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Lakeland Financial Corporation LKFN

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Price alert · LKFN

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61.37 USD -1.53 (-2.43%)

At closeNov 5, 2026, 4:01 PM EST

61.37 0.00 0.00%

After hours · Nov 5, 4:01 PM ET

61.02 Day range 64.15
54.36 52-week range 64.55
YTD
+7.55%
1 year
+5.25%

Financial health

Altman Z-Score

-0.42 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 14.2×
FY 2016: 22.8×FY 2017: 21.3×FY 2018: 12.6×FY 2019: 14.4×FY 2020: 16.2×FY 2021: 21.3×FY 2022: 17.9×FY 2023: 17.8×FY 2024: 18.9×FY 2025: 14.2×
FY 2016 5y median 17.9× FY 2025
P/S 3.5×
FY 2016: 7.3×FY 2017: 6.3×FY 2018: 4.4×FY 2019: 5.0×FY 2020: 6.0×FY 2021: 8.6×FY 2022: 6.6×FY 2023: 4.2×FY 2024: 4.1×FY 2025: 3.5×
FY 2016 5y median 4.2× FY 2025
P/B 1.9×
FY 2016: 2.8×FY 2017: 2.6×FY 2018: 1.9×FY 2019: 2.1×FY 2020: 2.1×FY 2021: 2.9×FY 2022: 3.3×FY 2023: 2.6×FY 2024: 2.6×FY 2025: 1.9×
FY 2016 5y median 2.6× FY 2025
P/FCF 14.1×
FY 2016: 22.7×FY 2017: 18.0×FY 2018: 10.5×FY 2019: 13.6×FY 2020: 16.7×FY 2021: 19.0×FY 2022: 11.3×FY 2023: 15.4×FY 2024: 18.8×FY 2025: 14.1×
FY 2016 5y median 15.4× FY 2025
EV/EBITDA 12.1×
FY 2016: 17.8×FY 2017: 12.9×FY 2018: 11.8×FY 2019: 11.6×FY 2020: 10.8×FY 2021: 11.4×FY 2022: 15.4×FY 2023: 13.4×FY 2024: 13.6×FY 2025: 12.1×
FY 2016 5y median 13.4× FY 2025
EV/Sales 3.8×
FY 2016: 8.9×FY 2017: 6.3×FY 2018: 5.4×FY 2019: 5.3×FY 2020: 5.3×FY 2021: 6.0×FY 2022: 7.2×FY 2023: 4.0×FY 2024: 3.7×FY 2025: 3.8×
FY 2016 5y median 4.0× FY 2025
FCF Yield 7.1%
FY 2016: 4.4%FY 2017: 5.5%FY 2018: 9.6%FY 2019: 7.4%FY 2020: 6.0%FY 2021: 5.3%FY 2022: 8.8%FY 2023: 6.5%FY 2024: 5.3%FY 2025: 7.1%
FY 2016 5y median 6.5% FY 2025

