LKFN
NEUTRAL
$60.88
Live
Lakeland Financial Corporation · NASDAQ
Target $64.0
(+5.1%)
$50.0
52W Range
$69.4
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 13, 2026
Market cap
$1.59B
P/E
15.18
ROE
14.3%
Profit margin
40.2%
Debt/Equity
N/A
Dividend yield
3.42%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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
Reasonable valuation with a Forward P/E of 13.39
Consistent quarterly earnings track record over 25 quarters
Key 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
Price is currently trading at a premium to the Graham Number ($52.23)
Regional bank sector exposure to interest rate volatility
AI Fair Value Estimate
Based on comprehensive analysis
$78.5
+28.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
70
Strong
70
82
75
50
72
AI Verdict
Fundamental strength offset by internal bearishness
Key drivers: Earnings Growth, Insider Selling, Valuation Gap, Piotroski Stability
Confidence
90%
Value
70/100
P/E 15.18, Graham Number $52.23, Intrinsic Value $118.29
Positives
- P/E ratio is lower than sector average
- Trading well below growth-based intrinsic value
Watchpoints
- Trading above the defensive Graham Number
Future
82/100
Revenue Growth 14.6%, Earnings Growth 23.4%
Positives
- Double-digit YoY revenue and earnings growth
- Positive Q/Q earnings momentum (+23.6%)
Watchpoints
- Technical trend is currently bearish
Past
75/100
25 quarters of earnings data analyzed
Positives
- Long-term earnings progression is generally positive
- 1Y price change of +20.1%
Watchpoints
- Occasional significant earnings misses (e.g., 2023-07)
Health
50/100
Piotroski F-Score: 4/9
Positives
- Stable Piotroski score
Watchpoints
- F-Score of 4/9 is not in the 'Strong' category
- Lack of Altman Z-Score data for definitive distress analysis
Dividend
72/100
Yield 3.42%, Payout 49.88%
Positives
- Moderate yield of 3.42%
- Very safe payout ratio under 50%
Watchpoints
- No 5-year average yield provided for trend analysis
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$60.88
Analyst Target
$64.0
Upside/Downside
+5.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for LKFN and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
LKFN
Lakeland Financial Corporation
Primary
|
+1.1% | +12.2% | +20.1% | +1.4% | +7.3% | +4.8% |
|
BSTZ
BlackRock Science and Technology Term Trust
Peer
|
+4.5% | +76.4% | +17.1% | +13.7% | -0.8% | -0.1% |
|
BMEZ
BlackRock Health Sciences Term Trust
Peer
|
-15.2% | +31.8% | +7.0% | +16.6% | +2.9% | +1.9% |
|
HOPE
Hope Bancorp, Inc.
Peer
|
+0.4% | +48.0% | +40.8% | +19.7% | +13.7% | +5.3% |
|
BFC
Bank First Corporation
Peer
|
+120.4% | +89.8% | +41.8% | +9.5% | +7.0% | +6.0% |
LKF
Lakeland Financial Corporation
Primary
5Y
+1.1%
3Y
+12.2%
1Y
+20.1%
6M
+1.4%
1M
+7.3%
1W
+4.8%
BST
BlackRock Science and Technology Term Trust
Peer
5Y
+4.5%
3Y
+76.4%
1Y
+17.1%
6M
+13.7%
1M
-0.8%
1W
-0.1%
BME
BlackRock Health Sciences Term Trust
Peer
5Y
-15.2%
3Y
+31.8%
1Y
+7.0%
6M
+16.6%
1M
+2.9%
1W
+1.9%
HOP
Hope Bancorp, Inc.
Peer
5Y
+0.4%
3Y
+48.0%
1Y
+40.8%
6M
+19.7%
1M
+13.7%
1W
+5.3%
BFC
Bank First Corporation
Peer
5Y
+120.4%
3Y
+89.8%
1Y
+41.8%
6M
+9.5%
1M
+7.0%
1W
+6.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
15.18
Forward P/E
13.39
PEG Ratio
N/A
P/B Ratio
2.01
P/S Ratio
6.17
EV/Revenue
6.23
EV/EBITDA
N/A
Market Cap
$1.59B
Profitability
Profit margins and return metrics
Profit Margin
40.19%
Operating Margin
53.29%
Gross Margin
N/A
ROE
14.29%
ROA
1.51%
Growth
Revenue and earnings growth rates
Revenue Growth
+14.6%
Earnings Growth
+23.4%
Q/Q Revenue Growth
+9.79%
Q/Q Earnings Growth
+23.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$5.59
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
42.8%
Total Assets
$7.0B
Liabilities
$6.2B
Equity
$0.8B
Debt/Equity
8.17x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
93%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-27
$N/A
2026-01-26
$1.16
+9.8% surprise
2025-10-27
$1.03
-1.1% surprise
2025-07-25
$1.04
+7.7% surprise
Financial Services Sector Comparison
Comparing LKFN against 377 companies in the Financial Services sector
(65 bullish, 163 neutral, 149 bearish)
P/E Ratio
15.18
This Stock
vs
50.76
Sector Avg
-70.1%
(Discount)
Return on Equity (ROE)
14.29%
This Stock
vs
-0.32%
Sector Avg
-4617.9%
(Below Avg)
Profit Margin
40.19%
This Stock
vs
64.46%
Sector Avg
-37.7%
(Weaker)
Revenue Growth
14.6%
This Stock
vs
44.75%
Sector Avg
-67.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
LKFN
Lakeland Financial Corporation
|
NEUTRAL | $1.59B | 15.18 | 14.3% | 40.2% | $60.88 | |
|
BSTZ
BlackRock Science and...
