Lakeland Financial Corporation (LKFN)vsRoyal Bank of Canada (RY)
LKFN
Lakeland Financial Corporation
$59.93
+0.39%
FINANCIAL SERVICES · Cap: $1.50B
RY
Royal Bank of Canada
$206.19
+1.42%
FINANCIAL SERVICES · Cap: $281.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 24435% more annual revenue ($67.15B vs $273.69M). LKFN leads profitability with a 40.6% profit margin vs 33.9%. LKFN appears more attractively valued with a PEG of 1.44. LKFN earns a higher WallStSmart Score of 69/100 (B-).
LKFN
Strong Buy69
out of 100
Grade: B-
RY
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 51.5%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : LKFN
The strongest argument for LKFN centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 40.6% and operating margin at 51.5%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : LKFN
The primary concerns for LKFN are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
LKFN is growing revenue faster at 9.2% — sustainability is the question.
LKFN generates stronger free cash flow (19M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
LKFN scores higher overall (69/100 vs 66/100), backed by strong 40.6% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Lakeland Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lakeland Financial Corporation is the banking holding company for Lake City Bank offering various banking products and services. The company is headquartered in Warsaw, Indiana.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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