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Lakeland Financial Corp

LKFN

65.750USD

+1.140+1.76%

Market hours （ET）Quotes delayed by 15 min

1.68BMarket Cap

17.74P/E TTM



Lakeland Financial Corp

65.750

+1.140+1.76%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated：2025-09-17

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

50 / 400

Overall Ranking

150 / 4723

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 5 analysts

Hold

Current Rating

70.600

Target Price

+10.35%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Lakeland Financial Corporation is a bank holding company, which provides, through its subsidiary Lake City Bank (the Bank), a range of financial products and services throughout its Northern and Central Indiana markets. It offers commercial and consumer banking services, and trust and wealth management, brokerage, and treasury management commercial services. It serves a diverse customer base, including commercial customers across a wide variety of industries, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care. The Bank serves Central and Northern Indiana communities with 54 branch offices in 15 counties and a robust digital banking platform. The Bank’s deposits are insured by the Federal Deposit Insurance Corporation (the FDIC) to the maximum extent provided under federal law and FDIC regulations. It also provides credit card services to retail and commercial customers.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 52.73%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 52.73%.

Undervalued

The company’s latest PB is 2.32, at a low 3-year percentile range.

Institutional Selling

The latest institutional holdings are 22.99M shares, decreasing 2.50% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 1.87M shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of 0.04.

Financial Health

Currency: USD Updated：2025-09-17

The company's current financial score is 9.20, which is higher than the Banking Services industry's average of 7.07. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 61.81M, representing a year-over-year decrease of 3.76%, while its net profit experienced a year-over-year decrease of 19.59%.

Score

Industry at a Glance

Previous score

9.20

Change



Financials

7.24

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

9.35

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.40

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-17

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 17.56, which is 0.94% below the recent high of 17.72 and 8.10% above the recent low of 16.13.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 50/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-17

The company’s current earnings forecast score is 6.80, which is lower than the Banking Services industry's average of 7.39. The average price target for Lakeland Financial Corp is 68.00, with a high of 76.00 and a low of 67.00.

Score

Industry at a Glance

Previous score

6.80

Change

Support & Resistance

No Data

Analyst Rating

Based on 5 analysts

Hold

Current Rating

70.600

Target Price

+10.35%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Lakeland Financial Corp

LKFN

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated：2025-09-17

The company’s current price momentum score is 6.58, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 68.33 and the support level at 61.97, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.17

Change

0.41

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(4)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.943

Neutral

RSI(14)

45.528

Neutral

STOCH(KDJ)(9,3,3)

21.339

Neutral

ATR(14)

1.613

High Vlolatility

CCI(14)

-84.788

Neutral

Williams %R

75.374

Sell

TRIX(12,20)

0.106

Sell

StochRSI(14)

45.878

Buy

Moving Average

Sell(2)

Neutral(0)

Buy(4)

Indicators

Value

Direction

MA5

64.764

Buy

MA10

65.924

Sell

MA20

66.473

Sell

MA50

64.905

Buy

MA100

62.471

Buy

MA200

63.756

Buy

Institutional Confidence

Currency: USD Updated：2025-09-17

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 90.02%, representing a quarter-over-quarter decrease of 0.34%. The largest institutional shareholder is The Vanguard, holding a total of 1.87M shares, representing 7.33% of shares outstanding, with 3.36% decrease in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

3.46M

-1.40%

The Vanguard Group, Inc.

Star Investors

1.89M

-2.45%

Neuberger Berman, LLC

1.25M

-0.61%

State Street Global Advisors (US)

1.30M

-6.67%

Charles Schwab Investment Management, Inc.

999.03K

+5.57%

Victory Capital Management Inc.

1.09M

-18.85%

Silvercrest Asset Management Group LLC

942.02K

-1.52%

Dimensional Fund Advisors, L.P.

763.09K

-5.50%

Copeland Capital Management, LLC

740.62K

-3.08%

Geode Capital Management, L.L.C.

621.53K

+3.16%

Risk Assessment

Currency: USD Updated：2025-09-17

The company’s current risk assessment score is 5.08, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.60. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.