Lakeland Financial Corporation (LKFN) — Defensive Interval Ratio
Lakeland Financial Corporation (LKFN) has a Defensive Interval Ratio of 7 days as of December 2025. Defensive assets of $113.18 Million (cash $-, short-term investments $84.18 Million, receivables $29.00 Million) cover 7 days of daily cash needs of $16.89 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Lakeland Financial Corporation Defensive Interval Ratio (1994–2025)
This chart shows how Lakeland Financial Corporation's Defensive Interval Ratio has evolved across 32 annual periods from 1994 to 2025. As of December 2025, the ratio stands at 7 days, meaning defensive assets of $113.18 Million can fund 7 days of operations without new revenue. For the complete balance sheet picture, see Lakeland Financial Corporation assets under control.
Annual Defensive Interval Ratio for Lakeland Financial Corporation (1994–2025)
The table below presents the year-by-year Defensive Interval Ratio for Lakeland Financial Corporation from 1994 to 2025, covering 32 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Lakeland Financial Corporation (LKFN) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 7 days | $113.18 Million | $16.89 Million/day | $- | $84.18 Million | ▼ -21 days |
| 2024 | 28 days | $451.29 Million | $16.21 Million/day | $- | $422.85 Million | ▼ -61 days |
| 2023 | 89 days | $1.08 Billion | $12.12 Million/day | $- | $1.05 Billion | ▼ -138936 days |
| 2022 | 139026 days | $1.21 Billion | $8.73K/day | $- | $1.19 Billion | ▼ -58349 days |
| 2021 | 197375 days | $1.42 Billion | $7.18K/day | $- | $1.40 Billion | ▲ +151215 days |
| 2020 | 46160 days | $753.61 Million | $16.33K/day | $- | $734.85 Million | ▲ +46105 days |
| 2019 | 55 days | $623.62 Million | $11.36 Million/day | $- | $608.23 Million | ▲ +4 days |
| 2018 | 51 days | $601.07 Million | $11.78 Million/day | $- | $585.55 Million | ▲ +3 days |
| 2017 | 48 days | $552.59 Million | $11.41 Million/day | $- | $538.49 Million | ▼ -1 days |
| 2016 | 49 days | $515.88 Million | $10.45 Million/day | $- | $504.19 Million | ▼ -4 days |
| 2015 | 53 days | $487.53 Million | $9.11 Million/day | $- | $478.07 Million | ▼ -5 days |
| 2014 | 58 days | $484.57 Million | $8.32 Million/day | $- | $475.91 Million | ▼ -4 days |
| 2013 | 62 days | $477.54 Million | $7.70 Million/day | $- | $468.97 Million | ▼ -36416 days |
| 2012 | 36478 days | $475.51 Million | $13.04K/day | $- | $467.02 Million | ▲ +34935 days |
| 2011 | 1543 days | $57.29 Million | $37.12K/day | $- | $47.67 Million | ▲ +1539 days |
| 2010 | 4 days | $26.70 Million | $6.53 Million/day | $- | $17.63 Million | ▲ +2 days |
| 2009 | 3 days | $15.62 Million | $6.08 Million/day | $- | $7.02 Million | ▼ 0 days |
| 2008 | 3 days | $15.46 Million | $5.77 Million/day | $- | $6.86 Million | ▼ -1 days |
| 2007 | 4 days | $20.54 Million | $4.92 Million/day | $- | $11.41 Million | ▼ -10 days |
| 2006 | 14 days | $63.17 Million | $4.56 Million/day | $- | $54.45 Million | ▼ -46 days |
| 2005 | 60 days | $12.71 Million | $212.25K/day | $- | $5.29 Million | ▼ -74 days |
| 2004 | 134 days | $28.48 Million | $212.58K/day | $- | $22.71 Million | ▲ +103 days |
| 2003 | 31 days | $5.01 Million | $159.34K/day | $- | $- | ▼ -29 days |
| 2002 | 61 days | $5.00 Million | $82.19K/day | $- | $- | ▲ +59 days |
| 2001 | 2 days | $5.44 Million | $2.83 Million/day | $- | $- | ▼ 0 days |
| 2000 | 2 days | $6.74 Million | $2.88 Million/day | $- | $- | ▲ +0 days |
| 1999 | 2 days | $5.42 Million | $2.60 Million/day | $- | $- | ▼ 0 days |
| 1998 | 2 days | $5.70 Million | $2.40 Million/day | $- | $- | ▼ 0 days |
| 1997 | 3 days | $4.90 Million | $1.91 Million/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $4.25 Million | $1.60 Million/day | $- | $- | ▼ 0 days |
| 1995 | 3 days | $4.00 Million | $1.39 Million/day | $- | $- | ▲ +0 days |
| 1994 | 3 days | $3.46 Million | $1.22 Million/day | $- | $- | — |