Profitability

Gross Margin 61.0%
FY 2016: 86.8%FY 2017: 83.0%FY 2018: 76.4%FY 2019: 74.6%FY 2020: 80.3%FY 2021: 93.2%FY 2022: 83.6%FY 2023: 61.3%FY 2024: 55.1%FY 2025: 61.0%
FY 2016 5y median 61.3% FY 2025
Operating Margin 29.8%
FY 2016: 47.2%FY 2017: 46.3%FY 2018: 43.1%FY 2019: 43.0%FY 2020: 45.5%FY 2021: 49.4%FY 2022: 44.5%FY 2023: 28.1%FY 2024: 26.0%FY 2025: 29.8%
FY 2016 5y median 29.8% FY 2025
Net Margin 24.5%
FY 2016: 31.8%FY 2017: 29.6%FY 2018: 35.0%FY 2019: 34.8%FY 2020: 37.0%FY 2021: 40.2%FY 2022: 36.9%FY 2023: 23.9%FY 2024: 21.7%FY 2025: 24.5%
FY 2016 5y median 24.5% FY 2025
ROE 13.6%
FY 2016: 12.2%FY 2017: 12.2%FY 2018: 15.4%FY 2019: 14.6%FY 2020: 12.8%FY 2021: 13.6%FY 2022: 18.3%FY 2023: 14.4%FY 2024: 13.7%FY 2025: 13.6%
FY 2016 5y median 13.7% FY 2025
ROIC 10.4%
FY 2016: 7.4%FY 2017: 8.6%FY 2018: 9.8%FY 2019: 10.9%FY 2020: 10.7%FY 2021: 11.7%FY 2022: 10.7%FY 2023: 12.0%FY 2024: 12.3%FY 2025: 10.4%
FY 2016 5y median 11.7% FY 2025
ROA 1.5%
FY 2016: 1.2%FY 2017: 1.2%FY 2018: 1.6%FY 2019: 1.8%FY 2020: 1.4%FY 2021: 1.5%FY 2022: 1.6%FY 2023: 1.4%FY 2024: 1.4%FY 2025: 1.5%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue -1.9%
FY 2016: 11.8%FY 2017: 18.2%FY 2018: 18.6%FY 2019: 8.8%FY 2020: -8.7%FY 2021: 4.3%FY 2022: 18.3%FY 2023: 39.7%FY 2024: 9.4%FY 2025: -1.9%
FY 2016 FY 2025
Operating Income 12.4%
FY 2016: 11.6%FY 2017: 16.1%FY 2018: 10.4%FY 2019: 8.5%FY 2020: -3.3%FY 2021: 13.1%FY 2022: 6.6%FY 2023: -11.8%FY 2024: 1.2%FY 2025: 12.4%
FY 2016 FY 2025
EPS (diluted) 10.5%
FY 2016: 12.0%FY 2017: 8.8%FY 2018: 40.4%FY 2019: 8.0%FY 2020: -2.4%FY 2021: 13.3%FY 2022: 8.0%FY 2023: -9.7%FY 2024: -0.5%FY 2025: 10.5%
FY 2016 FY 2025
Free Cash Flow 10.6%
FY 2016: 12.4%FY 2017: 29.2%FY 2018: 43.4%FY 2019: -5.1%FY 2020: -11.4%FY 2021: 32.0%FY 2022: 52.9%FY 2023: -34.4%FY 2024: -13.1%FY 2025: 10.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2016: 1.0×FY 2017: 0.4×FY 2018: 0.9×FY 2019: 0.3×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.5×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 1.0×
FY 2016: 3.3×FY 2017: 0.1×FY 2018: 2.2×FY 2019: 0.6×FY 2020: -1.5×FY 2021: -4.8×FY 2022: 1.3×FY 2023: -0.9×FY 2024: -1.4×FY 2025: 1.0×
FY 2016 5y median -0.9× FY 2025
Interest Coverage 0.8×
FY 2016: 3.8×FY 2017: 3.0×FY 2018: 2.1×FY 2019: 1.8×FY 2020: 3.5×FY 2021: 7.8×FY 2022: 3.4×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 1.5%FY 2017: 1.8%FY 2018: 2.5%FY 2019: 2.4%FY 2020: 2.2%FY 2021: 1.7%FY 2022: 2.2%FY 2023: 2.8%FY 2024: 2.8%FY 2025: 3.5%
FY 2016 5y median 2.8% FY 2025
Payout Ratio 49.8%
FY 2016: 35.0%FY 2017: 37.3%FY 2018: 31.5%FY 2019: 34.1%FY 2020: 36.3%FY 2021: 36.2%FY 2022: 39.3%FY 2023: 50.2%FY 2024: 52.7%FY 2025: 49.8%
FY 2016 5y median 49.8% FY 2025

Annual · latest fiscal year ends 2025-12-31