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Company Analysis

Lakeland Financial Corporation LKFN

A comprehensive view of key metrics, scores, and financial health for Lakeland Financial Corporation

Overview of Lakeland Financial Corporation

LKFN NMS
Financial Services Banks - Regional Small Cap
Lakeland Financial Corporation (LKFN), is a Small Cap company, in the Banks - Regional industry, last closed at $56.70, about 47.1% overvalued vs fair value, -8.8% 1Y return, placing in the top 25% of its sector.
$56.70
0.21%
As of March 13, 2026
Previous close • Vol 90d: 24.3%
52-Week Range
Market Cap
$1.45B
Enterprise Value
$1.58B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.lakecitybank.com
HQ Warsaw, IN
Employees 655
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$17
$30
$56
Current: $56.70 -47% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$373.2M
8.7%%
Interest Expense
$152.7M
Net Interest Income
$196.7M
-0.2%%
Total Revenue
$421.7M
66.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$49.9M
53.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Lakeland Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
81
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing LKFN's balance between Growth (25.2%), Profitability (36.3%), and Safety (38.5%). Growth 25% Safety 38% Profitability 36%

Click axes to expand details. Marker shows current allocation.

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Growth

56th percentile vs peers
57
Key Signals
Rev Growth YoY 66.3% 59p Asset Growth YoY 4.7% 55p Revenue CAGR 3Y 19.9% 54p
Strengths
  • Roe in top 20% of peers (14.0%, 87th percentile)
  • Roa in top 20% of peers (1.4%, 86th percentile)
  • Roe in top 20% of peers (14.0%, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

82th percentile vs peers
82
Key Signals
Strengths
Risks
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Safety

86th percentile vs peers
87
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Lakeland Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$30.02
- - -
-47.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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