LKFN Stock Analysis: Lakeland Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.573m USD | 12M Return: -1.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.8M
EPS Trend: 68.2%
Qual. Beats: 0
Rev. Trend: 74.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Lakeland Financial Corporation (NASDAQ: LKFN) is the bank holding company for Lake City Bank, a Warsaw, Indiana-based institution founded in 1872 that delivers a full range of banking products and services across the United States. The company accepts a diverse set of deposit products-including noninterest bearing and interest-bearing checking, savings, money market, NOW, and demand deposits-and originates loans spanning commercial and industrial, commercial real estate, multi-family residential, construction, agricultural, consumer 1-4 family mortgage, and other commercial and consumer categories.
Beyond core banking, Lakeland Financial provides retail and merchant credit card services, corporate treasury management, private banking, wealth advisory, retail brokerage (including annuities and life insurance), and trust, fiduciary, and estate planning services. Its client base covers a broad set of industries, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare. Classified within the GICS Regional Banks sub-industry, LKFN operates as a small-cap, community-oriented institution with a long-standing regional banking model, differentiated from larger money-center and diversified banks by its focus on relationship-driven local and small-business lending in the Midwest.
- Net interest margin compresses as deposit costs outpace asset yields
- Commercial real estate loan portfolio faces regional bank stress concerns
- Agricultural lending demand strengthens across Indiana core markets
| Net Income: 109.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.08 > 1.0 |
| NWC/Revenue: -1.43k% < 20% (prev -1.13k%; Δ -301.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 120.6m > Net Income 109.8m |
| Net Debt (9.39m) to EBITDA (139.9m): 0.07 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (25.5m) vs 12m ago -1.20% < -2% |
| Gross Margin: 63.00% > 18% (prev 55.00%; Δ 7.99% > 0.5%) |
| Asset Turnover: 6.10% > 50% (prev 6.24%; Δ -0.14% > 0%) |
| Interest Coverage Ratio: 0.89 > 6 (EBIT TTM 133.9m / Interest Expense TTM 150.4m) |
| A: -0.86 (Total Current Assets 95.4m - Total Current Liabilities 6.17b) / Total Assets 7.08b |
| B: 0.11 (Retained Earnings 801.6m / Total Assets 7.08b) |
| C: 0.02 (EBIT TTM 133.9m / Avg Total Assets 6.97b) |
| D: 0.12 (Book Value of Equity 748.9m / Total Liabilities 6.33b) |
| Altman-Z'' = -5.00 = D |
| DSRI: 1.04 (Receivables 29.7m/28.8m, Revenue 425.2m/427.7m) |
| GMI: 0.87 (GM 55.00% / 63.00%) |
| AQI: 1.21 (AQ_t 0.98 / AQ_t-1 0.81) |
| SGI: 0.99 (Revenue 425.2m / 427.7m) |
| TATA: -0.00 (NI 109.8m - CFO 120.6m) / TA 7.08b) |
| Beneish M = -2.99 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 61.57 with a total of 169,766 shares traded. Over the past week, the price has changed by +0.85%, over one month by +3.17%, over three months by +5.34% and over the past year by -1.32%.
Current recommended Stop Loss: 59.60 (which is 3.2% or 1.3 ATR below the current price).
Lakeland Financial has received a consensus analysts rating of 3.60. Therefore, it is recommended to hold LKFN.
- StrongBuy: 1
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 65.5 | 6.4% |
P/E Trailing = 14.7822
P/E Forward = 20.0803
P/S = 5.8701
P/B = 2.0539
P/EG = 1.4383
Revenue TTM = 425.2m USD
EBIT TTM = 133.9m USD
EBITDA TTM = 139.9m USD
Long Term Debt = 18.2m USD (from longTermDebt, last quarter)
Short Term Debt = 50.7m USD (from shortTermDebt, last quarter)
Debt = 75.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 9.39m USD (calculated: Debt 75.1m - CCE 65.7m)
Enterprise Value = 1.58b USD (1.57b + Debt 75.1m - CCE 65.7m)
Interest Coverage Ratio = 0.89 (Ebit TTM 133.9m / Interest Expense TTM 150.4m)
EV/FCF = 14.84x (Enterprise Value 1.58b / FCF TTM 106.6m)
FCF Yield = 6.74% (FCF TTM 106.6m / Enterprise Value 1.58b)
FCF Margin = 25.06% (FCF TTM 106.6m / Revenue TTM 425.2m)
Net Margin = 25.81% (Net Income TTM 109.8m / Revenue TTM 425.2m)
Gross Margin = 63.00% ((Revenue TTM 425.2m - Cost of Revenue TTM 157.4m) / Revenue TTM)
Gross Margin QoQ = 64.53% (prev 65.47%)
Tobins Q-Ratio = 0.22 (Enterprise Value 1.58b / Total Assets 7.08b)
Interest Expense / Debt = 200.2% (Interest Expense 150.4m / Debt 75.1m)
Taxrate = 18.03% (24.1m / 133.9m)
NOPAT = 109.8m (EBIT 133.9m * (1 - 18.03%))
Current Ratio = 0.02 (Total Current Assets 95.4m / Total Current Liabilities 6.17b)
Debt / Equity = 0.10 (Debt 75.1m / totalStockholderEquity, last quarter 748.9m)
Debt / EBITDA = 0.07 (Net Debt 9.39m / EBITDA 139.9m)
Debt / FCF = 0.09 (Net Debt 9.39m / FCF TTM 106.6m)
Total Stockholder Equity = 742.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.58% (Net Income 109.8m / Total Assets 7.08b)
RoE = 14.79% (Net Income TTM 109.8m / Total Stockholder Equity 742.2m)
RoCE = 17.61% (EBIT 133.9m / Capital Employed (Equity 742.2m + L.T.Debt 18.2m))
RoIC = 1.55% (NOPAT 109.8m / Invested Capital 7.06b)
WACC = 7.51% (E(1.57b)/V(1.65b) * Re(7.87%) + (debt cost/tax rate unavailable))
Discount Rate = 7.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 28.89 | Cagr: -0.41%
[DCF] Terminal Value 76.55% ; FCFF base≈103.0m ; Y1≈111.2m ; Y5≈136.1m
[DCF] Fair Price = 83.35 (EV 2.09b - Net Debt 9.39m = Equity 2.08b / Shares 24.9m; r=8.35% [WACC [floored]]; 5y FCF grow 9.05% → 2.50% )
EPS Correlation: 68.16 | EPS CAGR: 5.46% | SUE: 0.39 | # QB: 0
Revenue Correlation: 74.05 | Revenue CAGR: 5.14% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.09 | Chg30d=+0.00% | Revisions=-17% | Analysts=4
EPS next Quarter (2026-09-30): EPS=1.09 | Chg30d=+0.09% | Revisions=-40% | Analysts=4
EPS current Year (2026-12-31): EPS=4.34 | Chg30d=+0.00% | Revisions=+17% | GrowthEPS=+8.3% | GrowthRev=+6.7%
EPS next Year (2027-12-31): EPS=4.53 | Chg30d=+0.00% | Revisions=-17% | GrowthEPS=+4.2% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: -21% (up=4, down=7)