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Stock Evaluator: Lakeland Financial Corporation (LKFN)

Lakeland Financial Corporation LKFN

$61.15 -0.22 -0.36%
November 6, 2026 4:00:00 PM EST November 10, 2021 Volume: 171,879
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. It also offers loan products, including commercial and industrial, commercial real estate and multi-family residential, construction, agri-business and agricultural, consumer 1-4 family mortgage, and other commercial and consumer loans. In addition, the company provides retail and merchant credit card services; corporate treasury management services, private banking, and wealth advisory; retail brokerage services comprising financial and investment products, annuities, and life insurance; and trust and fiduciary services, and estate and financial planning consulting services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. The company was founded in 1872 and is headquartered in Warsaw, Indiana.

Commentary & Analysis

Financial Summary

Share Statistics LKFN Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $1,516.9 $701.9 51%
Shares Out (Mil) 25.2 15.4 34%
Institutional Ownership 96.5% 84.0% 70%
Float (Mil) 23.9 21.8 31%
Beta 0.76 0.46 45%
Avg Daily Volume (000s) 248 53 47%
Price Change
(52-week)		 6.9% 92.0% 56%
Growth LKFN Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 5.7% 7.6% 40%
Net Income (5yr) 4.2% 11.1% 46%
EPS (5yr) 4.0% 10.0% 37
Dividends (5yr) 10.3% 3.7% 90%
Cash Flow (5yr) (16.8%) (17.1%) 42%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 5 5 5
Current EPS $1.142 $4.450 $4.622
Month Ago EPS $1.124 $4.378 $4.508
# Rev Up 0 1 2
# Rev Down 1 0 0
Three Months Ago EPS $1.128 $4.380 $4.500
Year/Year Chg 0.2% 11.0% 19.8%
Financials LKFN Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $279 $188 35%
Net Income (TTM) (Mil) $114 $55 62%
EPS (TTM) $4.500 $2.600 84%
Operating Cash Flow (TTM) (Mil) $134 $33 55%
Net Cash Flow (TTM) (Mil) ($77) $2 17%
Long-Term Debt (Q1) (Mil) $8 $99 27%
Enterprise Value (Q1) (Mil) na $0 na
Valuation LKFN Industry
Median		 Percentile
(All Stocks)
P/B 2.08 1.26 57%
P/E 13.7 12.2 35%
Dividend Yield 3.4% 2.3% 87%
PEG (5yr hist) 3.4 1.1 82%
Ratios LKFN Industry
Median		 Percentile
(All Stocks)
Gross Margin na 63.7% na
Net Margin 40.8% 29.4% 95%
ROA 1.6% 1.1% 52%
ROE 15.4% 11.4% 71%
Liabilities to Assets 89.8% 89.7% 86%
F-Score 6 4 67%

Passing Stock Screens

As of 11/5/2026, from a list of 60 stock screening strategies, LKFN meetings the criteria of 2 screen:
Stock Screen
GURU STRATEGY

Graham--Defensive Investor (Utility) Screen

Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength. 
Performance Since Inception: 6.9%
+/- S&P 500: -0.5

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See All 191 Stocks (as of 11/5/2026)
FACTOR STRATEGY

P/E Relative Screen

Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market. 
Performance Since Inception: 13.6%
+/- S&P 500: +6.2

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See All 99 Stocks (as of 11/5/2026)

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors