LKFN Fundamental Analysis - LAKELAND FINANCIAL CORP

Fundamental Rating

Taking everything into account, LKFN scores 4 out of 10 in our fundamental rating. LKFN was compared to 392 industry peers in the Banks industry. Both the profitability and the financial health of LKFN get a neutral evaluation. Nothing too spectacular is happening here. While showing a medium growth rate, LKFN is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

LKFN had positive earnings in the past year.

LKFN had a positive operating cash flow in the past year.

LKFN had positive earnings in each of the past 5 years.

In the past 5 years LKFN always reported a positive cash flow from operatings.

1.2 Ratios

LKFN has a better Return On Assets (1.32%) than 84.18% of its industry peers.

Looking at the Return On Equity, with a value of 12.98%, LKFN belongs to the top of the industry, outperforming 86.99% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.32%
ROE	12.98%
ROIC	N/A

ROA(3y)1.48%

ROA(5y)1.47%

ROE(3y)15.45%

ROE(5y)14.55%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 35.04%, LKFN belongs to the top of the industry, outperforming 92.35% of the companies in the same industry.

In the last couple of years the Profit Margin of LKFN has declined.

The Operating Margin and Gross Margin are not available for LKFN so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	35.04%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-4.96%

PM growth 5Y-3.25%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LKFN does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, LKFN has more shares outstanding

Compared to 5 years ago, LKFN has more shares outstanding

LKFN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

LKFN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC18.47%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

LKFN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.38%.

LKFN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.44% yearly.

LKFN shows a small growth in Revenue. In the last year, the Revenue has grown by 2.69%.

Measured over the past years, LKFN shows a small growth in Revenue. The Revenue has been growing by 4.86% on average per year.

EPS 1Y (TTM)-6.38%

EPS 3Y-0.99%

EPS 5Y1.44%

EPS Q2Q%19.54%

Revenue 1Y (TTM)2.69%

Revenue growth 3Y4.4%

Revenue growth 5Y4.86%

Sales Q2Q%-3.45%

3.2 Future

LKFN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.56% yearly.

Based on estimates for the next years, LKFN will show a small growth in Revenue. The Revenue will grow by 6.73% on average per year.

EPS Next Y5.77%

EPS Next 2Y6.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.52%

Revenue Next 2Y6.73%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 16.69, the valuation of LKFN can be described as correct.

Compared to the rest of the industry, the Price/Earnings ratio of LKFN indicates a slightly more expensive valuation: LKFN is more expensive than 75.51% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of LKFN to the average of the S&P500 Index (27.24), we can say LKFN is valued slightly cheaper.

With a Price/Forward Earnings ratio of 14.86, LKFN is valued correctly.

Based on the Price/Forward Earnings ratio, LKFN is valued a bit more expensive than 75.00% of the companies in the same industry.

LKFN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.42.

		Industry Rank	Sector Rank
PE	16.69
Fwd PE	14.86

4.2 Price Multiples

LKFN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. LKFN is more expensive than 64.54% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	16
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.89

PEG (5Y)11.61

EPS Next 2Y6.56%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

LKFN has a Yearly Dividend Yield of 3.16%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.51, LKFN has a dividend in line with its industry peers.

LKFN's Dividend Yield is a higher than the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	3.16%

5.2 History

The dividend of LKFN is nicely growing with an annual growth rate of 10.47%!

LKFN has been paying a dividend for at least 10 years, so it has a reliable track record.

LKFN has decreased its dividend in the last 3 years.

Dividend Growth(5Y)10.47%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

55.28% of the earnings are spent on dividend by LKFN. This is a bit on the high side, but may be sustainable.

LKFN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP55.28%

EPS Next 2Y6.56%

EPS Next 3YN/A

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LAKELAND FINANCIAL CORP

NASDAQ:LKFN (8/5/2025, 10:59:03 AM)

61.245

-0.6 (-0.96%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-25 2025-07-25/bmo

Earnings (Next)10-23 2025-10-23/bmo

Inst Owners86.01%

Inst Owner Change-1.05%

Ins Owners2.75%

Ins Owner Change4.04%

Market Cap1.56B

Analysts76.36

Price Target67.32 (9.92%)

Short Float %9.12%

Short Ratio13.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.16%

Yearly Dividend1.94

Dividend Growth(5Y)10.47%

DP55.28%

Div Incr Years2

Div Non Decr Years2

Ex-Date07-25 2025-07-25 (0.5)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-5.4%

Min EPS beat(2)-13.77%

Max EPS beat(2)2.97%

EPS beat(4)3

Avg EPS beat(4)-2.34%

Min EPS beat(4)-13.77%

Max EPS beat(4)2.97%

EPS beat(8)6

Avg EPS beat(8)-1.23%

EPS beat(12)8

Avg EPS beat(12)-2.42%

EPS beat(16)9

Avg EPS beat(16)-1.52%

Revenue beat(2)0

Avg Revenue beat(2)-1.52%

Min Revenue beat(2)-1.82%

Max Revenue beat(2)-1.21%

Revenue beat(4)1

Avg Revenue beat(4)1.45%

Min Revenue beat(4)-2.19%

Max Revenue beat(4)11.01%

Revenue beat(8)2

Avg Revenue beat(8)0.1%

Revenue beat(12)2

Avg Revenue beat(12)-1.27%

Revenue beat(16)2

Avg Revenue beat(16)-1.79%

PT rev (1m)0%

PT rev (3m)-3.23%

EPS NQ rev (1m)0.1%

EPS NQ rev (3m)0.1%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.01%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.75%

Revenue NY rev (3m)3.29%

Valuation

		Industry Rank	Sector Rank
PE	16.69
Fwd PE	14.86
P/S	6.08
P/FCF	16
P/OCF	14.67
P/B	2.25
P/tB	2.27
EV/EBITDA	N/A

EPS(TTM)3.67

EY5.99%

EPS(NY)4.12

Fwd EY6.73%

FCF(TTM)3.83

FCFY6.25%

OCF(TTM)4.18

OCFY6.82%

SpS10.08

BVpS27.2

TBVpS27.01

PEG (NY)2.89

PEG (5Y)11.61

Profitability

		Industry Rank	Sector Rank
ROA	1.32%
ROE	12.98%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	35.04%
GM	N/A
FCFM	37.99%

ROA(3y)1.48%

ROA(5y)1.47%

ROE(3y)15.45%

ROE(5y)14.55%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-4.96%

PM growth 5Y-3.25%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	150.56%
Cap/Sales	3.45%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	108.4%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC18.47%

ROIC/WACCN/A

Cap/Depr(3y)107.36%

Cap/Depr(5y)103.75%

Cap/Sales(3y)2.6%

Cap/Sales(5y)2.66%

Profit Quality(3y)124.68%

Profit Quality(5y)116.63%

High Growth Momentum

Growth

EPS 1Y (TTM)-6.38%

EPS 3Y-0.99%

EPS 5Y1.44%

EPS Q2Q%19.54%

EPS Next Y5.77%

EPS Next 2Y6.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)2.69%

Revenue growth 3Y4.4%

Revenue growth 5Y4.86%

Sales Q2Q%-3.45%

Revenue Next Year8.52%

Revenue Next 2Y6.73%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-31.7%

FCF growth 3Y-4.45%

FCF growth 5Y0.4%

OCF growth 1Y-28.45%

OCF growth 3Y-3.43%

OCF growth 5Y0.49%

LAKELAND FINANCIAL CORP (LKFN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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