LAKELAND FINANCIAL CORP (LKFN) Fundamental Analysis & Valuation

NASDAQ:LKFN • US5116561003

Current stock price

55.52 USD
-0.2 (-0.36%)
Last:

This LKFN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. LKFN Profitability Analysis

1.1 Basic Checks

  • In the past year LKFN was profitable.
  • In the past year LKFN had a positive cash flow from operations.
  • Each year in the past 5 years LKFN has been profitable.
  • Each year in the past 5 years LKFN had a positive operating cash flow.
LKFN Yearly Net Income VS EBIT VS OCF VS FCFLKFN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.48%, LKFN belongs to the top of the industry, outperforming 87.40% of the companies in the same industry.
  • LKFN has a Return On Equity of 13.56%. This is amongst the best in the industry. LKFN outperforms 89.76% of its industry peers.
Industry RankSector Rank
ROA 1.48%
ROE 13.56%
ROIC N/A
ROA(3y)1.44%
ROA(5y)1.48%
ROE(3y)13.89%
ROE(5y)14.7%
ROIC(3y)N/A
ROIC(5y)N/A
LKFN Yearly ROA, ROE, ROICLKFN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 38.43%, LKFN belongs to the best of the industry, outperforming 94.23% of the companies in the same industry.
  • In the last couple of years the Profit Margin of LKFN has remained more or less at the same level.
  • LKFN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 38.43%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.23%
PM growth 5Y-0.89%
GM growth 3YN/A
GM growth 5YN/A
LKFN Yearly Profit, Operating, Gross MarginsLKFN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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4

2. LKFN Health Analysis

2.1 Basic Checks

  • LKFN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • LKFN has less shares outstanding than it did 1 year ago.
  • LKFN has about the same amout of shares outstanding than it did 5 years ago.
  • The debt/assets ratio for LKFN is higher compared to a year ago.
LKFN Yearly Shares OutstandingLKFN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
LKFN Yearly Total Debt VS Total AssetsLKFN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • LKFN has a debt to FCF ratio of 0.13. This is a very positive value and a sign of high solvency as it would only need 0.13 years to pay back of all of its debts.
  • LKFN's Debt to FCF ratio of 0.13 is amongst the best of the industry. LKFN outperforms 88.19% of its industry peers.
  • A Debt/Equity ratio of 0.02 indicates that LKFN is not too dependend on debt financing.
  • LKFN has a better Debt to Equity ratio (0.02) than 87.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.13
Altman-Z N/A
ROIC/WACCN/A
WACC17.15%
LKFN Yearly LT Debt VS Equity VS FCFLKFN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LKFN Yearly Current Assets VS Current LiabilitesLKFN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. LKFN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.47% over the past year.
  • The Earnings Per Share has been growing slightly by 3.97% on average over the past years.
  • The Revenue has been growing slightly by 6.10% in the past year.
  • Measured over the past years, LKFN shows a small growth in Revenue. The Revenue has been growing by 5.10% on average per year.
EPS 1Y (TTM)10.47%
EPS 3Y-0.25%
EPS 5Y3.97%
EPS Q2Q%23.4%
Revenue 1Y (TTM)6.1%
Revenue growth 3Y3.19%
Revenue growth 5Y5.1%
Sales Q2Q%9.79%

3.2 Future

  • LKFN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.87% yearly.
  • Based on estimates for the next years, LKFN will show a small growth in Revenue. The Revenue will grow by 5.93% on average per year.
EPS Next Y8.87%
EPS Next 2Y6.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.69%
Revenue Next 2Y5.93%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
LKFN Yearly Revenue VS EstimatesLKFN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
LKFN Yearly EPS VS EstimatesLKFN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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2

4. LKFN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.85 indicates a correct valuation of LKFN.
  • Based on the Price/Earnings ratio, LKFN is valued a bit more expensive than 69.29% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.73. LKFN is valued slightly cheaper when compared to this.
  • LKFN is valuated correctly with a Price/Forward Earnings ratio of 12.72.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LKFN indicates a slightly more expensive valuation: LKFN is more expensive than 70.87% of the companies listed in the same industry.
  • LKFN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.85
Fwd PE 12.72
LKFN Price Earnings VS Forward Price EarningsLKFN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • LKFN's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.52
EV/EBITDA N/A
LKFN Per share dataLKFN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • LKFN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.56
PEG (5Y)3.48
EPS Next 2Y6.87%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. LKFN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.68%, LKFN has a reasonable but not impressive dividend return.
  • LKFN's Dividend Yield is a higher than the industry average which is at 2.90.
  • LKFN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.68%

5.2 History

  • On average, the dividend of LKFN grows each year by 10.88%, which is quite nice.
  • LKFN has paid a dividend for at least 10 years, which is a reliable track record.
  • LKFN has decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.88%
Div Incr Years2
Div Non Decr Years2
LKFN Yearly Dividends per shareLKFN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • LKFN pays out 49.76% of its income as dividend. 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.
DP49.76%
EPS Next 2Y6.87%
EPS Next 3YN/A
LKFN Yearly Income VS Free CF VS DividendLKFN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
LKFN Dividend Payout.LKFN Dividend Payout, showing the Payout Ratio.LKFN Dividend Payout.PayoutRetained Earnings

