LAKELAND FINANCIAL CORP (LKFN) Stock Fundamental Analysis

NASDAQ:LKFN • US5116561003

58.32 USD
-0.35 (-0.6%)
At close: Mar 3, 2026
58.32 USD
0 (0%)
After Hours: 3/3/2026, 4:31:34 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to LKFN. LKFN was compared to 379 industry peers in the Banks industry. LKFN has only an average score on both its financial health and profitability. While showing a medium growth rate, LKFN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • LKFN had positive earnings in the past year.
  • In the past year LKFN had a positive cash flow from operations.
  • LKFN had positive earnings in each of the past 5 years.
  • 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

  • The Return On Assets of LKFN (1.42%) is better than 86.28% of its industry peers.
  • LKFN has a better Return On Equity (13.06%) than 86.28% 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

  • The Profit Margin of LKFN (37.16%) is better than 92.88% of its industry peers.
  • In the last couple of years the Profit Margin of LKFN has remained more or less at the same level.
  • 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) 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.
  • Compared to 1 year ago, LKFN has less shares outstanding
  • 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

  • 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
WACC18.99%
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

  • The Earnings Per Share has grown by an nice 10.47% over the past year.
  • LKFN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.97% yearly.
  • 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

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

2

4. Valuation

4.1 Price/Earnings Ratio

  • LKFN is valuated correctly with a Price/Earnings ratio of 14.54.
  • Compared to the rest of the industry, the Price/Earnings ratio of LKFN indicates a slightly more expensive valuation: LKFN is more expensive than 69.39% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.83. LKFN is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 13.27, the valuation of LKFN can be described as correct.
  • Based on the Price/Forward Earnings ratio, LKFN is valued a bit more expensive than the industry average as 70.45% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of LKFN to the average of the S&P500 Index (24.95), we can say LKFN is valued slightly cheaper.
Industry RankSector Rank
PE 14.54
Fwd PE 13.27
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.53
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)1.51
PEG (5Y)3.66
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

  • LKFN has a Yearly Dividend Yield of 3.46%. Purely for dividend investing, there may be better candidates out there.
  • LKFN's Dividend Yield is a higher than the industry average which is at 2.72.
  • Compared to an average S&P500 Dividend Yield of 1.82, LKFN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.46%

5.2 History

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

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Find the best dividend stocksShow peers with best dividend

LAKELAND FINANCIAL CORP

NASDAQ:LKFN (3/3/2026, 4:31:34 PM)

After market: 58.32 0 (0%)

58.32

-0.35 (-0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-23
Inst Owners86.42%
Inst Owner Change-2.17%
Ins Owners2.81%
Ins Owner Change3.1%
Market Cap1.47B
Revenue(TTM)268.99M
Net Income(TTM)97.64M
Analysts76
Price Target67.73 (16.14%)
Short Float %8.15%
Short Ratio10.99
Dividend
Industry RankSector Rank
Dividend Yield 3.46%
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)-0.6%
PT rev (3m)-0.6%
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 14.54
Fwd PE 13.27
P/S 5.6
P/FCF 13.53
P/OCF 12.29
P/B 1.97
P/tB 1.98
EV/EBITDA N/A
EPS(TTM)4.01
EY6.88%
EPS(NY)4.4
Fwd EY7.54%
FCF(TTM)4.31
FCFY7.39%
OCF(TTM)4.74
OCFY8.13%
SpS10.42
BVpS29.64
TBVpS29.44
PEG (NY)1.51
PEG (5Y)3.66
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
WACC18.99%
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 14.54 and the Price/Book (PB) ratio is 1.97.


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%.