57.57 USD
+1.69 (+3.02%)
57.57 USD
0 (0%)
Overall LKFN gets a fundamental rating of 4 out of 10. We evaluated LKFN against 387 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.
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.
In the past 5 years LKFN has always been profitable.
Each year in the past 5 years LKFN had a positive operating cash flow.
1.2 Ratios
The Return On Assets of LKFN (1.42%) is better than 86.30% of its industry peers.
Looking at the Return On Equity, with a value of 13.06%, LKFN belongs to the top of the industry, outperforming 87.34% of the companies in the same industry.
| 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 93.28% of the companies in the same industry.
In the last couple of years the Profit Margin of LKFN has declined.
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.
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.
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
LKFN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for LKFN have decreased by -1.56% in the last year.
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
Based on estimates for the next years, LKFN will show a small growth in Earnings Per Share. The EPS will grow by 7.32% on average per year.
The Revenue is expected to grow by 6.01% on average over the next years.
EPS Next Y9.68%
EPS Next 2Y8.24%
EPS Next 3Y7.32%
EPS Next 5YN/A
Revenue Next Year8.77%
Revenue Next 2Y6.35%
Revenue Next 3Y6.01%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 15.19, LKFN is valued correctly.
LKFN's Price/Earnings ratio is a bit more expensive when compared to the industry. LKFN is more expensive than 66.41% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.00, LKFN is valued a bit cheaper.
A Price/Forward Earnings ratio of 13.54 indicates a correct valuation of LKFN.
70.03% of the companies in the same industry are cheaper than LKFN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.70. LKFN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.19 | ||
| Fwd PE | 13.54 |
4.2 Price Multiples
LKFN's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.52 | ||
| EV/EBITDA | N/A |
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)1.57
PEG (5Y)10.57
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 2.78, LKFN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, LKFN pays a better dividend.
| 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 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
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.
LKFN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP52.1%
EPS Next 2Y8.24%
EPS Next 3Y7.32%
57.57
+1.69 (+3.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners86.42%
Inst Owner Change0%
Ins Owners2.81%
Ins Owner Change-0.45%
Market Cap1.47B
Revenue(TTM)262.76M
Net Income(TTM)97.64M
Analysts76.36
Price Target68.14 (18.36%)
Short Float %8.61%
Short Ratio14.14
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-DateN/A
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%
PT rev (3m)-5.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.02%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.19 | ||
| Fwd PE | 13.54 | ||
| P/S | 5.59 | ||
| P/FCF | 13.52 | ||
| P/OCF | 12.28 | ||
| P/B | 1.97 | ||
| P/tB | 1.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.79
EY6.58%
EPS(NY)4.25
Fwd EY7.39%
FCF(TTM)4.26
FCFY7.4%
OCF(TTM)4.69
OCFY8.14%
SpS10.29
BVpS29.28
TBVpS29.08
PEG (NY)1.57
PEG (5Y)10.57
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
WACC19.14%
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 Year8.77%
Revenue Next 2Y6.35%
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 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 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 15.19 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%.