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LKFN vs STBA

LKFN
Lakeland Financial Corporation
NEUTRAL
Price
$60.88
Market Cap
$1.59B
Sector
Financial Services
AI Confidence
85%
STBA
S&T Bancorp, Inc.
NEUTRAL
Price
$44.15
Market Cap
$1.62B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
LKFN
15.18
STBA
12.65
Forward P/E
LKFN
13.39
STBA
11.61
P/B Ratio
LKFN
2.01
STBA
1.13
P/S Ratio
LKFN
6.17
STBA
4.1
EV/EBITDA
LKFN
--
STBA
--

Profitability

Gross Margin
LKFN
0.0%
STBA
0.0%
Operating Margin
LKFN
53.29%
STBA
43.66%
Profit Margin
LKFN
40.19%
STBA
34.01%
ROE
LKFN
14.29%
STBA
9.44%
ROA
LKFN
1.51%
STBA
1.38%

Growth

Revenue Growth
LKFN
14.6%
STBA
2.9%
Earnings Growth
LKFN
23.4%
STBA
4.0%

Financial Health

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

Dividends

Dividend Yield
LKFN
3.42%
STBA
3.26%
Payout Ratio
LKFN
49.88%
STBA
39.54%

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
STBA NEUTRAL

STBA presents a classic value trap profile: it is fundamentally undervalued relative to its Graham Number ($55.44) and Intrinsic Value ($45.37), yet it suffers from a weak Piotroski F-Score of 3/9, indicating deteriorating financial health. While the company maintains a consistent track record of earnings beats and a sustainable dividend, the sluggish growth rates and a heavily bearish technical trend (10/100) offset the valuation appeal. The stock is currently trading at a discount, but the underlying health metrics suggest caution.

Strengths
Trading below Graham Number ($55.44) and Intrinsic Value ($45.37)
Strong earnings track record with 3/4 recent beats and consistent historical surprises
Sustainable dividend profile with a 39.54% payout ratio
Risks
Weak Piotroski F-Score (3/9) signaling poor fundamental health
Very bearish technical trend (10/100) despite recent price appreciation
Sluggish year-over-year revenue growth (2.90%) and earnings growth (4.00%)

Compare Another Pair

LKFN vs STBA: Head-to-Head Comparison

This page compares Lakeland Financial Corporation (LKFN) and S&T Bancorp, Inc. (STBA) 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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