LAKELAND FINANCIAL CORP (LKFN) Stock Fundamental Analysis
USA - NASDAQ:LKFN - US5116561003 - Common Stock
57.44 USD
-0.15 (-0.26%)
57.44 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to LKFN. LKFN was compared to 390 industry peers in the Banks industry. LKFN has only an average score on both its financial health and profitability. LKFN is quite expensive at the moment. It does show a decent growth rate.
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.
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
With an excellent Return On Assets value of 1.42%, LKFN belongs to the best of the industry, outperforming 86.92% of the companies in the same industry.
LKFN's Return On Equity of 13.06% is amongst the best of the industry. LKFN outperforms 87.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.42% | ||
| ROE | 13.06% | ||
| 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 37.16%, LKFN belongs to the top of the industry, outperforming 93.85% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 37.16% | ||
| 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
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
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
LKFN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.56%.
Measured over the past 5 years, LKFN shows a small growth in Earnings Per Share. The EPS has been growing by 1.44% on average per year.
Looking at the last year, LKFN shows a small growth in Revenue. The Revenue has grown by 3.04% in the last year.
The Revenue has been growing slightly by 4.86% on average over the past years.
EPS 1Y (TTM)-1.56%
EPS 3Y-0.99%
EPS 5Y1.44%
EPS Q2Q%13.19%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y4.4%
Revenue growth 5Y4.86%
Sales Q2Q%4.86%
3.2 Future
LKFN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.32% yearly.
Based on estimates for the next years, LKFN will show a small growth in Revenue. The Revenue will grow by 6.01% on average per year.
EPS Next Y9.68%
EPS Next 2Y8.24%
EPS Next 3Y7.32%
EPS Next 5YN/A
Revenue Next Year8.79%
Revenue Next 2Y6.54%
Revenue Next 3Y6.01%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 15.16 indicates a correct valuation of LKFN.
LKFN's Price/Earnings ratio is a bit more expensive when compared to the industry. LKFN is more expensive than 71.28% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.03, LKFN is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 13.51, the valuation of LKFN can be described as correct.
LKFN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. LKFN is more expensive than 71.79% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of LKFN to the average of the S&P500 Index (22.27), we can say LKFN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.16 | ||
| Fwd PE | 13.51 |
4.2 Price Multiples
LKFN's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.48 | ||
| EV/EBITDA | N/A |
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)1.57
PEG (5Y)10.54
EPS Next 2Y8.24%
EPS Next 3Y7.32%
5. Dividend
5.1 Amount
LKFN has a Yearly Dividend Yield of 3.51%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.42, LKFN pays a bit more dividend than its industry peers.
LKFN's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
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
5.3 Sustainability
LKFN pays out 52.10% of its income as dividend. 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 2Y8.24%
EPS Next 3Y7.32%
57.44
-0.15 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.12%
Inst Owner Change-1.59%
Ins Owners2.82%
Ins Owner Change0.49%
Market Cap1.47B
Revenue(TTM)262.76M
Net Income(TTM)97.64M
Analysts76.36
Price Target69.77 (21.47%)
Short Float %8.7%
Short Ratio18.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
Yearly Dividend1.94
Dividend Growth(5Y)10.47%
DP52.1%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)-3.12%
PT rev (3m)3.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)4.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.16 | ||
| Fwd PE | 13.51 | ||
| P/S | 5.58 | ||
| P/FCF | 13.48 | ||
| P/OCF | 12.26 | ||
| P/B | 1.96 | ||
| P/tB | 1.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.79
EY6.6%
EPS(NY)4.25
Fwd EY7.4%
FCF(TTM)4.26
FCFY7.42%
OCF(TTM)4.69
OCFY8.16%
SpS10.29
BVpS29.28
TBVpS29.08
PEG (NY)1.57
PEG (5Y)10.54
Graham Number49.97
Profitability
| Industry Rank | Sector 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)1.48%
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
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-4.96%
PM growth 5Y-3.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC19.1%
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)-1.56%
EPS 3Y-0.99%
EPS 5Y1.44%
EPS Q2Q%13.19%
EPS Next Y9.68%
EPS Next 2Y8.24%
EPS Next 3Y7.32%
EPS Next 5YN/A
Revenue 1Y (TTM)3.04%
Revenue growth 3Y4.4%
Revenue growth 5Y4.86%
Sales Q2Q%4.86%
Revenue Next Year8.79%
Revenue Next 2Y6.54%
Revenue Next 3Y6.01%
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-6.09%
FCF growth 3Y-4.45%
FCF growth 5Y0.4%
OCF growth 1Y-1.85%
OCF growth 3Y-3.43%
OCF growth 5Y0.49%
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 of LAKELAND FINANCIAL CORP (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 4 / 10.
Can you provide the PE and PB ratios for LKFN stock?
The Price/Earnings (PE) ratio for LAKELAND FINANCIAL CORP (LKFN) is 15.16 and the Price/Book (PB) ratio is 1.96.
Can you provide the dividend sustainability for LKFN stock?
The dividend rating of LAKELAND FINANCIAL CORP (LKFN) is 5 / 10 and the dividend payout ratio is 52.1%.