LAKELAND FINANCIAL CORP (LKFN) Stock Fundamental Analysis

NASDAQ:LKFN • US5116561003

60.23 USD
-0.27 (-0.45%)
At close: Feb 20, 2026
60.23 USD
0 (0%)
After Hours: 2/20/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

LKFN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 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. LKFN is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year LKFN was profitable.
  • In the past year LKFN had a positive cash flow from operations.
  • In the past 5 years LKFN has always been profitable.
  • LKFN had a positive operating cash flow in 4 of the past 5 years.
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 1.42%, LKFN belongs to the top of the industry, outperforming 86.61% of the companies in the same industry.
  • LKFN has a Return On Equity of 13.06%. This is amongst the best in the industry. LKFN outperforms 86.88% of its industry peers.
Industry RankSector Rank
ROA 1.42%
ROE 13.06%
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

  • LKFN has a better Profit Margin (37.16%) than 92.91% of its industry peers.
  • 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) 37.16%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • LKFN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LKFN has been reduced compared to 1 year ago.
  • LKFN has about the same amout of shares outstanding than it did 5 years ago.
  • LKFN has a worse debt/assets ratio than last year.
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

  • There is no outstanding debt for LKFN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC18.7%
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. Growth

3.1 Past

  • LKFN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.47%, which is quite good.
  • Measured over the past 5 years, LKFN shows a small growth in Earnings Per Share. The EPS has been growing by 3.97% on average per year.
  • LKFN shows a small growth in Revenue. In the last year, the Revenue has grown by 6.10%.
  • 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

  • Based on estimates for the next years, LKFN will show a small growth in Earnings Per Share. The EPS will grow by 7.28% on average per year.
  • LKFN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.93% yearly.
EPS Next Y9.63%
EPS Next 2Y7.28%
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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.02, the valuation of LKFN can be described as correct.
  • LKFN's Price/Earnings ratio is a bit more expensive when compared to the industry. LKFN is more expensive than 67.98% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of LKFN to the average of the S&P500 Index (26.99), we can say LKFN is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 13.70, which indicates a correct valuation of LKFN.
  • 69.03% of the companies in the same industry are cheaper than LKFN, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of LKFN to the average of the S&P500 Index (28.06), we can say LKFN is valued rather cheaply.
Industry RankSector Rank
PE 15.02
Fwd PE 13.7
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as LKFN.
Industry RankSector Rank
P/FCF 13.97
EV/EBITDA N/A
LKFN Per share dataLKFN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.56
PEG (5Y)3.78
EPS Next 2Y7.28%
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.44%, LKFN has a reasonable but not impressive dividend return.
  • LKFN's Dividend Yield is a higher than the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.85, LKFN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.44%

5.2 History

  • On average, the dividend of LKFN grows each year by 10.47%, which is quite nice.
  • LKFN has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of LKFN decreased in the last 3 years.
Dividend Growth(5Y)10.47%
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

  • 52.10% of the earnings are spent on dividend by LKFN. This is a bit on the high side, but may be sustainable.
  • The dividend of LKFN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP52.1%
EPS Next 2Y7.28%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

LAKELAND FINANCIAL CORP

NASDAQ:LKFN (2/20/2026, 8:00:01 PM)

After market: 60.23 0 (0%)

60.23

-0.27 (-0.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-23
Inst Owners86.42%
Inst Owner Change-3.85%
Ins Owners2.81%
Ins Owner Change3.21%
Market Cap1.52B
Revenue(TTM)268.99M
Net Income(TTM)97.64M
Analysts76
Price Target67.58 (12.2%)
Short Float %7.48%
Short Ratio10.22
Dividend
Industry RankSector Rank
Dividend Yield 3.44%
Yearly Dividend1.94
Dividend Growth(5Y)10.47%
DP52.1%
Div Incr Years2
Div Non Decr Years2
Ex-Date01-23
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.18%
Min EPS beat(2)-3.09%
Max EPS beat(2)5.44%
EPS beat(4)2
Avg EPS beat(4)-2.11%
Min EPS beat(4)-13.77%
Max EPS beat(4)5.44%
EPS beat(8)6
Avg EPS beat(8)3.08%
EPS beat(12)7
Avg EPS beat(12)-2.92%
EPS beat(16)9
Avg EPS beat(16)-2.03%
Revenue beat(2)0
Avg Revenue beat(2)-5.98%
Min Revenue beat(2)-9.04%
Max Revenue beat(2)-2.92%
Revenue beat(4)0
Avg Revenue beat(4)-3.75%
Min Revenue beat(4)-9.04%
Max Revenue beat(4)-1.21%
Revenue beat(8)2
Avg Revenue beat(8)-0.1%
Revenue beat(12)2
Avg Revenue beat(12)-1.85%
Revenue beat(16)2
Avg Revenue beat(16)-2.32%
PT rev (1m)-0.82%
PT rev (3m)-3.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.37%
EPS NY rev (3m)3.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.6%
Revenue NY rev (3m)2.23%
Valuation
Industry RankSector Rank
PE 15.02
Fwd PE 13.7
P/S 5.78
P/FCF 13.97
P/OCF 12.7
P/B 2.03
P/tB 2.05
EV/EBITDA N/A
EPS(TTM)4.01
EY6.66%
EPS(NY)4.4
Fwd EY7.3%
FCF(TTM)4.31
FCFY7.16%
OCF(TTM)4.74
OCFY7.88%
SpS10.42
BVpS29.64
TBVpS29.44
PEG (NY)1.56
PEG (5Y)3.78
Graham Number51.71
Profitability
Industry RankSector Rank
ROA 1.42%
ROE 13.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.16%
GM N/A
FCFM 41.39%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 184.09%
Cap/Sales 4.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.37%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC18.7%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.47%
EPS 3Y-0.25%
EPS 5Y3.97%
EPS Q2Q%23.4%
EPS Next Y9.63%
EPS Next 2Y7.28%
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 1Y31.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y32.24%
OCF growth 3YN/A
OCF growth 5YN/A

LAKELAND FINANCIAL CORP / LKFN 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 3 / 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 4 / 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 15.02 and the Price/Book (PB) ratio is 2.03.


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 52.1%.