Lakeland Financial Corporation (LKFN)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 198 | 223 | 245 | 247 | 254 | 269 | 279 | - |
| Operating profit | $m | 126 | 136 | ||||||
| Net profit | $m | 84 | 96 | 104 | 94 | 93 | 103 | 111 | 113 |
| EPS reported | $ | 4.01 | 4.36 | ||||||
| Operating cashflow per share | $ | 4.48 | 5.14 | ||||||
| Capex per share | $ | 0.43 | 0.69 | ||||||
| FCF per share | $ | 4.05 | 4.46 | ||||||
| Free cash flow | $m | 104 | 112 | ||||||
| Net debt | $m | 43 | 2 | ||||||
| Book value equity | $m | 762 | 773 | ||||||
| Book value per share | $ | 29.58 | 30.65 | ||||||
| Number of shares | m | 25.77 | 25.23 | ||||||
| DPS (TTM paid) | $ | 2.00 | 2.06 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 14.23 | 13.65 | ||||||
| P/B LTM | x | 1.92 | 1.89 | ||||||
| P/S LTM | x | 5.44 | 5.23 | ||||||
| P/FCF LTM | x | 14.09 | 13.09 | ||||||
| EV/EBITDA LTM | x | 12.19 | 11.33 | ||||||
| EV/Sales LTM | x | 3.77 | 3.66 | ||||||
| Earnings Yield LTM | % | +7.03% | +7.33% | ||||||
| FCF Yield | % | +7.10% | +7.64% | ||||||
| Quality | |||||||||
| ROE | % | +13.56% | +14.67% | ||||||
| ROIC | % | +10.40% | +1.54% | ||||||
| Operating margin | % | +29.78% | +31.81% | ||||||
| Gross margin | % | +60.99% | +64.08% | ||||||
| FCF/Sales | % | +24.61% | +26.14% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +10.47% | +20.11% | ||||||
| Sales Growth YoY | % | +6.10% | +10.21% | ||||||
| Net Income Growth YoY | % | +10.57% | +18.99% | ||||||
| FCF Growth | % | +10.56% | +18.97% | ||||||
| Operating Profit Growth | % | +12.44% | +21.63% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.52% | +3.30% | ||||||
| Dividend Growth | % | +4.17% | +7.29% | ||||||
| Payout Ratio | % | +49.77% | +46.59% | ||||||
| FCF/Debt | x | 0.56 | 1.60 | ||||||
| Net Debt/EBITDA | x | 0.97 | 0.04 | ||||||
| EBIT/Net interest | x | 0.82 | 0.92 | ||||||
| Net debt/market cap | % | +12.60% | +4.50% | ||||||
| Net debt/Equity | x | 0.06 | 0.00 | ||||||
| Gross debt/equity | x | 0.24 | 0.09 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Lakeland Financial Corporation serves as the parent organization for Lake City Bank, offering a broad spectrum of banking and financial solutions. The company manages various deposit accounts, including non-interest-bearing and interest-bearing checking, savings, money market, NOW, and demand deposits. Its lending portfolio is diverse, providing commercial and industrial loans, financing for commercial real estate and multi-family residences, agri-business and agricultural loans, and a variety of consumer loans, such as 1-4 family mortgages. Beyond traditional banking, Lakeland Financial offers retail and merchant credit card services, advanced corporate treasury management, wealth advisory, and trust administration. It also facilitates retail brokerage, featuring investment vehicles like annuities and life insurance, and supports clients with mobile business banking and online treasury management platforms. The firm caters to a wide range of sectors, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, hospitality, and healthcare industries. Established in 1872, Lakeland Financial Corporation is headquartered in Warsaw, Indiana. As of December 31, 2021, it operated an extensive network of 51 branches across fifteen counties, with 45 located in northern Indiana and six in central Indiana.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Lakeland Financial Corporation (LKFN)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Lakeland Financial Corporation serves as the parent organization for Lake City Bank, offering a broad spectrum of banking and financial solutions. The company manages various deposit accounts, including non-interest-bearing and interest-bearing checking, savings, money market, NOW, and demand deposits. Its lending portfolio is diverse, providing commercial and industrial loans, financing for commercial real estate and multi-family residences, agri-business and agricultural loans, and a variety of consumer loans, such as 1-4 family mortgages. Beyond traditional banking, Lakeland Financial offers retail and merchant credit card services, advanced corporate treasury management, wealth advisory, and trust administration. It also facilitates retail brokerage, featuring investment vehicles like annuities and life insurance, and supports clients with mobile business banking and online treasury management platforms. The firm caters to a wide range of sectors, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, hospitality, and healthcare industries. Established in 1872, Lakeland Financial Corporation is headquartered in Warsaw, Indiana. As of December 31, 2021, it operated an extensive network of 51 branches across fifteen counties, with 45 located in northern Indiana and six in central Indiana.
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