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LKFN vs MA

LKFN
Lakeland Financial Corporation
NEUTRAL
Price
$60.88
Market Cap
$1.59B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
LKFN
15.18
MA
30.28
Forward P/E
LKFN
13.39
MA
22.05
P/B Ratio
LKFN
2.01
MA
57.74
P/S Ratio
LKFN
6.17
MA
13.6
EV/EBITDA
LKFN
--
MA
22.13

Profitability

Gross Margin
LKFN
0.0%
MA
100.0%
Operating Margin
LKFN
53.29%
MA
57.73%
Profit Margin
LKFN
40.19%
MA
45.65%
ROE
LKFN
14.29%
MA
209.91%
ROA
LKFN
1.51%
MA
23.72%

Growth

Revenue Growth
LKFN
14.6%
MA
17.6%
Earnings Growth
LKFN
23.4%
MA
24.2%

Financial Health

Debt/Equity
LKFN
--
MA
2.56
Current Ratio
LKFN
--
MA
1.03
Quick Ratio
LKFN
--
MA
0.68

Dividends

Dividend Yield
LKFN
3.42%
MA
0.7%
Payout Ratio
LKFN
49.88%
MA
18.4%

AI Verdict

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
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

LKFN vs MA: Head-to-Head Comparison

This page compares Lakeland Financial Corporation (LKFN) and Mastercard Incorporated (MA) 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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