Is Lakeland Financial Corporation (LKFN) Overvalued?
We dive into why Lakeland Financial Corporation (LKFN) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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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
What You Need to Know About Lakeland Financial Corporation's Q3 Earnings
Lakeland Financial Corporation's fiscal Q3 earnings report was released on Monday, July 27. Let's dive in to see if (LKFN) missed or beat analyst's expectations.Jenna Brashear
What You Need to Know About Lakeland Financial Corporation's Q2 Earnings
Lakeland Financial Corporation's fiscal Q2 earnings report was released on Monday, April 27. Let's dive in to see if (LKFN) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Lakeland Financial Corporation's Q1 Earnings
Lakeland Financial Corporation's fiscal Q1 earnings report was released on Monday, January 26. Let's dive in to see if (LKFN) missed or beat analyst's expectations.Omar Beirat
What You Need to Know About Lakeland Financial Corporation's Q4 Earnings
Lakeland Financial Corporation's fiscal Q4 earnings report was released on Monday, October 27. Let's dive in to see if (LKFN) missed or beat analyst's expectations.Omar Beirat
Financial Summary
| Share Statistics | LKFN | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,501.7 | $751.0 | 50% |
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| Shares Out (Mil) | 25.2 | 15.4 | 34% |
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| Institutional Ownership | 96.2% | 83.2% | 69% |
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| Float (Mil) | 24.0 | 21.8 | 32% |
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| Beta | na | 0.43 | na |
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| Avg Daily Volume (000s) | 160 | 42 | 41% |
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| Price Change (52-week) |
(4.9%) | 94.6% | 40% |
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| Growth | LKFN | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.7% | 7.7% | 39% |
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| Net Income (5yr) | 4.2% | 11.1% | 46% |
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| EPS (5yr) | 4.0% | 10.1% | 37 |
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| Dividends (5yr) | 10.3% | 3.6% | 90% |
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| Cash Flow (5yr) | (16.8%) | (17.1%) | 42% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $1.090 | $4.382 | $4.508 | |
| Month Ago EPS | $1.090 | $4.323 | $4.488 | |
| # Rev Up | 1 | 1 | 2 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.095 | $4.343 | $4.525 | |
| Year/Year Chg | (3.5%) | 9.3% | na | |
| Financials | LKFN | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $274 | $196 | 35% |
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| Net Income (TTM) (Mil) | $111 | $55 | 62% |
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| EPS (TTM) | $4.373 | $2.600 | 84% |
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| Operating Cash Flow (TTM) (Mil) | $129 | $36 | 54% |
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| Net Cash Flow (TTM) (Mil) | ($116) | $2 | 13% |
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| Long-Term Debt (Q1) (Mil) | $7 | $101 | 26% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | LKFN | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.94 | 1.25 | 49% |
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| P/E | 13.9 | 12.5 | 34% |
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| Dividend Yield | 3.4% | 2.2% | 87% |
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| PEG (5yr hist) | 3.5 | 1.1 | 81% |
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| Ratios | LKFN | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 40.6% | 29.1% | 95% |
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| ROA | 1.6% | 1.1% | 53% |
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| ROE | 15.0% | 11.3% | 71% |
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| Liabilities to Assets | 89.3% | 89.7% | 84% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
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: | -0.6 |
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: | 13.7% |
| +/- S&P 500: | +6.2 |
