Lakeland Financial Corp (LKFN)

Price$59.99

Value ScoreD

Growth ScoreC

Momentum ScoreF

Favorite Metrics

Price vs S&P 500 (26W)-4.96%

Price vs S&P 500 (4W)-2.52%

VGM Score32.69

Market Capitalization$1.49B

P/E Ratio (Annual)14.46x

Indicated Dividend Yield (Annual)3.51%

All Metrics

P/CF (Annual)13.01x

Book Value / Share (Quarterly)$30.04

P/TBV (Annual)1.98x

Indicated Dividend (Annual)$2.08

Revenue Growth (3Y)3.64%

Cash Flow / Share (Quarterly)$4.28

Payout Ratio (TTM)47.18%

Price vs S&P 500 (YTD)-3.02%

Net Profit Margin (TTM)36.27%

EPS (TTM)$4.27

10-Day Avg Trading Volume0.14M

EPS Excl Extra (TTM)$4.27

Revenue Growth (5Y)7.65%

EPS (Annual)$4.01

Dividend / Share (Annual)$2.03

ROI (Annual)13.33%

Net Profit Margin (5Y Avg)42.19%

Cash / Share (Quarterly)$2.65

P/E Basic Excl Extra (TTM)13.62x

Revenue Growth QoQ (YoY)41.67%

EPS Growth (5Y)4.00%

P/E Normalized (Annual)14.46x

ROA (Last FY)1.48%

Revenue Growth TTM (YoY)54.18%

EBITD / Share (TTM)$5.36

ROE (5Y Avg)14.70%

Operating Margin (TTM)42.36%

Cash Flow / Share (Annual)$4.11

P/B Ratio2.00x

P/B Ratio (Quarterly)2.00x

Net Income / Employee (Annual)$153,400

ROA (TTM)1.57%

EPS Growth QoQ (YoY)33.43%

EV / EBITDA (TTM)10.79x

EPS Incl Extra (Annual)$4.01

3-Month Avg Trading Volume0.18M

52-Week Price Return1.33%

EV / Free Cash Flow (Annual)14.57x

P/E Incl Extra (TTM)13.62x

Tangible BV / Share (Quarterly)$13.09

P/S Ratio (Annual)5.76x

52-Week High$69.40

EPS Excl Extra (Annual)$4.01

CapEx CAGR (5Y)14.30%

Tangible BV CAGR (5Y)16.59%

26-Week Price Return2.97%

13-Week Price Return4.15%

Total Debt / Equity (Annual)0.02x

Enterprise Value$1.51B

Revenue / Share Growth (5Y)7.36%

Book Value / Share Growth (5Y)3.00%

Revenue / Employee (Annual)$415,886,200,000

Pretax Margin (Annual)51.14%

Cash / Share (Annual)$3.20

3-Month Return Std Dev22.96%

Net Income / Employee (TTM)$162,800

EBITDA CAGR (5Y)6.17%

EBITDA Interim CAGR (5Y)5.88%

ROE (Last FY)13.56%

EPS Basic Excl Extra (Annual)$4.01

P/FCF (TTM)14.02x

EV / Free Cash Flow (TTM)14.18x

Total Debt / Equity (Quarterly)0.02x

EPS Incl Extra (TTM)$4.27

ROI (TTM)14.62%

Dividend Growth Rate (5Y)10.88%

P/S Ratio (TTM)5.67x

Pretax Margin (5Y Avg)51.72%

Revenue / Share (Annual)$9.52

Tangible BV / Share (Annual)$13.09

Forward P/E13.74x

Free OCF CAGR (5Y)4.95%

Price vs S&P 500 (52W)-23.03%

P/E Ratio (TTM)13.62x

EPS Growth TTM (YoY)22.46%

Year-to-Date Return5.13%

5-Day Price Return1.30%

EPS Normalized (Annual)$4.01

ROA (5Y Avg)1.48%

Net Profit Margin (Annual)42.42%

Month-to-Date Return-1.06%

Cash Flow / Share (TTM)$3.74

EBITD / Share (Annual)$5.10

EPS Growth (3Y)-0.27%

Operating Margin (Annual)51.14%

LT Debt / Equity (Annual)0.02x

P/CF (TTM)12.39x

ROI (5Y Avg)14.52%

P/E Excl Extra (TTM)13.62x

LT Debt / Equity (Quarterly)0.02x

EPS Basic Excl Extra (TTM)$4.27

P/TBV (Quarterly)1.98x

Payout Ratio (Annual)49.76%

P/B Ratio (Annual)1.91x

Dividend / Share (TTM)$2.05

Pretax Margin (TTM)42.36%

Book Value / Share (Annual)$30.23

Price vs S&P 500 (13W)-4.11%

Net Margin Growth (5Y)3.48%

Dividend Yield (TTM)3.46%

Beta0.73x

P/FCF (Annual)14.40x

Revenue / Share (TTM)$9.66

ROE (TTM)14.79%

52-Week Low$54.36

vGradeD

gGradeC

mGradeF

vgmGradeD

Show chart for

Earnings Surprise History

Q1 261.04est. 1.03

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

3.80

3.73

2.44

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
LKFNLakeland Financial Corp	D	C	F	$59.99
BNSBank of Nova Scotia	C	C	B	$80.56
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.54
DBDeutsche Bank Aktiengesellschaft	B	B	F	$31.51
FITBFifth Third Bancorp	D	C	B	$52.01
FITBIFifth Third Bancorp Depositary Shares	D	C	B	$25.73
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	B	$26.02
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	B	$18.36
STTState Street Corporation	C	C	A	$161.75
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	F	$3.36

About

Lakeland Financial Corp is a bank holding company serving Northern and Central Indiana with commercial, retail, wealth management, and investment services. The company provides commercial and consumer banking, trust and wealth advisory, brokerage, and treasury management to diverse industries including commercial real estate, manufacturing, agriculture, and healthcare. Revenue is derived from its core banking operations.