LKFN Fundamental Analysis - LAKELAND FINANCIAL CORP

Fundamental Rating

Taking everything into account, LKFN scores 4 out of 10 in our fundamental rating. LKFN was compared to 504 industry peers in the Banks industry. LKFN has an average financial health and profitability rating. 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.

In the past 5 years LKFN has always been profitable.

In the past 5 years LKFN always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.32%, LKFN belongs to the top of the industry, outperforming 84.34% of the companies in the same industry.

LKFN has a Return On Equity of 12.98%. This is amongst the best in the industry. LKFN outperforms 86.87% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.32%
ROE	12.98%
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

LKFN's Profit Margin of 35.04% is amongst the best of the industry. LKFN outperforms 92.17% of its industry peers.

LKFN's Profit Margin has declined in the last couple of years.

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)	35.04%
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.

LKFN has more shares outstanding than it did 1 year ago.

LKFN has more shares outstanding than it did 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

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

WACC19.91%

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

The earnings per share for LKFN have decreased by -3.31% in the last year.

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

The Revenue has been growing slightly by 5.30% in the past year.

LKFN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.86% yearly.

EPS 1Y (TTM)-3.31%

EPS 3Y-0.99%

EPS 5Y1.44%

EPS Q2Q%-14.29%

Revenue 1Y (TTM)5.3%

Revenue growth 3Y4.4%

Revenue growth 5Y4.86%

Sales Q2Q%6.29%

3.2 Future

LKFN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.56% yearly.

LKFN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.00% yearly.

EPS Next Y5.77%

EPS Next 2Y6.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year7.71%

Revenue Next 2Y6%

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 accelerating: in the next years the growth will be better 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 16.91.

LKFN's Price/Earnings ratio is a bit more expensive when compared to the industry. LKFN is more expensive than 76.26% of the companies in the same industry.

LKFN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.31.

Based on the Price/Forward Earnings ratio of 14.36, 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 73.74% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.06, LKFN is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	16.91
Fwd PE	14.36

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 67.17% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	15.48
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)2.93

PEG (5Y)11.77

EPS Next 2Y6.56%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

LKFN has a Yearly Dividend Yield of 3.33%.

LKFN's Dividend Yield is comparable with the industry average which is at 2.38.

LKFN's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	3.33%

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.

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 55.28% 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.

DP55.28%

EPS Next 2Y6.56%

EPS Next 3YN/A

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LAKELAND FINANCIAL CORP

NASDAQ:LKFN (6/5/2025, 8:00:02 PM)

After market: 59.2 0 (0%)

59.2

-0.1 (-0.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-25 2025-04-25/bmo

Earnings (Next)07-25 2025-07-25/bmo

Inst Owners87.13%

Inst Owner Change-1.09%

Ins Owners3.27%

Ins Owner Change5.51%

Market Cap1.51B

Analysts74.55

Price Target63.85 (7.85%)

Short Float %8.98%

Short Ratio10.53

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.33%

Yearly Dividend1.94

Dividend Growth(5Y)10.47%

DP55.28%

Div Incr Years2

Div Non Decr Years2

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

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-5.4%

Min EPS beat(2)-13.77%

Max EPS beat(2)2.97%

EPS beat(4)3

Avg EPS beat(4)-2.34%

Min EPS beat(4)-13.77%

Max EPS beat(4)2.97%

EPS beat(8)6

Avg EPS beat(8)-1.23%

EPS beat(12)8

Avg EPS beat(12)-2.42%

EPS beat(16)9

Avg EPS beat(16)-1.52%

Revenue beat(2)0

Avg Revenue beat(2)-1.52%

Min Revenue beat(2)-1.82%

Max Revenue beat(2)-1.21%

Revenue beat(4)1

Avg Revenue beat(4)1.45%

Min Revenue beat(4)-2.19%

Max Revenue beat(4)11.01%

Revenue beat(8)2

Avg Revenue beat(8)0.1%

Revenue beat(12)2

Avg Revenue beat(12)-1.27%

Revenue beat(16)2

Avg Revenue beat(16)-1.79%

PT rev (1m)-8.21%

PT rev (3m)-13.66%

EPS NQ rev (1m)0%

EPS NQ rev (3m)5.63%

EPS NY rev (1m)-0.01%

EPS NY rev (3m)1.93%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)4.22%

Revenue NY rev (1m)2.53%

Revenue NY rev (3m)3.56%

Valuation

		Industry Rank	Sector Rank
PE	16.91
Fwd PE	14.36
P/S	5.88
P/FCF	15.48
P/OCF	14.19
P/B	2.18
P/tB	2.19
EV/EBITDA	N/A

EPS(TTM)3.5

EY5.91%

EPS(NY)4.12

Fwd EY6.96%

FCF(TTM)3.82

FCFY6.46%

OCF(TTM)4.17

OCFY7.05%

SpS10.07

BVpS27.17

TBVpS26.97

PEG (NY)2.93

PEG (5Y)11.77

Profitability

		Industry Rank	Sector Rank
ROA	1.32%
ROE	12.98%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	35.04%
GM	N/A
FCFM	37.99%

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	150.56%
Cap/Sales	3.45%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	108.4%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC19.91%

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)-3.31%

EPS 3Y-0.99%

EPS 5Y1.44%

EPS Q2Q%-14.29%

EPS Next Y5.77%

EPS Next 2Y6.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.3%

Revenue growth 3Y4.4%

Revenue growth 5Y4.86%

Sales Q2Q%6.29%

Revenue Next Year7.71%

Revenue Next 2Y6%

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-31.7%

FCF growth 3Y-4.45%

FCF growth 5Y0.4%

OCF growth 1Y-28.45%

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

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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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