LKFN (Lakeland Financial) Retained Earnings: $801.6 Mil (As of Mar. 2026)


LKFN Lakeland Financial Corp LKFN
65 GF Score
Price $60.40
GF Value $67.69
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Lakeland Financial Retained Earnings?

Lakeland Financial LKFN +0.97% 65 Retained Earnings is $801.6 Mil as of Mar. 2026. GuruFocus rates LKFN with a GF Score™ of 65/100 and a GF Value™ of $67.69 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Lakeland Financial's retained earnings for the quarter that ended in Mar. 2026 was $801.6 Mil.

Lakeland Financial's quarterly retained earnings increased from Sep. 2025 ($771.3 Mil) to Dec. 2025 ($788.3 Mil) and increased from Dec. 2025 ($788.3 Mil) to Mar. 2026 ($801.6 Mil).

Lakeland Financial's annual retained earnings increased from Dec. 2023 ($692.8 Mil) to Dec. 2024 ($736.4 Mil) and increased from Dec. 2024 ($736.4 Mil) to Dec. 2025 ($788.3 Mil).


Lakeland Financial  (NAS:LKFN) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Lakeland Financial Retained Earnings Historical Data

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The historical data trend for Lakeland Financial's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Lakeland Financial Retained Earnings Chart

Lakeland Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 583.13 646.10 692.76 736.41 788.35

Lakeland Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 743.65 757.74 771.29 788.35 801.62
LKFN
65GF Score
Lakeland Financial Corp LKFN
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Lakeland Financial Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $801.6 Mil mean?
Lakeland Financial (LKFN) has a Retained Earnings of $801.6 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Lakeland Financial and its competitors.
Is Lakeland Financial's Retained Earnings too high?
Lakeland Financial's current Retained Earnings is $801.6 Mil. Overall, Lakeland Financial has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lakeland Financial's Retained Earnings compare to OBK and QCRH?
Lakeland Financial's Retained Earnings of $801.6 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Lakeland Financial and its competitors. Lakeland Financial's current Retained Earnings is $801.6 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lakeland Financial stock overvalued right now?
Based on GuruFocus' analysis, Lakeland Financial (LKFN) is currently considered Modestly Undervalued. The stock's GF Value™ is $67.69, compared to a current price of $60.40 — trading 10.8% below its estimated fair value. The current Retained Earnings is $801.6 Mil. Lakeland Financial's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current Retained Earnings is $801.6 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Lakeland Financial (LKFN) Overvalued in 2026?

Based on GuruFocus' analysis, Lakeland Financial stock appears to be undervalued. The current stock price of $60.40 is trading 10.8% below its estimated GF Value™ of $67.69. GuruFocus considers Lakeland Financial to be Modestly Undervalued.

Key valuation signals for LKFN:

  • Retained Earnings: $801.6 Mil
  • GF Value™: $67.69 vs. price of $60.40 (10.8% below fair value)
  • GF Score™: 65/100 with 2 warning signs

No single metric tells the full story. See the LKFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Lakeland Financial Business Description

Address 202 East Center Street, P.O.Box 1387, Warsaw, IN, USA, 46581-1387
Lakeland Financial Corp is a bank holding company. It provides commercial, retail, wealth advisory, and investment management services. It offers a broad line of products and services throughout its Northern and Central Indiana markets. The company provides commercial and consumer banking services, as well as trust and wealth management, brokerage, and treasury management commercial services. It serves a wide variety of industries including, among others, commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare. The company's revenue is derived from the business of banking.
65GF Score

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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$60.40
Price
$67.69
GF Value