25/202407/25/2024$0.4802.69%2.71%$70.75
04/24/202404/24/2024$0.4803.00%3.07%$62.64
01/24/202401/24/2024$0.4802.94%3.03%$63.32
10/24/202310/24/2023$0.4603.92%3.92%$46.89
07/24/202307/24/2023$0.4603.19%3.30%$55.76
04/24/202304/24/2023$0.4603.06%3.28%$56.14
01/24/202301/24/2023$0.4602.26%2.51%$73.35
10/24/202210/24/2022$0.4002.09%2.09%$76.61
07/22/202207/22/2022$0.4002.19%2.27%$70.39
04/22/202204/22/2022$0.4001.94%2.09%$76.40
01/24/202201/24/2022$0.4001.75%1.97%$81.23
10/22/202110/22/2021$0.3401.74%1.74%$78.14
07/22/202107/22/2021$0.3402.35%2.42%$56.22
04/22/202104/22/2021$0.3401.91%2.03%$67.13
01/22/202101/22/2021$0.3402.07%2.27%$59.96
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Invest in LKFN with Interactive Brokers

LKFN 10-yr Total Return ($10,000 invested)

This analysis of LKFN demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 11.8% CAGR, representing strong long-term performance. While recent 5-year returns averaged 3.6% annually, the exceptional 10-year performance of 11.8% demonstrates sustained long-term growth. The DRIP strategy provided 20% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (LKFN)

Over the selected period, investing $10,000 in LKFN would grow to $39,292 with DRIP (292.9%), and $36,038 without DRIP (260.4%).

LKFN Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in LKFN with historic price growth (6.25%) and dividend growth (11.84%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $206,462

Annual Dividend: $19,595

Yield on Cost: 57.63%

Total Dividends: $91,330

No DRIP

Portfolio: $130,248

Total Dividends: $49,749

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $1,233,194

Annual Dividend: $195,391

Yield on Cost: 424.76%

Total Dividends: $773,604

No DRIP

Portfolio: $356,633

Total Dividends: $192,480

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $22,199 against a total investment of $25,600. At this point, your portfolio is throwing off $4,945 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $10,707, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $91,330 versus $34,000 invested, nearly a 269% recovery of capital purely from income. Yield on cost reaches 57.63%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $57,897 is greater than total contributions to date ($40,000), and cumulative dividends exceed $254,822.

By year 30, the DRIP snowball is in full force. Yearly income reaches $195,391, cumulative dividends total $773,604, and the DRIP portfolio value stands at $1,233,194, compared with $356,633 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for LKFN, price $58.73, dividend per period $0.50 (4x/year), along with historic growth assumptions: price growth 6.25% and dividend growth 11.84% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for LKFN

Based on past 10-year performance, here are LKFN growth metrics:

Share price CAGR of +12.81%
Dividend CAGR of +12.25%

Using LKFN CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

LKFN (DRIP)LKFN (No DRIP)
Current Price$56.30$56.30
Start Shares177.62177.62
Start Value$10,000$10,000
After 10 years:
Final Share Count249.48177.62
Dividends Payment$6.35$6.35
Annual Dividends$1,532$1,128
Yield on cost15.32%11.28%
Share Price$187.96$187.96
Total Dividends$8,566$7,081
Final Value$46,893$40,467

