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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 Framework: Banks & Lenders Small Cap
Lakeland Financial Corporation (LKFN), is a Small Cap company, in the Banks - Regional industry, last closed at $61.84, about 48.7% overvalued vs fair value, +7.7% 1Y return, ranked 371/1078 in sector.
Metrics P/E 14.2× Rev Growth 6.1% ROE 14.3% Gross Margin 95.6% Div Yield 3.53%
USD 61.84
2.91%
(Delayed)
• Vol 90d: 22.1%
52-Week Range
Market Cap
$1.53B
Enterprise Value
$1.40B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 100%
Confidence: 98%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Jan 25 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$32
$59
Current: $61.84 -49% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$373.7M
0.2%%
Interest Expense
$152.7M
Net Interest Income
$221.0M
12.4%%
Total Revenue
$269.0M
6.1%%
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
13.6%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$71.8M
69.5% 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
78
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.89).
  • Strong Capital Position Capital position is strong (score 0.65), exceeding regulatory minimums.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
87
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing LKFN's balance between Growth (30.0%), Profitability (41.1%), and Safety (28.9%). Growth 30% Safety 29% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

53th percentile vs peers
53
Key Signals
NII Growth YoY 12.4% 58p Asset Growth YoY 4.7% 52p Equity Growth YoY 11.5% 60p EPS Growth YoY 10.4% 37p
Strengths
  • ROE in top 20% of peers (14.3%, 84th percentile)
  • ROA in top 20% of peers (1.5%, 82th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

73th percentile vs peers
73
Key Signals
Strengths
Risks
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Safety

51th percentile vs peers
51
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Lakeland Financial Corporation.

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$31.73
- - -
-48.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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