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Lakeland Financial

NSQ:LKFN · US5116561003
BanksSmall

360

55
Profit price40
Cash yield81
Price/Sales12
EV / Gross Profit24
Price/Book9
Returns on capital95
Profit margins—
Cash Conversion38
Accruals34
Owner Earnings Margin86
Sales growth23
Profit Growth46
Owner Earnings Growth57
Reinvestment87
Price momentum4
Debt load56
Debt serviceability23
Liquidity96
Analyst ratings1
Opinion Changes50
Price Target Upside69
Market mood71
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Lakeland Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1983
Websitelakecitybank.com
ISINUS5116561003
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
FinanceFinancial Services

Description

Lakeland Financial Corporation (‘Lakeland Financial’) operates as a bank holding company for Lake City Bank (the ‘bank’) that provides a broad array of financial products and services throughout its Northern and Central Indiana markets. The company…

Analysis

Quality compounder

Lakeland Financial Corporation is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 14.9× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is sturdy. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
35
2023202420252026

All-time high

39

Jan 2023

All-time low

22

Mar 2026

Average rank

30

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
12
3
3
3
Price/Earnings
6
7
5
3
Price/Book
9
3
1
3
Dividend Yield
81
63
40
37
Value (overall)
20
11
6
3

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →