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LAKELAND FINANCIAL CORP (LKFN) Stock Fundamental Analysis

NASDAQ:LKFN - US5116561003 - Common Stock

67.78 USD
+0.63 (+0.94%)
Last: 8/26/2025, 1:23:37 PM
Fundamental Rating

4

Taking everything into account, LKFN scores 4 out of 10 in our fundamental rating. LKFN was compared to 393 industry peers in the Banks industry. LKFN has an average financial health and profitability rating. LKFN is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year LKFN was profitable.
LKFN had a positive operating cash flow in the past year.
Each year in the past 5 years LKFN has been profitable.
LKFN had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

LKFN has a Return On Assets of 1.35%. This is amongst the best in the industry. LKFN outperforms 86.01% of its industry peers.
LKFN has a better Return On Equity (13.24%) than 88.04% of its industry peers.
Industry RankSector Rank
ROA 1.35%
ROE 13.24%
ROIC N/A
ROA(3y)1.48%
ROA(5y)1.47%
ROE(3y)15.44%
ROE(5y)14.54%
ROIC(3y)N/A
ROIC(5y)N/A
LKFN Yearly ROA, ROE, ROICLKFN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 36.87%, LKFN belongs to the top of the industry, outperforming 93.38% of the companies in the same industry.
LKFN's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for LKFN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 36.87%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.12%
PM growth 5Y-3.35%
GM growth 3YN/A
GM growth 5YN/A
LKFN Yearly Profit, Operating, Gross MarginsLKFN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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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 increased compared to 1 year ago.
The number of shares outstanding for LKFN has been increased compared to 5 years ago.
LKFN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
LKFN Yearly Shares OutstandingLKFN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
LKFN Yearly Total Debt VS Total AssetsLKFN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

LKFN has a debt to FCF ratio of 0.05. This is a very positive value and a sign of high solvency as it would only need 0.05 years to pay back of all of its debts.
The Debt to FCF ratio of LKFN (0.05) is better than 88.80% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that LKFN is not too dependend on debt financing.
LKFN's Debt to Equity ratio of 0.01 is amongst the best of the industry. LKFN outperforms 86.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.05
Altman-Z N/A
ROIC/WACCN/A
WACC17.73%
LKFN Yearly LT Debt VS Equity VS FCFLKFN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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4

3. Growth

3.1 Past

The earnings per share for LKFN have decreased by -6.38% in the last year.
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 0.74%.
LKFN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.86% yearly.
EPS 1Y (TTM)-6.38%
EPS 3Y-0.99%
EPS 5Y1.44%
EPS Q2Q%19.54%
Revenue 1Y (TTM)0.74%
Revenue growth 3Y4.4%
Revenue growth 5Y4.86%
Sales Q2Q%-3.45%

3.2 Future

LKFN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.26% yearly.
The Revenue is expected to grow by 6.73% on average over the next years.
EPS Next Y10.13%
EPS Next 2Y8.26%
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

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 accelerating: in the next years the growth will be better than in the last years.
LKFN Yearly Revenue VS EstimatesLKFN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
LKFN Yearly EPS VS EstimatesLKFN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 18.47 indicates a rather expensive valuation of LKFN.
Based on the Price/Earnings ratio, LKFN is valued a bit more expensive than 76.59% of the companies in the same industry.
LKFN is valuated rather cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 15.93, LKFN is valued correctly.
Based on the Price/Forward Earnings ratio, LKFN is valued a bit more expensive than the industry average as 74.81% of the companies are valued more cheaply.
LKFN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.63.
Industry RankSector Rank
PE 18.47
Fwd PE 15.93
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 a bit more expensive when compared to the industry. LKFN is more expensive than 67.43% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.72
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates LKFN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.82
PEG (5Y)12.85
EPS Next 2Y8.26%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

LKFN has a Yearly Dividend Yield of 3.12%.
LKFN's Dividend Yield is comparable with the industry average which is at 3.30.
LKFN's Dividend Yield is a higher than the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 3.12%

