Lakeland Financial Corporation (LKFN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Lakeland Financial Corporation stock (LKFN) is currently trading at $56.80. Lakeland Financial Corporation PE ratio is 14.16. Lakeland Financial Corporation PS ratio (Price-to-Sales) is 5.76. Analyst consensus price target for LKFN is $65.60. WallStSmart rates LKFN as Moderate Buy.
- LKFN PE ratio analysis and historical PE chart
- LKFN PS ratio (Price-to-Sales) history and trend
- LKFN intrinsic value — DCF, Graham Number, EPV models
- LKFN stock price prediction 2025 2026 2027 2028 2029 2030
- LKFN fair value vs current price
- LKFN insider transactions and insider buying
- Is LKFN undervalued or overvalued?
- Lakeland Financial Corporation financial analysis — revenue, earnings, cash flow
- LKFN Piotroski F-Score and Altman Z-Score
- LKFN analyst price target and Smart Rating
Lakeland Financial Corporation
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LKFN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Lakeland Financial Corporation (LKFN)
LKFN trades at a significant discount to its Graham intrinsic value of $177.40, offering a 66% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Lakeland Financial Corporation (LKFN) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Lakeland Financial Corporation (LKFN) Key Strengths (6)
Keeps $53 of every $100 in revenue after operating costs
Keeps $40 of every $100 in revenue as net profit
82.97% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.96x book value, attractively priced
Strong earnings growth at 23.40% per year
Supporting Valuation Data
Lakeland Financial Corporation (LKFN) Areas to Watch (4)
Premium valuation at 5.8x annual revenue
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Solid revenue growth at 14.60% per year
Supporting Valuation Data
Lakeland Financial Corporation (LKFN) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.44), Price/Book (1.96) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 53.30%, Profit Margin at 40.20%. Growth metrics are encouraging with EPS Growth at 23.40%.
The Bear Case
The primary concerns are Price/Sales, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (5.76) suggest expensive pricing. Growth concerns include Revenue Growth at 14.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.30%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 14.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LKFN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LKFN's Price-to-Sales ratio of 5.76x sits near its historical average of 5.68x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 5.82x set in Mar 2026, and 3% above its historical low of 5.6x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Lakeland Financial Corporation (LKFN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Lakeland Financial Corporation is a mature, profitable business with steady cash generation. Revenue reached 257M with 15% growth year-over-year. Profit margins are strong at 40.2%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 40.2% and operating margin of 53.3% demonstrate strong pricing power and operational efficiency.
Generating 32M in free cash flow and 34M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 3.5%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Lakeland Financial Corporation.
Bottom Line
Lakeland Financial Corporation is a well-established business delivering consistent profitability with 40.2% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Lakeland Financial Corporation(LKFN)
NASDAQ
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.