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LKFN Fundamentals: All Metrics, Ratios and Statistics

LAKELAND FINANCIAL CORP

NASDAQ:LKFN (3/20/2026, 10:58:48 AM)

55.52

-0.2 (-0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-23
Inst Owners85.46%
Inst Owner Change-2.11%
Ins Owners2.94%
Ins Owner Change3.1%
Market Cap1.40B
Revenue(TTM)268.99M
Net Income(TTM)103.36M
Analysts74.55
Price Target67.73 (21.99%)
Short Float %8.24%
Short Ratio11.37
Dividend
Industry RankSector Rank
Dividend Yield 3.68%
Yearly Dividend2.03
Dividend Growth(5Y)10.88%
DP49.76%
Div Incr Years2
Div Non Decr Years2
Ex-Date01-23
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.3%
Min EPS beat(2)-3.09%
Max EPS beat(2)7.69%
EPS beat(4)2
Avg EPS beat(4)-0.93%
Min EPS beat(4)-13.77%
Max EPS beat(4)7.69%
EPS beat(8)6
Avg EPS beat(8)0.57%
EPS beat(12)8
Avg EPS beat(12)-1.27%
EPS beat(16)10
Avg EPS beat(16)-1.37%
Revenue beat(2)0
Avg Revenue beat(2)-5.29%
Min Revenue beat(2)-9.04%
Max Revenue beat(2)-1.54%
Revenue beat(4)0
Avg Revenue beat(4)-3.83%
Min Revenue beat(4)-9.04%
Max Revenue beat(4)-1.54%
Revenue beat(8)1
Avg Revenue beat(8)-1.24%
Revenue beat(12)2
Avg Revenue beat(12)-1.91%
Revenue beat(16)2
Avg Revenue beat(16)-2.02%
PT rev (1m)0.23%
PT rev (3m)-0.6%
EPS NQ rev (1m)-1.12%
EPS NQ rev (3m)1.4%
EPS NY rev (1m)-0.7%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.6%
Valuation
Industry RankSector Rank
PE 13.85
Fwd PE 12.72
P/S 5.22
P/FCF 13.52
P/OCF 12.21
P/B 1.84
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)4.01
EY7.22%
EPS(NY)4.37
Fwd EY7.86%
FCF(TTM)4.11
FCFY7.4%
OCF(TTM)4.55
OCFY8.19%
SpS10.64
BVpS30.17
TBVpS29.97
PEG (NY)1.56
PEG (5Y)3.48
Graham Number52.17
Profitability
Industry RankSector Rank
ROA 1.48%
ROE 13.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 38.43%
GM N/A
FCFM 38.58%
ROA(3y)1.44%
ROA(5y)1.48%
ROE(3y)13.89%
ROE(5y)14.7%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.23%
PM growth 5Y-0.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.13
Debt/EBITDA N/A
Cap/Depr 186.05%
Cap/Sales 4.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.39%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.15%
ROIC/WACCN/A
Cap/Depr(3y)142.71%
Cap/Depr(5y)121.96%
Cap/Sales(3y)3.32%
Cap/Sales(5y)2.94%
Profit Quality(3y)105.32%
Profit Quality(5y)117.37%
High Growth Momentum
Growth
EPS 1Y (TTM)10.47%
EPS 3Y-0.25%
EPS 5Y3.97%
EPS Q2Q%23.4%
EPS Next Y8.87%
EPS Next 2Y6.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.1%
Revenue growth 3Y3.19%
Revenue growth 5Y5.1%
Sales Q2Q%9.79%
Revenue Next Year6.69%
Revenue Next 2Y5.93%
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 1Y10.56%
FCF growth 3Y-14.24%
FCF growth 5Y4.95%
OCF growth 1Y12.1%
OCF growth 3Y-12.12%
OCF growth 5Y5.67%

LAKELAND FINANCIAL CORP / LKFN Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for LAKELAND FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to LKFN.


What is the valuation status for LKFN stock?

ChartMill assigns a valuation rating of 2 / 10 to LAKELAND FINANCIAL CORP (LKFN). This can be considered as Overvalued.


How profitable is LAKELAND FINANCIAL CORP (LKFN) stock?

LAKELAND FINANCIAL CORP (LKFN) has a profitability rating of 5 / 10.


What are the PE and PB ratios of LAKELAND FINANCIAL CORP (LKFN) stock?

The Price/Earnings (PE) ratio for LAKELAND FINANCIAL CORP (LKFN) is 13.85 and the Price/Book (PB) ratio is 1.84.


Is the dividend of LAKELAND FINANCIAL CORP sustainable?

The dividend rating of LAKELAND FINANCIAL CORP (LKFN) is 5 / 10 and the dividend payout ratio is 49.76%.