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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.55
LKFN's Cash to Debt is ranked higher than
63% of the 1728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. LKFN: 0.55 )
LKFN' s 10-Year Cash to Debt Range
Min: 0.17   Max: 5.05
Current: 0.55

0.17
5.05
Equity to Asset 0.11
LKFN's Equity to Asset is ranked higher than
76% of the 2245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. LKFN: 0.11 )
LKFN' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.11

0.05
0.11
Interest Coverage 4.42
LKFN's Interest Coverage is ranked higher than
87% of the 2154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. LKFN: 4.42 )
LKFN' s 10-Year Interest Coverage Range
Min: 0.3   Max: 4.42
Current: 4.42

0.3
4.42
F-Score: 6
Z-Score: 0.35
WACC vs ROIC
9.37%
12.24%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 50.01
LKFN's Operating margin (%) is ranked higher than
93% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. LKFN: 50.01 )
LKFN' s 10-Year Operating margin (%) Range
Min: -244.07   Max: 50.01
Current: 50.01

-244.07
50.01
Net-margin (%) 33.10
LKFN's Net-margin (%) is ranked higher than
88% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.25 vs. LKFN: 33.10 )
LKFN' s 10-Year Net-margin (%) Range
Min: 18.51   Max: 118.69
Current: 33.1

18.51
118.69
ROE (%) 12.80
LKFN's ROE (%) is ranked higher than
87% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. LKFN: 12.80 )
LKFN' s 10-Year ROE (%) Range
Min: 8.83   Max: 16.7
Current: 12.8

8.83
16.7
ROA (%) 1.32
LKFN's ROA (%) is ranked higher than
88% of the 2361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. LKFN: 1.32 )
LKFN' s 10-Year ROA (%) Range
Min: 0.77   Max: 1.32
Current: 1.32

0.77
1.32
ROC (Joel Greenblatt) (%) 110.86
LKFN's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 2323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.11 vs. LKFN: 110.86 )
LKFN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -40.78   Max: 151.13
Current: 110.86

-40.78
151.13
Revenue Growth (3Y)(%) 4.10
LKFN's Revenue Growth (3Y)(%) is ranked higher than
80% of the 2005 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. LKFN: 4.10 )
LKFN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.7   Max: 101.2
Current: 4.1

-4.7
101.2
EBITDA Growth (3Y)(%) 12.70
LKFN's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 1815 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. LKFN: 12.70 )
LKFN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -3.6   Max: 15.7
Current: 12.7

-3.6
15.7
EPS Growth (3Y)(%) 11.60
LKFN's EPS Growth (3Y)(%) is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. LKFN: 11.60 )
LKFN' s 10-Year EPS Growth (3Y)(%) Range
Min: -5.9   Max: 20.9
Current: 11.6

-5.9
20.9
» LKFN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

LKFN Guru Trades in Q1 2014

David Dreman 63,697 sh (+3.14%)
Columbia Wanger 918,597 sh (unchged)
Columbia Wanger 910,597 sh (-0.87%)
» More
Q2 2014

LKFN Guru Trades in Q2 2014

David Dreman 62,371 sh (-2.08%)
Columbia Wanger 888,597 sh (-2.42%)
» More
Q3 2014

LKFN Guru Trades in Q3 2014

David Dreman 63,185 sh (+1.31%)
Columbia Wanger 878,397 sh (-1.15%)
» More
Q4 2014

LKFN Guru Trades in Q4 2014

Jim Simons 13,800 sh (New)
Columbia Wanger 870,697 sh (unchged)
David Dreman Sold Out
Columbia Wanger 870,697 sh (-0.88%)
» More
» Details

Insider Trades

Latest Guru Trades with LKFN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.50
LKFN's P/E(ttm) is ranked higher than
75% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.00 vs. LKFN: 15.50 )
LKFN' s 10-Year P/E(ttm) Range
Min: 10.32   Max: 17.64
Current: 15.5

10.32
17.64
Forward P/E 13.09
LKFN's Forward P/E is ranked higher than
82% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LKFN: 13.09 )
N/A
PE(NRI) 15.40
LKFN's PE(NRI) is ranked higher than
78% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. LKFN: 15.40 )
LKFN' s 10-Year PE(NRI) Range
Min: 10.29   Max: 17.59
Current: 15.4

10.29
17.59
P/B 1.80
LKFN's P/B is ranked higher than
59% of the 3173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. LKFN: 1.80 )
LKFN' s 10-Year P/B Range
Min: 1.2   Max: 2.47
Current: 1.8

1.2
2.47
P/S 5.08
LKFN's P/S is ranked higher than
54% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. LKFN: 5.08 )
LKFN' s 10-Year P/S Range
Min: 2   Max: 5.42
Current: 5.08

2
5.42
PFCF 13.70
LKFN's PFCF is ranked higher than
79% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LKFN: 13.70 )
LKFN' s 10-Year PFCF Range
Min: 6.22   Max: 28.7
Current: 13.7

6.22
28.7
POCF 12.18
LKFN's POCF is ranked higher than
80% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 175.50 vs. LKFN: 12.18 )
LKFN' s 10-Year POCF Range
Min: 5.42   Max: 15.66
Current: 12.18

