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Lakeland Financial Corporation LKFN
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 53.795
-1.7 %
$ 1.4 B
Market Cap
14.36
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one LKFN stock under the worst case scenario is HIDDEN Compared to the current market price of 53.8 USD, Lakeland Financial Corporation is HIDDEN

LKFN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one LKFN stock under the base case scenario is HIDDEN Compared to the current market price of 53.8 USD, Lakeland Financial Corporation is HIDDEN

LKFN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one LKFN stock under the best case scenario is HIDDEN Compared to the current market price of 53.8 USD, Lakeland Financial Corporation is HIDDEN

LKFN Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart LKFN

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1M -11%
6M -22%
1Y -11%
3Y -29.0%
5Y 50%
All
$80.0$80.0$75.0$75.0$70.0$70.0$65.0$65.0$60.0$60.0$55.0$55.0$50.0$50.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
254 M REVENUE
2.69%
Growth Rates
1Year 2.69%
3Years 6.46%
5Years 5.98%
7Years 6.45%
10Years 7.23%
89.4 M OPERATING INCOME
-12.01%
Growth Rates
1Year -12.01%
3Years -8.70%
5Years -3.60%
7Years -4.06%
10Years 0.97%
93.5 M NET INCOME
-0.31%
Growth Rates
1Year -0.31%
3Years -0.79%
5Years 1.44%
7Years 7.23%
10Years 7.87%
102 M OPERATING CASH FLOW
-10.09%
Growth Rates
1Year -10.09%
3Years -3.42%
5Years 0.48%
7Years 4.12%
10Years 6.29%
-164 M INVESTING CASH FLOW
-198.98%
Growth Rates
1Year -198.98%
3Years 20.88%
5Years 0.53%
7Years 11.82%
10Years 3.71%
-52.3 M FINANCING CASH FLOW
-39.43%
Growth Rates
1Year -39.43%
3Years -2.61%
5Years -1.36%
7Years -2.14%
10Years -2.23%
93.4 M REVENUE
52.59%
Growth Rates
1Year 2.69%
3Years 6.46%
5Years 5.98%
7Years 6.45%
10Years 7.23%
91.1 M OPERATING INCOME
228.41%
Growth Rates
1Year -12.01%
3Years -8.70%
5Years -3.60%
7Years -4.06%
10Years 0.97%
24.2 M NET INCOME
3.65%
Growth Rates
1Year -0.31%
3Years -0.79%
5Years 1.44%
7Years 7.23%
10Years 7.87%
38.7 M OPERATING CASH FLOW
114.92%
Growth Rates
1Year -10.09%
3Years -3.42%
5Years 0.48%
7Years 4.12%
10Years 6.29%
-51.7 M INVESTING CASH FLOW
-239.64%
Growth Rates
1Year -198.98%
3Years 20.88%
5Years 0.53%
7Years 11.82%
10Years 3.71%
21 M FINANCING CASH FLOW
-41.98%
Growth Rates
1Year -39.43%
3Years -2.61%
5Years -1.36%
7Years -2.14%
10Years -2.23%
Balance Sheet Lakeland Financial Corporation
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Current Assets 6.34 M
Cash & Short-Term Investments 6.34 M
Receivables 0
Other Current Assets 0
Non-Current Assets 1.13 B
Long-Term Investments 1.12 B
PP&E 0
Other Non-Current Assets 4.97 M
99.00 %Total Assets$1.1b
Current Liabilities 15.1 M
Accounts Payable 15.1 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 0
Long-Term Debt 0
Other Non-Current Liabilities 0
100.00 %Total Liabilities$15.1m
EFFICIENCY
Earnings Waterfall Lakeland Financial Corporation
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Revenue 254 M
Cost Of Revenue 0
Gross Profit 254 M
Operating Expenses 254 M
Operating Income 89.4 M
Other Expenses -4.1 M
Net Income 93.5 M
300m300m250m250m200m200m150m150m100m100m50m50m00254m0254m(254m)89m4m93mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 99.21%
5Years 99.53%
7Years 99.66%
10Years 99.76%
35.25% OPERATING MARGIN
35.25%
Averages
1Year 35.25%
3Years 48.73%
5Years 50.91%
7Years 55.98%
10Years 59.92%
36.87% NET MARGIN
36.87%
Averages
1Year 36.87%
3Years 39.87%
5Years 41.55%
7Years 42.56%
10Years 40.50%
13.67% ROE
13.67%
Averages
1Year 13.67%
3Years 15.45%
5Years 14.55%
7Years 14.68%
10Years 13.90%
1.40% ROA
1.40%
Averages
1Year 1.40%
3Years 1.48%
5Years 1.47%
7Years 1.54%
10Years 1.44%
6.68% ROIC
6.68%
Averages
1Year 6.68%
3Years 6.40%
5Years 5.32%
7Years 5.06%
10Years 4.02%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Lakeland Financial Corporation
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180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 93.5 M
Depreciation & Amortization 5.95 M
Capital Expenditures -8.63 M
Stock-Based Compensation 0
Change in Working Capital 0
Others 9.01 M
Free Cash Flow 93.9 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Lakeland Financial Corporation
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Wall Street analysts predict an average 1-year price target for LKFN of $66 , with forecasts ranging from a low of $66 to a high of $66 .
LKFN Lowest Price Target Wall Street Target
66 USD 22.69%
LKFN Average Price Target Wall Street Target
66 USD 22.69%
LKFN Highest Price Target Wall Street Target
66 USD 22.69%
Price
Max Price Target
Min Price Target
Average Price Target
8080757570706565606055555050Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.70% DIVIDEND YIELD
0.5 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.000002.000001.800001.800001.600001.600001.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.140.163330.190.220.260.30.340.40.460.480.50.163330.186670.220.260.30.30.340.40.460.480.50.163330.186670.220.260.30.30.340.40.460.480.163330.630.190.730.220.850.261.000.31.160.31.200.341.360.41.600.461.840.481.921.002015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership Lakeland Financial Corporation
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Sold
0-3 MONTHS
561 K USD 3
3-6 MONTHS
1.03 M USD 3
6-9 MONTHS
995 K USD 4
9-12 MONTHS
31 K USD 1
Bought
920 K USD 1
0-3 MONTHS
58 K USD 1
3-6 MONTHS
293 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Lakeland Financial (LKFN) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Lakeland Financial (LKFN) have what it takes? zacks.com - 2 weeks ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Lakeland Financial (LKFN) have what it takes? zacks.com - 1 month ago
Why Lakeland Financial (LKFN) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Lakeland Financial (LKFN) have what it takes? zacks.com - 1 month ago
Why Lakeland Financial (LKFN) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Lakeland Financial (LKFN) have what it takes? zacks.com - 2 months ago
Lakeland Financial (LKFN) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Lakeland Financial (LKFN) have what it takes? zacks.com - 2 months ago
All You Need to Know About Lakeland Financial (LKFN) Rating Upgrade to Strong Buy Lakeland Financial (LKFN) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 2 months ago
Lakeland Financial (LKFN) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Lakeland Financial (LKFN) have what it takes? zacks.com - 3 months ago
Lakeland Financial (LKFN) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for Lakeland Financial (LKFN) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 3 months ago
Lakeland Financial Reports Annual Net Income of $93.5 million, Organic Average Loan Growth of 5% and Average Deposit Growth of 4% WARSAW, Ind., Jan. 24, 2025 (GLOBE NEWSWIRE) -- Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today reported net income of $93.5 million for the year ended December 31, 2024, versus $93.8 million for the year ended December 31, 2023. Diluted earnings per share were $3.63 for the twelve months ended December 31, 2024, versus $3.65 for 2023. globenewswire.com - 3 months ago
4 Stocks With Growth Potential That Recently Announced Dividend Hikes PLBC, BUSE, LKFN and RPRX recently announced dividend hikes. zacks.com - 3 months ago
Gear Up for Lakeland Financial (LKFN) Q4 Earnings: Wall Street Estimates for Key Metrics Get a deeper insight into the potential performance of Lakeland Financial (LKFN) for the quarter ended December 2024 by going beyond Wall Street's top -and-bottom-line estimates and examining the estimates for some of its key metrics. zacks.com - 3 months ago
Lake City Bank Promotes Stephanie R. Leniski to Executive Vice President WARSAW, Ind., Jan. 16, 2025 (GLOBE NEWSWIRE) -- Lake City Bank is pleased to announce that Stephanie R. Leniski has been promoted to Executive Vice President, Chief Retail Banking Officer. globenewswire.com - 3 months ago
8. Profile Summary

