Lakeland Financial Corporation (LKFN) — Financial Flexibility Index

Latest as of September 2025: 0.01x

Lakeland Financial Corporation (LKFN) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $41.08 Million (operating CF $36.07 Million minus capex $5.01 Million) represents 0% of total liabilities ($6.15 Billion). Check Lakeland Financial Corporation cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.01x
Free Cash Flow / Total Liabilities

Free Cash Flow

$41.08 Million
Operating CF − Capex

Total Liabilities

$6.15 Billion
USD

Capital Expenditures

$5.01 Million
USD

Lakeland Financial Corporation Financial Flexibility Index (1994–2024)

Historical Financial Flexibility Index trend for Lakeland Financial Corporation across 31 annual periods. For the full cash flow conversion analysis, see Lakeland Financial Corporation operating cash flow efficiency.

Annual Financial Flexibility Index for Lakeland Financial Corporation (1994–2024)

Year-by-year free cash flow to debt coverage for Lakeland Financial Corporation. Explore Lakeland Financial Corporation cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (USD) Operating CF Total Liabilities YoY Change
2024 0.02x $111.12 Million $102.48 Million $5.99 Billion ▼ -9.2%
2023 0.02x $119.97 Million $113.98 Million $5.87 Billion ▼ -31.2%
2022 0.03x $174.16 Million $169.34 Million $5.86 Billion ▲ +44.9%
2021 0.02x $119.94 Million $113.77 Million $5.85 Billion ▲ +14.1%
2020 0.02x $92.95 Million $87.23 Million $5.17 Billion ▼ -27.7%
2019 0.02x $108.04 Million $100.04 Million $4.35 Billion ▼ -4.2%
2018 0.03x $112.94 Million $104.97 Million $4.35 Billion ▲ +25.9%
2017 0.02x $86.82 Million $77.24 Million $4.21 Billion ▲ +10.5%
2016 0.02x $72.02 Million $62.20 Million $3.86 Billion ▼ -3.2%
2015 0.02x $64.95 Million $55.78 Million $3.37 Billion ▼ -2.6%
2014 0.02x $60.95 Million $54.38 Million $3.08 Billion ▼ -19.9%
2013 0.02x $70.47 Million $62.97 Million $2.85 Billion ▲ +27.7%
2012 0.02x $53.49 Million $50.59 Million $2.77 Billion ▼ -12.9%
2011 0.02x $58.06 Million $51.40 Million $2.62 Billion ▲ +10.9%
2010 0.02x $48.73 Million $45.70 Million $2.43 Billion ▲ +79.3%
2009 0.01x $25.58 Million $24.26 Million $2.29 Billion ▼ -27.7%
2008 0.02x $34.39 Million $29.35 Million $2.23 Billion ▼ -23.3%
2007 0.02x $37.11 Million $33.04 Million $1.84 Billion ▲ +53.1%
2006 0.01x $22.44 Million $20.19 Million $1.71 Billion ▼ -26.6%
2005 0.02x $27.25 Million $26.00 Million $1.52 Billion ▼ -1.9%
2004 0.02x $24.68 Million $23.58 Million $1.35 Billion ▼ -26.0%
2003 0.02x $29.17 Million $25.54 Million $1.18 Billion ▲ +17.0%
2002 0.02x $24.56 Million $21.72 Million $1.16 Billion ▲ +171.0%
2001 0.01x $8.29 Million $6.81 Million $1.06 Billion ▼ -51.9%
2000 0.02x $17.57 Million $15.21 Million $1.08 Billion ▼ -18.4%
1999 0.02x $19.57 Million $15.65 Million $985.65 Million ▲ +79.8%
1998 0.01x $10.20 Million $6.20 Million $923.70 Million ▼ -42.6%
1997 0.02x $14.40 Million $8.90 Million $748.20 Million ▲ +10.0%
1996 0.02x $10.75 Million $7.19 Million $614.51 Million ▼ -20.4%
1995 0.02x $11.68 Million $8.03 Million $531.83 Million ▼ -19.6%
1994 0.03x $12.77 Million $10.28 Million $467.07 Million
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities