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LKFN stock logo

LKFN

Lakeland Financial Corporation

$58.12
0.1
 (0.17%)
Exchange:  NASDAQ
Market Cap:  1.468B
Shares Outstanding:  17.262M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  David Findlay
Full Time Employees:  647
Address: 
202 East Center Street
Warsaw
IN
46581-1387
US
Website:  https://www.lakecitybank.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue393,125430,002421,706
Gross Profit241,043236,773257,188
EBITDA116,506117,642130,369
Operating Income110,333111,689125,583
Net Income93,76793,478103,361

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets6,524,0296,678,3746,990,022
Total Liabilities5,874,2365,994,4636,227,530
Total Stockholders Equity649,704683,822762,403
Total Debt50,0006,777184,200
Cash and Cash Equivalents151,824168,20557,139

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Cash Flow Statement

Year202320242025
Operating Cash Flow113,981102,4850
Capital Expenditure-5,991-8,6340
Free Cash Flow107,99093,8510
Net Income93,76793,478103,361
Net Change in Cash21,54216,381-168,205

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Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)306,447.117Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)308,218.487Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)307,306.667Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)115,025.078Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)115,689.962Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)115,347.710Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)116,764.112Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)117,642.363Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)117,203.238Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)59,245.586Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)59,588.046Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)59,411.763Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.550Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.570Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.530Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
430.986M  ?P/S
 (TTM)
: 
3.79
?Net Income
 (TTM)
: 
93.478M  ?P/E
 (TTM)
: 
15.2
?Enterprise Value
 (TTM)
: 
1.725B  ?EV/FCF
 (TTM)
: 
16.63
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.5
?ROE
 (TTM)
: 
0.14  ?ROIC
 (TTM)
: 
0.1
?Net Debt
 (TTM)
: 
-64956000  ?Debt/Equity
 (TTM)
: 
0.24
?P/B
 (TTM)
: 
2.06  ?Current Ratio
 (TTM)
: 
0.03

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
13.48Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates LKFN intrinsic value between $53.59 – $64.63 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate LKFN Intrinsic Value

Common questions about LKFN valuation

Is Lakeland Financial Corporation (LKFN) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Lakeland Financial Corporation (LKFN) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is LKFN a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether LKFN trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is LKFN’s P/E ratio?

You can see LKFN’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for LKFN?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is LKFN a good long-term investment?

Whether LKFN fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

LKFN

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.17
Chart data temporarily unavailable.
Daily snapshot

Trading Metrics:

Open: 57.03   Previous Close: 58.02
Day Low: 56.93   Day High: 58.24
Year Low: 50   Year High: 69.4
Price Avg 50: 58.8   Price Avg 200: 60.96
Volume: 114428   Average Volume: 179429

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See in Nexus

Relevant news

Are You Looking for a High-Growth Dividend Stock?
12-02-2026 12:45
Are You Looking for a High-Growth Dividend Stock?
Why Lakeland Financial (LKFN) is a Great Dividend Stock Right Now
27-01-2026 12:45
Why Lakeland Financial (LKFN) is a Great Dividend Stock Right Now
Assenagon Asset Management S.A. Buys 32,060 Shares of Lakeland Financial Corporation $LKFN
31-03-2026 03:33
Assenagon Asset Management S.A. Buys 32,060 Shares of Lakeland Financial Corporation $LKFN
Why Lakeland Financial (LKFN) is a Top Dividend Stock for Your Portfolio
18-03-2026 12:46
Why Lakeland Financial (LKFN) is a Top Dividend Stock for Your Portfolio
Lakeland Financial (LKFN) Could Be a Great Choice
02-03-2026 12:45
Lakeland Financial (LKFN) Could Be a Great Choice
Allspring Global Investments Holdings LLC Purchases Shares of 23,726 Lakeland Financial Corporation $LKFN
09-01-2026 03:09
Allspring Global Investments Holdings LLC Purchases Shares of 23,726 Lakeland Financial Corporation $LKFN

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