LKFN (Lakeland Financial) Short-Term Debt: $50.0 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 Short-Term Debt?

Lakeland Financial LKFN +0.97% 65 Short-Term Debt is $50.0 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.

Lakeland Financial's Short-Term Debt for the quarter that ended in Mar. 2026 was $50.0 Mil.

Lakeland Financial's quarterly Short-Term Debt increased from Sep. 2025 ($55.0 Mil) to Dec. 2025 ($170.0 Mil) but then declined from Dec. 2025 ($170.0 Mil) to Mar. 2026 ($50.0 Mil).

Lakeland Financial's annual Short-Term Debt stayed the same from Dec. 2023 ($0.0 Mil) to Dec. 2024 ($0.0 Mil) but then increased from Dec. 2024 ($0.0 Mil) to Dec. 2025 ($170.0 Mil).

Lakeland Financial Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Lakeland Financial Short-Term Debt Related Terms

Lakeland Financial Short-Term Debt Historical Data

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The historical data trend for Lakeland Financial's Short-Term Debt 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 Short-Term Debt Chart

Lakeland Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 170.00

Lakeland Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Short-Term Debt 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 107.00 0.00 55.00 170.00 50.00
LKFN
65GF Score
Lakeland Financial Corp LKFN
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of $50.0 Mil mean?
Lakeland Financial (LKFN) has a Short-Term Debt of $50.0 Mil as of Mar. 2026.
Is Lakeland Financial's Short-Term Debt too high?
Lakeland Financial's current Short-Term Debt is $50.0 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 Short-Term Debt compare to OBK and QCRH?
Lakeland Financial's Short-Term Debt of $50.0 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 Short-Term Debt for a Banks company?
A good Short-Term Debt depends on the Banks industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Lakeland Financial's current Short-Term Debt is $50.0 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 Short-Term Debt is $50.0 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 Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current Short-Term Debt is $50.0 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:

  • Short-Term Debt: $50.0 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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Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$60.40
Price
$67.69
GF Value