Estimated Future Value + Dividends – LKFN

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

LKFN Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
10/24/202510/24/2025$0.5003.23%3.23%$61.85
07/25/202507/25/2025$0.5003.00%3.03%$66.02
04/25/202504/25/2025$0.5003.66%3.74%$53.50
01/24/202501/24/2025$0.5002.80%2.89%$69.22
10/25/202410/25/2024$0.4803.05%3.05%$62.87
07/25/202407/25/2024$0.4802.69%2.71%$70.75
04/24/202404/24/2024$0.4803.00%3.07%$62.64
01/24/202401/24/2024$0.4802.94%3.03%$63.32
10/24/202310/24/2023$0.4603.92%3.92%$46.89
07/24/202307/24/2023$0.4603.19%3.30%$55.76
04/24/202304/24/2023$0.4603.06%3.28%$56.14
01/24/202301/24/2023$0.4602.26%2.51%$73.35
10/24/202210/24/2022$0.4002.09%2.09%$76.61
07/22/202207/22/2022$0.4002.19%2.27%$70.39
04/22/202204/22/2022$0.4001.94%2.09%$76.40
01/24/202201/24/2022$0.4001.75%1.97%$81.23
10/22/202110/22/2021$0.3401.74%1.74%$78.14
07/22/202107/22/2021$0.3402.35%2.42%$56.22
04/22/202104/22/2021$0.3401.91%2.03%$67.13
01/22/202101/22/2021$0.3402.07%2.27%$59.96
10/22/202010/22/2020$0.3002.50%2.50%$48.04
07/23/202007/23/2020$0.3002.61%2.61%$45.90
04/23/202004/23/2020$0.3003.31%3.31%$36.30
01/23/202001/23/2020$0.3002.50%2.50%$47.94
10/24/201910/24/2019$0.3002.55%2.64%$45.49
07/24/201907/24/2019$0.3002.49%2.67%$45.01
04/24/201904/24/2019$0.3002.30%2.56%$46.96
01/24/201901/24/2019$0.2602.34%2.34%$44.36
10/24/201810/24/2018$0.2602.54%2.64%$39.42
07/24/201807/24/2018$0.2601.95%2.11%$49.25
04/24/201804/24/2018$0.2601.88%2.12%$48.98
01/24/201801/24/2018$0.2201.76%1.76%$49.92
10/24/201710/24/2017$0.2201.73%1.79%$49.05
07/21/201707/21/2017$0.2201.81%1.95%$45.22
04/21/201704/21/2017$0.2201.78%2.00%$44.11
01/23/201701/23/2017$0.1901.72%1.74%$43.80
10/21/201610/21/2016$0.1902.09%2.19%$34.73
07/21/201607/21/2016$0.1872.14%2.28%$32.77
04/21/201604/21/2016$0.1872.21%2.44%$30.65
01/21/201601/21/2016$0.1632.44%2.44%$26.81
10/21/201510/21/2015$0.1632.10%2.18%$30.01
07/22/201507/22/2015$0.1632.05%2.21%$29.53
04/22/201504/22/2015$0.1632.17%2.43%$26.85
01/21/201501/21/2015$0.1402.09%2.09%$26.82
10/22/201410/22/2014$0.1402.15%2.20%$25.41
07/23/201407/23/2014$0.1402.22%2.33%$24.00
04/23/201404/23/2014$0.1402.08%2.24%$25.00
01/22/201401/22/2014$0.1272.02%2.02%$25.12
10/23/201310/23/2013$0.1272.12%2.18%$23.27
07/23/201307/23/2013$0.1272.31%2.44%$20.75
04/23/201304/23/2013$0.1272.73%2.97%$17.08
12/14/201212/14/2012$0.1132.79%2.79%$16.25
10/23/201210/23/2012$0.1132.53%2.59%$17.53
07/23/201207/23/2012$0.1132.47%2.58%$17.56
04/23/201204/23/2012$0.1132.57%2.75%$16.49
01/23/201201/23/2012$0.1032.30%2.30%$17.96
10/21/201110/21/2011$0.1032.68%2.68%$15.44
07/21/201107/21/2011$0.1032.62%2.62%$15.80
04/20/201104/20/2011$0.1032.91%2.91%$14.19
01/21/201101/21/2011$0.1032.74%2.74%$15.07
10/21/201010/21/2010$0.1033.25%3.25%$12.71
07/21/201007/21/2010$0.1033.29%3.29%$12.57
04/21/201004/21/2010$0.1032.98%2.98%$13.86
01/21/201001/21/2010$0.1033.62%3.62%$11.43
10/21/200910/21/2009$0.1032.95%2.95%$14.01
07/22/200907/22/2009$0.1033.25%3.25%$12.71
04/22/200904/22/2009$0.1033.21%3.21%$12.87
01/21/200901/21/2009$0.1032.99%2.99%$13.83
10/22/200810/22/2008$0.1033.04%3.12%$13.27
07/23/200807/23/2008$0.1032.79%2.94%$14.07
04/23/200804/23/2008$0.1032.61%2.81%$14.71
01/23/200801/23/2008$0.0932.77%2.77%$13.49
10/23/200710/23/2007$0.0932.69%2.76%$13.51
07/23/200707/23/2007$0.0932.26%2.38%$15.67
04/23/200704/23/2007$0.0932.26%2.46%$15.17
01/23/200701/23/2007$0.0832.03%2.03%$16.43
10/23/200610/23/2006$0.0831.95%1.99%$16.77
07/21/200607/21/2006$0.0832.13%2.22%$15.04
04/19/200604/19/2006$0.0831.97%2.10%$15.87
01/06/200601/06/2006$0.0772.26%2.26%$13.55
10/05/200510/05/2005$0.0772.30%2.36%$13.02
07/06/200507/06/2005$0.0772.19%2.29%$13.42
04/06/200504/06/2005$0.0772.32%2.49%$12.33
01/06/200501/06/2005$0.0702.12%2.12%$13.22
10/06/200410/06/2004$0.0702.38%2.43%$11.51
07/07/200407/07/2004$0.0702.44%2.56%$10.93
04/06/200404/06/2004$0.0702.34%2.52%$11.12
01/07/200401/07/2004$0.0632.07%2.07%$12.26
10/08/200310/08/2003$0.0632.16%2.22%$11.41
07/08/200307/08/2003$0.0632.23%2.36%$10.75
04/08/200304/08/2003$0.0632.82%3.06%$8.27
01/08/200301/08/2003$0.0572.95%2.95%$7.69
10/08/200210/08/2002$0.0572.70%2.78%$8.16
07/08/200207/08/2002$0.0572.19%2.32%$9.76
04/08/200204/08/2002$0.0572.97%3.25%$6.97
01/08/200201/08/2002$0.0503.44%3.44%$5.82
10/05/200110/05/2001$0.0503.58%3.70%$5.40
07/06/200107/06/2001$0.0503.71%3.97%$5.03
04/06/200104/06/2001$0.0503.66%4.07%$4.92
01/08/200101/08/2001$0.0433.82%3.82%$4.54
10/05/200010/05/2000$0.0434.31%4.67%$3.71
07/06/200007/06/2000$0.0433.67%4.33%$4.00
04/06/200004/06/2000$0.0433.02%3.92%$4.42
01/06/200001/06/2000$0.0302.37%2.37%$5.06
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

