LKFN:NSD-Lakeland Financial Corporation (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 67.51

Change

-0.12 (-0.18)%

Market Cap

USD 1.69B

Volume

4.43M

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

Lakeland 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 internet 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, 2020, the company operated 50 offices in fifteen counties, including 44 offices in northern Indiana and six offices in central Indiana. Lakeland Financial Corporation was founded in 1872 and is headquartered in Warsaw, Indiana.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-08-03 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+4.27 (+0.78%)

USD31.03B 15.71 N/A
HBANN Huntington Bancshares Incorpor..

+0.10 (+0.38%)

USD28.23B 27.97 N/A
FITB Fifth Third Bancorp

+0.76 (+2.11%)

USD25.54B 10.58 N/A
HBAN Huntington Bancshares Incorpor..

+0.45 (+3.21%)

USD20.80B 15.21 N/A
FITBI Fifth Third Bancorp

+0.01 (+0.03%)

USD20.08B 8.37 N/A
SBNY Signature Bank

+4.81 (+2.12%)

USD13.12B 17.88 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation, National..

+1.11 (+2.15%)

USD8.46B 7.83 N/A
CBSH Commerce Bancshares, Inc

-1.28 (-1.83%)

USD8.27B 15.16 N/A
FCNCA First Citizens BancShares, Inc

+20.77 (+2.70%)

USD7.62B 13.75 N/A

ETFs Containing LKFN

Symbol Name Weight Mer Price(Change) Market Cap

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 26.00% 60% D- 74% C
Dividend Return 2.54% 78% C+ 75% C
Total Return 28.54% 62% D- 76% C
Trailing 12 Months  
Capital Gain 54.80% 48% F 69% D+
Dividend Return 3.81% 47% F 64% D
Total Return 58.61% 49% F 70% C-
Trailing 5 Years  
Capital Gain 95.83% 89% B+ 68% D+
Dividend Return 16.94% 57% F 67% D+
Total Return 112.77% 90% A- 70% C-
Average Annual (5 Year Horizon)  
Capital Gain 10.05% 86% B 53% F
Dividend Return 2.45% 55% F 63% D
Total Return 12.50% 89% B+ 55% F
Risk Return Profile  
Volatility (Standard Deviation) 24.70% 64% D 69% D+
Risk Adjusted Return 50.62% 92% A- 69% D+
Market Capitalization 1.69B 79% C+ 72% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 18.02 14% F 49% F
Price/Book Ratio 2.50 3% F 53% F
Price / Cash Flow Ratio 19.39 23% F 23% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 14.59% 83% B 82% B-
Return on Invested Capital 1.31% 27% F 56% F
Return on Assets 1.62% 86% B 62% D-
Debt to Equity Ratio 13.01% 74% C 68% D+
Technical Ratios  
Short Ratio 5.28 13% F 23% F
Short Percent 2.86% 13% F 53% F
Beta 0.85 61% D- 71% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector