Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
LKFN
HoldFallen FavouriteLakeland Financial Corporation · Financial Services · United States · $1.5B · Avg Vol: $9M/d
COMPANY DESCRIPTION
Lakeland Financial Corporation operates as the holding company for Lakeland National Bank, offering a comprehensive suite of commercial and consumer banking services primarily across northern Indiana. The company maintains a strong regional market position by focusing on commercial lending to small and medium-sized businesses and cultivating deep client relationships. Lakeland Financial is recognized for its community-centric approach and local market expertise in its operational footprint.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 244.7M | 246.9M | 253.5M | 269.0M | 3.2% | 273.7M | 286.1M | 300.4M | 5.7% |
| EPS | 4.07 | 3.67 | 3.64 | 4.02 | -0.4% | 4.36 | 4.39 | 4.52 | 6.0% |
| Shares | 25.3M | 25.4M | 25.5M | 25.2M | -0.5% | 24.9M | — | — | — |
| Debt | 275.0M | 50.0M | 0 | 184.2M | -12.5% | 77.9M | — | — | — |
| Equity | 568.8M | 649.7M | 683.8M | 762.4M | 10.3% | — | — | — | — |
| Op CF | 169.3M | 114.0M | 102.5M | 114.9M | -12.1% | 128.8M | — | — | — |
| Inv CF | -626.5M | -54.9M | -164.2M | -325.4M | — | — | — | — | — |
| Fin CF | -95.8M | -37.5M | 78.1M | 183.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LKFN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| LKFN | Lakeland Financial Corporation(you) | $1.5B | 52 | Hold |
| BHRB | Burke & Herbert Financial Services Corp. | $1.4B | 54 | Hold |
| BFC | Bank First Corporation | $1.7B | 53 | Hold |
| WABC | Westamerica Bancorporation | $1.3B | 55 | Hold |
| CLBK | Columbia Financial, Inc. | $1.2B | 53 | Hold |
| LOB | Live Oak Bancshares, Inc. | $1.9B | 54 | Hold |
| MCB | Metropolitan Bank Holding Corp. | $1.1B | 50 | Hold |
| TCBK | TriCo Bancshares | $1.7B | 57 | Hold |
| HOPE | Hope Bancorp, Inc. | $1.8B | 57 | Hold |
| HFWA | Heritage Financial Corporation | $1.2B | 56 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%