|
BEARISH | $1.6B | 3.64 | -% | -% | $22.64 | Compare |
|
BMEZ
BlackRock Health Sciences...
|
BEARISH | $1.57B | - | -% | -% | $15.54 | Compare |
|
HOPE
Hope Bancorp, Inc.
|
NEUTRAL | $1.57B | 25.0 | 2.8% | 13.5% | $12.25 | Compare |
|
BFC
Bank First Corporation
|
NEUTRAL | $1.54B | 19.13 | 11.2% | 41.9% | $137.32 | Compare |
LKFN
Lakeland...
NEUTRAL
Mkt Cap
$1.6B
P/E
15.2
ROE
14.3%
Price
$60.88
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-12 | WELCH M SCOTT | Director | Purchase | 10,000 | $562,314 |
| 2026-03-09 | WELCH M SCOTT | Director | Purchase | 5,000 | $277,250 |
| 2026-02-27 | WELCH M SCOTT | Director | Purchase | 10,000 | $579,500 |
| 2026-02-23 | TOOTHAKER BRADLEY J | Director | Sale | 5,685 | $331,793 |
| 2026-02-04 | FINDLAY DAVID M | Chief Executive Officer | Sale | 3,000 | $189,057 |
| 2026-02-04 | LENISKI STEPHANIE R | Officer | Sale | 1,665 | $104,487 |
| 2026-02-03 | PRUITT KRISTIN L | President | Stock Award | 6,047 | - |
| 2026-02-03 | OTTINGER ERIC H | Officer | Stock Award | 4,647 | - |
| 2026-02-03 | FINDLAY DAVID M | Chief Executive Officer | Stock Award | 11,440 | - |
| 2026-02-03 | O'NEILL LISA M | Chief Financial Officer | Stock Award | 4,647 | - |
| 2026-02-03 | HURFORD JENNIFER M | Officer and Treasurer | Stock Award | 965 | - |
| 2026-02-03 | LAHRMAN BROK A. | Officer | Stock Award | 1,165 | - |
| 2026-02-03 | LENISKI STEPHANIE R | Officer | Stock Award | 4,017 | - |
| 2026-02-03 | DONOVAN JAMES RICKARD | General Counsel | Stock Award | 3,077 | - |
| 2026-02-03 | CLARK KYRA E | Officer | Stock Award | 3,077 | - |
WELCH M SCOTT
Director
2026-03-12
10,000 shares
·
$562,314
WELCH M SCOTT
Director
2026-03-09
5,000 shares
·
$277,250
WELCH M SCOTT
Director
2026-02-27
10,000 shares
·
$579,500
TOOTHAKER BRADLEY J
Director
2026-02-23
5,685 shares
·
$331,793
FINDLAY DAVID M
Chief Executive Officer
2026-02-04
3,000 shares
·
$189,057
LENISKI STEPHANIE R
Officer
2026-02-04
1,665 shares
·
$104,487
PRUITT KRISTIN L
President
2026-02-03
6,047 shares
OTTINGER ERIC H
Officer
2026-02-03
4,647 shares
FINDLAY DAVID M
Chief Executive Officer
2026-02-03
11,440 shares
O'NEILL LISA M
Chief Financial Officer
2026-02-03
4,647 shares
HURFORD JENNIFER M
Officer and Treasurer
2026-02-03
965 shares
LAHRMAN BROK A.
Officer
2026-02-03
1,165 shares
LENISKI STEPHANIE R
Officer
2026-02-03
4,017 shares
DONOVAN JAMES RICKARD
General Counsel
2026-02-03
3,077 shares
CLARK KYRA E
Officer
2026-02-03
3,077 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
4 analysts
Hovde Group
2026-01-07
Outperform
Market Perform
Raymond James
2025-10-28
Outperform
Outperform
Keefe, Bruyette & Woods
2025-10-28
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning LKFN from our newsroom.
Newest → oldest
No matching news yet.