Lakeland Financial Corporation LKFN

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.4 B
Dividend Yield 0.70%
Description Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. Its loan products include commercial and industrial, commercial real estate and multi-family residential, agri-business and agricultural, consumer 1-4 family mortgage, and other consumer loans. The company also offers retail and merchant credit card services; corporate treasury management, wealth advisory, and trust services; retail brokerage services, including various financial and investment products, such as annuities and life insurance; and mobile business banking and on-line treasury management services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. As of December 31, 2021, the company operated 51 offices in fifteen counties, including 45 offices in northern Indiana and six offices in central Indiana. Lakeland Financial Corporation was founded in 1872 and is headquartered in Warsaw, Indiana.
Contact 202 East Center Street, Warsaw, IN, 46581-1387 https://www.lakecitybank.com
IPO Date Aug. 14, 1997
Employees 632
Officers Ms. Stephanie R. Leniski Executive Vice President & Chief Retail Banking Officer Mr. Donald J. Robinson-Gay Senior Vice President & Chief Credit Officer Mr. Brok A. Lahrman Chief Accounting Officer & Senior Vice President of Finance Mr. Rickard James Donovan Senior Vice President, General Counsel & Secretary Mr. Eric H. Ottinger Executive Vice President & Chief Commercial Banking Officer Ms. Kristin L. Pruitt J.D. President & Director Ms. Kyra E. Clark Senior Vice President & Chief Human Resource Officer Ms. Lisa M. O'Neill CPA Executive Vice President & Chief Financial Officer Kirtus D. Murray Senior Vice President of Consumer & Home Loans and Retail Lending Manager Mr. David M. Findlay Chairman & Chief Executive Officer