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JPM vs LKFN

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
LKFN
Lakeland Financial Corporation
NEUTRAL
Price
$60.88
Market Cap
$1.59B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
LKFN
15.18
Forward P/E
JPM
13.42
LKFN
13.39
P/B Ratio
JPM
2.47
LKFN
2.01
P/S Ratio
JPM
5.03
LKFN
6.17
EV/EBITDA
JPM
--
LKFN
--

Profitability

Gross Margin
JPM
0.0%
LKFN
0.0%
Operating Margin
JPM
41.06%
LKFN
53.29%
Profit Margin
JPM
33.91%
LKFN
40.19%
ROE
JPM
16.13%
LKFN
14.29%
ROA
JPM
1.35%
LKFN
1.51%

Growth

Revenue Growth
JPM
2.5%
LKFN
14.6%
Earnings Growth
JPM
-3.6%
LKFN
23.4%

Financial Health

Debt/Equity
JPM
--
LKFN
--
Current Ratio
JPM
--
LKFN
--
Quick Ratio
JPM
--
LKFN
--

Dividends

Dividend Yield
JPM
1.91%
LKFN
3.42%
Payout Ratio
JPM
28.97%
LKFN
49.88%

AI Verdict

JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)
LKFN NEUTRAL

LKFN presents a dichotomy between strong fundamental growth and concerning internal sentiment. The company maintains a stable health profile with a Piotroski F-Score of 4/9 and exhibits impressive earnings growth of 23.4% YoY. While the current price of $60.88 sits comfortably between the Graham Number ($52.23) and the growth-based Intrinsic Value ($118.29), the outlook is dampened by a bearish technical trend and significant insider selling by the CEO and CFO. Consequently, the stock is a fundamental hold with a valuation that is fair but lacks a near-term catalyst.

Strengths
Strong earnings growth (23.4% YoY) and revenue growth (14.6% YoY)
Healthy profitability with an ROE of 14.29% and ROA of 1.51%
Sustainable dividend profile with a 49.88% payout ratio
Risks
Aggressive insider selling, including the CEO and CFO
Bearish technical trend (0/100 score)
Mediocre Piotroski F-Score (4/9) indicating only stable, not strong, financial health

Compare Another Pair

JPM vs LKFN: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Lakeland Financial Corporation (LKFN) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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