5.42
15.66
EV-to-EBIT 10.79
LKFN's EV-to-EBIT is ranked higher than
87% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.74 vs. LKFN: 10.79 )
LKFN' s 10-Year EV-to-EBIT Range
Min: 4.1   Max: 18.1
Current: 10.79

4.1
18.1
PEG 1.16
LKFN's PEG is ranked higher than
92% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LKFN: 1.16 )
LKFN' s 10-Year PEG Range
Min: 1.05   Max: 1425
Current: 1.16

1.05
1425
Shiller P/E 20.00
LKFN's Shiller P/E is ranked higher than
81% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LKFN: 20.00 )
LKFN' s 10-Year Shiller P/E Range
Min: 10.08   Max: 21.66
Current: 20

10.08
21.66
Days Sales Outstanding 23.89
LKFN's Days Sales Outstanding is ranked higher than
93% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LKFN: 23.89 )
LKFN' s 10-Year Days Sales Outstanding Range
Min: 23.89   Max: 307.21
Current: 23.89

23.89
307.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.19
LKFN's Dividend Yield is ranked lower than
57% of the 2208 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. LKFN: 2.19 )
LKFN' s 10-Year Dividend Yield Range
Min: 1.41   Max: 4.13
Current: 2.19

1.41
4.13
Dividend Payout 0.31
LKFN's Dividend Payout is ranked higher than
81% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. LKFN: 0.31 )
LKFN' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.49
Current: 0.31

0.14
0.49
Dividend growth (3y) 9.80
LKFN's Dividend growth (3y) is ranked higher than
81% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. LKFN: 9.80 )
LKFN' s 10-Year Dividend growth (3y) Range
Min: -6.9   Max: 44.2
Current: 9.8

-6.9
44.2
Yield on cost (5-Year) 2.70
LKFN's Yield on cost (5-Year) is ranked lower than
52% of the 2215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. LKFN: 2.70 )
LKFN' s 10-Year Yield on cost (5-Year) Range
Min: 1.73   Max: 5.07
Current: 2.7

1.73
5.07
Share Buyback Rate -0.90
LKFN's Share Buyback Rate is ranked higher than
75% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. LKFN: -0.90 )
LKFN' s 10-Year Share Buyback Rate Range
Min: -0.1   Max: -9.4
Current: -0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.90
LKFN's Price/Tangible Book is ranked higher than
68% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. LKFN: 1.90 )
LKFN' s 10-Year Price/Tangible Book Range
Min: 1.22   Max: 3.79
Current: 1.9

1.22
3.79
Price/DCF (Projected) 1.00
LKFN's Price/DCF (Projected) is ranked higher than
82% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LKFN: 1.00 )
LKFN' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 1.08
Current: 1

0.5
1.08
Price/Median PS Value 1.40
LKFN's Price/Median PS Value is ranked higher than
68% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. LKFN: 1.40 )
LKFN' s 10-Year Price/Median PS Value Range
Min: 0.43   Max: 2.32
Current: 1.4

0.43
2.32
Price/Peter Lynch Fair Value 1.10
LKFN's Price/Peter Lynch Fair Value is ranked higher than
93% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LKFN: 1.10 )
LKFN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.87   Max: 2.47
Current: 1.1

0.87
2.47
Price/Graham Number 1.10
LKFN's Price/Graham Number is ranked higher than
74% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. LKFN: 1.10 )
LKFN' s 10-Year Price/Graham Number Range
Min: 0.67   Max: 1.73
Current: 1.1

0.67
1.73
Earnings Yield (Greenblatt) 9.60
LKFN's Earnings Yield (Greenblatt) is ranked higher than
82% of the 2339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. LKFN: 9.60 )
LKFN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.5   Max: 24.3
Current: 9.6

5.5
24.3
Forward Rate of Return (Yacktman) 20.39
LKFN's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. LKFN: 20.39 )
LKFN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.9   Max: 20.9
Current: 20.39

6.9
20.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Lakeland Financial Corp was incorporated in the state of Indiana on February 8, 1983. The Bank, through its subsidiaries provides products and services throughout its Northern and Central Indiana markets. It offers commercial and consumer banking services, as well as trust and wealth management, brokerage, and treasury management commercial services. It serves industries such as manufacturing, agriculture, construction, retail, services, health care and transportation. The Bank operates as a community-based financial services organization. As of December 31, 2013, the Bank had 45 offices in thirteen counties throughout Northern and Central Indiana. The Bank opened its 46th office in the Indianapolis market in January 2014. The Bank's Commercial products include commercial loans and technology-driven solutions to meet commercial customers' treasury management needs such as internet business banking and on-line treasury management services. The retail banking clients are provided an array of traditional retail banking services, including lending, deposit and investment services. Retail lending programs are focused on mortgage loans, home equity lines of credit and traditional retail installment loans, including indirect automotive financing. The Bank provides credit card services to retail and commercial customers through its retail card program and merchant processing activity. The Bank provides wealth advisory and trust clients with traditional personal and corporate trust services. It also provides credit card services to retail and commercial customers through its retail card program and merchant processing activity. It provides wealth advisory and trust clients with traditional personal and corporate trust services. The Bank also provides retail brokerage services, including an array of financial and investment products such as annuities and life insurance. Other financial instruments, which represent concentrations of credit risk, include deposit accounts in other financial institutions. The company is regulated under federal and state law.

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