LKFN Price

Price to Earnings

LKFN trades at a 66.2x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

LKFN trades at a 24.9x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

LKFN generated $0.1B in revenue. Revenue has grown by 24% over the period.

Net Income

LKFN reported $0.0B in net income.

Revenue vs Net Income

LKFN generated $0.1B in revenue with net income of $0.0B, representing a 37.6% net profit margin.

Gross Profit

LKFN achieved $0.1B in gross profit, showing revenue after direct production costs.

Operating Income

LKFN generated $0.0B in operating income, representing profit from core business operations.

EBITDA

LKFN generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

LKFN generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

LKFN generated $0.0B in free cash flow.

Free Cash Flow / Share

LKFN generates $1.09 in free cash flow per share.

Earnings Per Share (EPS)

LKFN reported $1.03 in earnings per share.

Return on Equity (ROE)

LKFN delivered a 31.4% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

LKFN achieved a 18.8% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

LKFN maintains a 37.6% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

LKFN operates with a 78.8% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

LKFN holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

LKFN has 0.0B shares outstanding.

Stock-Based Comp

LKFN reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 24%.

FCF vs Stock Based Comp

LKFN generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 6% of FCF.

FCF vs FCF / Share

LKFN reported $0.0B in free cash flow, translating to $1.09 per share.

Revenue: Actual + Estimates

This chart tracks LKFN revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks LKFN eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks LKFN net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks LKFN ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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