LAKELAND FINANCIAL CORP(NASDAQ:LKFN) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, LKFN scores 4 out of 10 in our fundamental rating. LKFN was compared to 398 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.

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1. Profitability

1.1 Basic Checks

In the past year LKFN was profitable.

LKFN had a positive operating cash flow in the past year.

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

LKFN has a better Return On Assets (1.40%) than 88.19% of its industry peers.

LKFN's Return On Equity of 13.67% is amongst the best of the industry. LKFN outperforms 88.94% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.4%
ROE	13.67%
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 36.87%, LKFN belongs to the top of the industry, outperforming 93.47% of the companies in the same industry.

In the last couple of years the Profit Margin of LKFN has declined.

LKFN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	36.87%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

LKFN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

WACC19.8%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

LKFN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.55%.

The Earnings Per Share has been growing slightly by 1.44% on average over the past years.

The Revenue has been growing slightly by 3.00% in the past year.

The Revenue has been growing slightly by 4.86% on average over the past years.

EPS 1Y (TTM)-0.55%

EPS 3Y-0.99%

EPS 5Y1.44%

EPS Q2Q%-18.97%

Revenue 1Y (TTM)3%

Revenue growth 3Y4.4%

Revenue growth 5Y4.86%

Sales Q2Q%-3.4%

3.2 Future

The Earnings Per Share is expected to grow by 5.31% on average over the next years.

Based on estimates for the next years, LKFN will show a small growth in Revenue. The Revenue will grow by 4.92% on average per year.

EPS Next Y5.77%

EPS Next 2Y5.31%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.06%

Revenue Next 2Y4.92%

Revenue Next 3YN/A

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.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

LKFN is valuated correctly with a Price/Earnings ratio of 14.74.

Based on the Price/Earnings ratio, LKFN is valued a bit more expensive than 68.84% of the companies in the same industry.

LKFN is valuated rather cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 13.93, LKFN is valued correctly.

70.10% of the companies in the same industry are cheaper than LKFN, based on the Price/Forward Earnings ratio.

LKFN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.38.

		Industry Rank	Sector Rank
PE	14.74
Fwd PE	13.93

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of LKFN indicates a slightly more expensive valuation: LKFN is more expensive than 63.07% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	14.83
EV/EBITDA	N/A

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)2.55

PEG (5Y)10.25

EPS Next 2Y5.31%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.66%, LKFN has a reasonable but not impressive dividend return.

In the last 3 months the price of LKFN has falen by -22.71%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.

LKFN's Dividend Yield is a higher than the industry average which is at 3.54.

LKFN's Dividend Yield is a higher than the S&P500 average which is at 2.47.

		Industry Rank	Sector Rank
Dividend Yield	3.66%

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 52.73% 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.

DP52.73%

EPS Next 2Y5.31%

EPS Next 3YN/A

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LAKELAND FINANCIAL CORP

NASDAQ:LKFN (4/25/2025, 8:20:30 PM)

After market: 53.5 0 (0%)

53.5

-1.09 (-2%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/bmo

Earnings (Next)07-23 2025-07-23/bmo

Inst Owners87.13%

Inst Owner Change-49%

Ins Owners3.27%

Ins Owner Change2.85%

Market Cap1.39B

Analysts74.55

Price Target69.56 (30.02%)

Short Float %8.92%

Short Ratio11.2

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.66%

Yearly Dividend1.94

Dividend Growth(5Y)10.47%

DP52.73%

Div Incr Years2

Div Non Decr Years2

Ex-Date04-25 2025-04-25 (0.5)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)2.18%

Min EPS beat(2)1.38%

Max EPS beat(2)2.97%

EPS beat(4)4

Avg EPS beat(4)2.07%

Min EPS beat(4)0.05%

Max EPS beat(4)3.89%

EPS beat(8)6

Avg EPS beat(8)-1.43%

EPS beat(12)8

Avg EPS beat(12)-1.51%

EPS beat(16)9

Avg EPS beat(16)-0.66%

Revenue beat(2)0

Avg Revenue beat(2)-1.7%

Min Revenue beat(2)-2.19%

Max Revenue beat(2)-1.21%

Revenue beat(4)1

Avg Revenue beat(4)1.36%

Min Revenue beat(4)-2.19%

Max Revenue beat(4)11.01%

Revenue beat(8)2

Avg Revenue beat(8)-0.95%

Revenue beat(12)2

Avg Revenue beat(12)-1.41%

Revenue beat(16)2

Avg Revenue beat(16)-1.84%

PT rev (1m)-5.93%

PT rev (3m)-4.28%

EPS NQ rev (1m)0.45%

EPS NQ rev (3m)3.88%

EPS NY rev (1m)0.8%

EPS NY rev (3m)5.71%

Revenue NQ rev (1m)0.28%

Revenue NQ rev (3m)2.87%

Revenue NY rev (1m)1.01%

Revenue NY rev (3m)2.76%

Valuation

		Industry Rank	Sector Rank
PE	14.74
Fwd PE	13.93
P/S	5.49
P/FCF	14.83
P/OCF	13.58
P/B	2.04
P/tB	2.05
EV/EBITDA	N/A

EPS(TTM)3.63

EY6.79%

EPS(NY)3.84

Fwd EY7.18%

FCF(TTM)3.61

FCFY6.74%

OCF(TTM)3.94

OCFY7.36%

SpS9.74

BVpS26.28

TBVpS26.09

PEG (NY)2.55

PEG (5Y)10.25

Profitability

		Industry Rank	Sector Rank
ROA	1.4%
ROE	13.67%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	36.87%
GM	N/A
FCFM	37.02%

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

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-4.96%

PM growth 5Y-3.25%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	145.04%
Cap/Sales	3.41%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	100.4%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC19.8%

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)-0.55%

EPS 3Y-0.99%

EPS 5Y1.44%

EPS Q2Q%-18.97%

EPS Next Y5.77%

EPS Next 2Y5.31%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3%

Revenue growth 3Y4.4%

Revenue growth 5Y4.86%

Sales Q2Q%-3.4%

Revenue Next Year5.06%

Revenue Next 2Y4.92%

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-13.09%

FCF growth 3Y-4.45%

FCF growth 5Y0.4%

OCF growth 1Y-10.09%

OCF growth 3Y-3.43%

OCF growth 5Y0.49%

LAKELAND FINANCIAL CORP (LKFN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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