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Lakeland Financial (LKFN)
:LKFN
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Lakeland Financial (LKFN) AI Stock Analysis

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LKFN

Lakeland Financial

(NASDAQ:LKFN)

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Outperform 78 (OpenAI - 4o)
Rating:78Outperform
Price Target:
$77.00
▲(17.07% Upside)
Lakeland Financial's strong financial performance and positive technical indicators are the primary drivers of its score. The company's recent corporate event underscores its strategic positioning and profitability. While valuation is reasonable, it is not a standout factor.

Lakeland Financial (LKFN) vs. SPDR S&P 500 ETF (SPY)

Lakeland Financial Business Overview & Revenue Model

Company DescriptionLakeland 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.
How the Company Makes MoneyLakeland Financial generates revenue through various streams, primarily focusing on interest income from loans and investments, along with non-interest income from service fees and wealth management services. The company's core revenue model relies on net interest margin, which is the difference between the interest earned on loans and the interest paid on deposits. Key revenue streams include commercial and consumer loans, mortgage loans, and investment securities. Additionally, the bank earns non-interest income from fees associated with deposit accounts, ATM transactions, and wealth management services, contributing to a diversified revenue base. Strategic partnerships with local businesses and community organizations enhance customer acquisition and retention, further bolstering earnings.

Lakeland Financial Financial Statement Overview

Summary
Lakeland Financial demonstrates strong profitability and financial stability with low leverage. While the company efficiently manages its operations and maintains a solid capital structure, recent declines in revenue and free cash flow growth suggest potential areas for improvement.
Income Statement
75
Positive
Lakeland Financial shows strong profitability with a consistent gross profit margin and net profit margin. However, recent revenue growth has been negative, indicating potential challenges in expanding revenue streams. The EBIT and EBITDA margins remain healthy, reflecting efficient cost management.
Balance Sheet
80
Positive
The company maintains a very low debt-to-equity ratio, indicating strong financial stability and low leverage risk. Return on equity is solid, suggesting effective use of shareholder funds. The equity ratio is healthy, reflecting a strong capital structure.
Cash Flow
70
Positive
Operating cash flow is robust relative to net income, indicating good cash generation from operations. However, free cash flow growth has been negative recently, which could signal potential cash flow challenges. The free cash flow to net income ratio remains strong, showing efficient cash conversion.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue419.44M430.00M393.13M281.43M237.94M228.08M
Gross Profit238.38M236.77M241.04M235.37M221.73M183.22M
EBITDA119.99M117.64M116.51M131.94M125.83M110.69M
Net Income94.58M93.48M93.77M103.82M95.73M84.34M
Balance Sheet
Total Assets6.96B6.68B6.52B6.43B6.56B5.83B
Cash, Cash Equivalents and Short-Term Investments750.21M591.05M1.20B1.32B2.08B984.77M
Total Debt6.20M0.0050.00M297.00M75.00M85.50M
Total Liabilities6.25B5.99B5.87B5.86B5.85B5.17B
Stockholders Equity709.90M683.82M649.70M568.80M704.82M657.10M
Cash Flow
Free Cash Flow93.21M93.85M107.99M164.52M107.60M81.51M
Operating Cash Flow101.78M102.48M113.98M169.34M113.77M87.23M
Investing Cash Flow-223.25M-164.24M-54.93M-626.52M-331.55M-712.02M
Financing Cash Flow310.47M78.13M-37.51M-95.78M651.09M775.34M

Lakeland Financial Technical Analysis

Technical Analysis Sentiment
Positive
Last Price65.77
Price Trends
50DMA
64.86
Positive
100DMA
62.84
Positive
200DMA
62.72
Positive
Market Momentum
MACD
-0.05
Positive
RSI
52.28
Neutral
STOCH
48.34
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LKFN, the sentiment is Positive. The current price of 65.77 is below the 20-day moving average (MA) of 65.93, above the 50-day MA of 64.86, and above the 200-day MA of 62.72, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 52.28 is Neutral, neither overbought nor oversold. The STOCH value of 48.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LKFN.

Lakeland Financial Risk Analysis

Lakeland Financial disclosed 31 risk factors in its most recent earnings report. Lakeland Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Lakeland Financial Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$1.68B17.9313.86%3.01%-1.41%-6.42%
76
Outperform
$1.82B13.311.10%3.05%4.57%-15.68%
75
Outperform
$1.54B10.8611.78%2.36%6.43%11.69%
74
Outperform
$1.83B11.178.74%6.39%14.86%40.09%
74
Outperform
$2.28B16.687.92%-7.45%-45.67%
58
Neutral
$1.61B254.580.55%-0.90%-67.89%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
LKFN
Lakeland Financial
65.77
2.69
4.26%
CASH
Pathward Financial
76.04
10.20
15.49%
LOB
Live Oak Bancshares
36.17
-11.04
-23.38%
STEL
Stellar Bancorp
30.46
5.07
19.97%
CCB
Coastal Financial
118.00
64.01
118.56%
CLBK
Columbia Financial
15.30
-1.77
-10.37%

Lakeland Financial Corporate Events

Business Operations and StrategyFinancial Disclosures
Lakeland Financial Reports Strong Q2 2025 Performance
Positive
Jul 25, 2025

Lakeland Financial Corporation reported a strong financial performance for the second quarter of 2025, highlighting its long-term success and commitment to shareholder value. The company has maintained a high return on equity and demonstrated consistent profitability over the past decade. With a robust capital structure and a focus on organic growth, Lakeland Financial is well-positioned in the Indiana market, benefiting from the state’s economic strength and expansion in sectors like manufacturing and microelectronics. The company’s net interest margin has expanded, and it continues to focus on managing deposit costs effectively.

Dividends
Lakeland Financial Declares Quarterly Dividend Announcement
Neutral
Jul 8, 2025

On July 8, 2025, Lakeland Financial Corporation’s Board of Directors announced a quarterly cash dividend of $0.50 per share on its common stock, which will be distributed on August 5, 2025, to shareholders recorded by July 25, 2025.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 09, 2025