Stock AnalizLakeland Financial Corp. LKFN
Major Banks · data as of November 13, 2026
Lakeland Financial Corp. (LKFN) is a financial company listed in the US with a market value of about $1.5B. In the twelve months to September 30, 2026 it had revenue of $283M and net income of $114M, a net margin of 40.1%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 13.9, a price to free cash flow of 12.7, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 23% below the current price.
Score: 2.2 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Profit margin improving
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $283M | $269M | $254M | $247M | $245M | $223M | $210M | $200M | $192M | $172M | $151M |
| Net income | $114M | $103M | $93M | $94M | $104M | $96M | $84M | $87M | $80M | $57M | $52M |
| Free cash flow | $121M | $104M | $94M | $108M | $165M | $108M | $82M | $92M | $97M | $68M | $52M |
| EPS (diluted) | $4.47 | $4.01 | $3.63 | $3.65 | $4.04 | $3.74 | $3.30 | $3.38 | $3.13 | $2.23 | $2.05 |
| Net margin | 40.1% | 38.4% | 36.9% | 38.0% | 42.4% | 43.0% | 40.2% | 43.5% | 42.0% | 33.3% | 34.4% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 4 analysts is $66.00, 6% above the current price; targets range from $64.00 to $67.00; the consensus rating is “Hold”; expected EPS is $4.46 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Lakeland Financial’s P/E ratio?
About 13.9, based on the last twelve months of diluted earnings per share (forward P/E about 13.7).
Is Lakeland Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 23% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Lakeland Financial pay a dividend?
Yes. The dividend yield is about 3.34%, and it has paid dividends for 10 years in our data.
Is Lakeland Financial a good stock to buy?
We do not give buy or sell advice. Lakeland Financial scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.