Lakeland Financial Corporation

Valuation Analysis

About the Company

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 insur

Lakeland Financial Corporation Stock at a Glance

Lakeland Financial Corporation (LKFN) is currently trading at $61.83 with a market capitalization of $1.5B. The trailing P/E ratio stands at 14.48x, with a forward P/E of 13.66x. The 52-week range spans from $54.36 to $69.40; the current price is 10.9% below the yearly high. Year-over-year revenue growth stands at +18.8%. The net profit margin stands at 40.97%.

💰 Dividend

Lakeland Financial Corporation pays an annual dividend of $2.08 per share, representing a yield of 3.36%. The payout ratio stands at 47.31%.

📊 Analyst Rating

4 analysts rate Lakeland Financial Corporation (LKFN) on consensus: None. The average price target is $65.50, implying +5.94% from the current price. Analyst price targets range from $64.00 to $67.00.

Lakeland Financial Corporation: The Investment Case in Detail

Lakeland Financial Corporation (LKFN) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 18.8% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 33.3% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

The PEG ratio at 1.44 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The dividend yield near 3.36% combined with a payout ratio of 47.31% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

The price is in a transition zone relative to the moving averages — no clear signal.

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (9.41%).

Trading Data

💵 Dividend Info

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