5.2 History

The dividend of LKFN is nicely growing with an annual growth rate of 10.32%!
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)10.32%
Div Incr Years2
Div Non Decr Years2
LKFN Yearly Dividends per shareLKFN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

53.19% 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.
DP53.19%
EPS Next 2Y8.26%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
LKFN Dividend Payout.LKFN Dividend Payout, showing the Payout Ratio.LKFN Dividend Payout.PayoutRetained Earnings

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LAKELAND FINANCIAL CORP

NASDAQ:LKFN (8/26/2025, 1:23:37 PM)

67.78

+0.63 (+0.94%)

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 Owners87%
Inst Owner Change0.05%
Ins Owners2.84%
Ins Owner Change0.82%
Market Cap1.73B
Analysts76.36
Price Target71.6 (5.64%)
Short Float %8.84%
Short Ratio12.51
Dividend
Industry RankSector Rank
Dividend Yield 3.12%
Yearly Dividend1.92
Dividend Growth(5Y)10.32%
DP53.19%
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)-4.16%
Min EPS beat(2)-13.77%
Max EPS beat(2)5.44%
EPS beat(4)3
Avg EPS beat(4)-0.99%
Min EPS beat(4)-13.77%
Max EPS beat(4)5.44%
EPS beat(8)7
Avg EPS beat(8)4.28%
EPS beat(12)8
Avg EPS beat(12)-2.19%
EPS beat(16)9
Avg EPS beat(16)-1.89%
Revenue beat(2)0
Avg Revenue beat(2)-2.37%
Min Revenue beat(2)-2.92%
Max Revenue beat(2)-1.82%
Revenue beat(4)0
Avg Revenue beat(4)-2.04%
Min Revenue beat(4)-2.92%
Max Revenue beat(4)-1.21%
Revenue beat(8)2
Avg Revenue beat(8)0.46%
Revenue beat(12)2
Avg Revenue beat(12)-1.32%
Revenue beat(16)2
Avg Revenue beat(16)-1.85%
PT rev (1m)6.36%
PT rev (3m)12.14%
EPS NQ rev (1m)4.2%
EPS NQ rev (3m)11.12%
EPS NY rev (1m)4.12%
EPS NY rev (3m)4.12%
Revenue NQ rev (1m)1.1%
Revenue NQ rev (3m)4.86%
Revenue NY rev (1m)0.75%
Revenue NY rev (3m)0.75%
Valuation
Industry RankSector Rank
PE 18.47
Fwd PE 15.93
P/S 6.79
P/FCF 18.72
P/OCF 17.13
P/B 2.44
P/tB 2.45
EV/EBITDA N/A
EPS(TTM)3.67
EY5.41%
EPS(NY)4.25
Fwd EY6.28%
FCF(TTM)3.62
FCFY5.34%
OCF(TTM)3.96
OCFY5.84%
SpS9.99
BVpS27.81
TBVpS27.62
PEG (NY)1.82
PEG (5Y)12.85
Profitability
Industry RankSector Rank
ROA 1.35%
ROE 13.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.87%
GM N/A
FCFM 36.26%
ROA(3y)1.48%
ROA(5y)1.47%
ROE(3y)15.44%
ROE(5y)14.54%
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-5.12%
PM growth 5Y-3.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.05
Debt/EBITDA N/A
Cap/Depr 145.5%
Cap/Sales 3.36%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC17.73%
ROIC/WACCN/A
Cap/Depr(3y)107.38%
Cap/Depr(5y)103.75%
Cap/Sales(3y)2.6%
Cap/Sales(5y)2.66%
Profit Quality(3y)124.59%
Profit Quality(5y)116.58%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.38%
EPS 3Y-0.99%
EPS 5Y1.44%
EPS Q2Q%19.54%
EPS Next Y10.13%
EPS Next 2Y8.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.74%
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-14.97%
FCF growth 3Y-4.62%
FCF growth 5Y0.3%
OCF growth 1Y-12.17%
OCF growth 3Y-3.58%
OCF growth 5Y0.4%