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LKFNLakeland Financial Corp

Options Analysis Report•STATE COMMERCIAL BANKS
Market Cap $1.5B|NASDAQ
● 2026-08-31$59.61
BULLISH
Analysis: 2026-08-28 EOD data
1Y -11.6%YTD +5.6%7D -1.0%
--
30D
±12.4%
5%

LKFN Options Overview

bullish flow. No clear edge detected.

REWARDS

RISK ANALYSIS

5.2VALUESENTIMENTACTIVITYLIQUIDITYTIMING

Snowflake Analysis

Balanced conditions with no clear edge

Learn
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LKFN Gamma Walls

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Value

Is IV priced right?

5.7
ExpensiveCheap

Measures whether options are cheap, fair, or rich relative to historical and peer

levels.

Risk Checks5/9 checks passed
≤35%

IV Rank 48.4% — elevated vs history

<1.05x

IV/HV 2.12x — IV premium over HV

Sector Relative≤50%

Sector percentile 69% — above sector median

<1.1x

Front/Back 1.60x — backwardation

<1.25x

Put/Call IV 1.16x — elevated

<80%

ATM IV 31.5% — normal range

<80%

Effective IV 33.8% (ATM 31.5% + spread 1.1% + bias) — excellent value

<3.0%

Total drag 1.13% (spread 1.13% + slippage 0.00%) — minimal drag

≥5.0

Vega efficiency 77.05 (vega 8.707 / spread 1.13%) — efficient

Sentiment

Bullish or bearish?

5.8
BearishBullish

Analyzes

,
, and flow direction to determine market bias.

Risk ChecksBalanced - Moderate signal (P/C: 1.00)
<0.65 or >1.55

P/C 1.00 — balanced (buy/sell unknown)

≥15%

|OI skew| 20.0% — call-heavy

Same sign, |vol skew| ≥10%

Vol skew +0.0%, OI skew +20.0% — divergent (opposite)

≥2/3 conditions

0-DTE 0%, far-OTM 15%, avg DTE 30

|change| ≥3%

OI change +0.0% (5d) — stable

Sector Relative≤40% or ≥60%

Sector P/C percentile 27% — very bullish vs sector

Activity

Unusual activity?

2.7
QuietActive

Detects volume surges,

, and unusual options activity that may signal moves.

Risk Checks0/8 checks passed
≥1.5x

Volume 1.0x avg — normal

≥15%

Vol/OI 0.0% — normal turnover

≥2 days

1 day(s) elevated — may be one-day event

≥5%

OI change +0.0% (5d) — stable

Sector Relative≥60%

Sector activity percentile 50% — neutral vs sector

≥30%

Large trade volume 0% — mostly retail

≥60%

Aggressive execution 0% — patient

≥30

Conviction +0 (neutral) — mixed

Liquidity

Can I trade efficiently?

4.3
IlliquidLiquid

Evaluates

, volume depth, and open interest for trade execution quality.

Risk Checks3/8 checks passed
≤5.0%

Spread 1.1% — tight

≥10,000

OI 10 — thin

≥500

Volume 0/day — thin

≤$0.50

$0.06 to cross — cheap

≥5 strikes

0 liquid strikes — limited options

Sector Relative≤40%

Sector spread percentile 76% — wider than sector

≥100 contracts

Depth 0 contracts (bid:0 ask:0) — thin

<1.0%

Avg slippage 0.00% — excellent

Timing

Is now a good time?

7.4
RiskyFavorable

Considers earnings proximity,

, and event calendar for optimal entry timing.

Risk Checks7/9 checks passed
|slope| ≥5%

Slope +59.8% — backwardation

<30 or >70

IV percentile 48% — neutral

≥10pts kink

IV kink 15.5pts — event priced

<0.5 or >2.0

θ/ν ratio 305.52 — favors income trades

≥3 expirations

3 liquid expirations — flexible

≥60% (safe)

safe window: No events detected

<1.2 ratio

Spread ratio 1.00x — stable

≥25% strength + ≥50% consistency

Flow +0% @ 50% consistency — unclear

≥40 composite score

Score 60 (ITM 20% + inst 30%) — HIGH institutional

Directional Strategy Fit

Option Buyers
Long Calls6.5
bullishIV fair, mixed flow
Long Puts5.2
bearishIV fair, mixed flow
Premium Sellers
Cash-Secured Put5.3
bullishIV fair, mixed flow
Covered Call4.7
bearishIV fair, mixed flow

For educational purposes only. Not investment advice.

The Options Desk tracks the move options price into every US earnings report the week of Aug 31, next to how much each stock has actually moved on its past prints — plus the SPY, QQQ and IWM expected ranges and the gamma walls that box them in.

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