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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 0.73
LKFN's Cash to Debt is ranked lower than
58% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. LKFN: 0.73 )
Ranked among companies with meaningful Cash to Debt only.
LKFN' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.86 Max: N/A
Current: 0.73
Equity to Asset 0.11
LKFN's Equity to Asset is ranked higher than
61% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. LKFN: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
LKFN' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.07 Max: 0.11
Current: 0.11
0.05
0.11
Interest Coverage 4.42
LKFN's Interest Coverage is ranked higher than
77% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. LKFN: 4.42 )
Ranked among companies with meaningful Interest Coverage only.
LKFN' s 10-Year Interest Coverage Range
Min: 0.3  Med: 0.81 Max: 4.42
Current: 4.42
0.3
4.42
F-Score: 4
WACC vs ROIC
9.60%
13.08%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 50.19
LKFN's Operating margin (%) is ranked higher than
85% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. LKFN: 50.19 )
Ranked among companies with meaningful Operating margin (%) only.
LKFN' s 10-Year Operating margin (%) Range
Min: -244.07  Med: 33.76 Max: 50.01
Current: 50.19
-244.07
50.01
Net-margin (%) 33.56
LKFN's Net-margin (%) is ranked higher than
78% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. LKFN: 33.56 )
Ranked among companies with meaningful Net-margin (%) only.
LKFN' s 10-Year Net-margin (%) Range
Min: 18.51  Med: 23.86 Max: 118.69
Current: 33.56
18.51
118.69
ROE (%) 12.51
LKFN's ROE (%) is ranked higher than
73% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. LKFN: 12.51 )
Ranked among companies with meaningful ROE (%) only.
LKFN' s 10-Year ROE (%) Range
Min: 7.58  Med: 15.17 Max: 16.7
Current: 12.51
7.58
16.7
ROA (%) 1.31
LKFN's ROA (%) is ranked higher than
75% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. LKFN: 1.31 )
Ranked among companies with meaningful ROA (%) only.
LKFN' s 10-Year ROA (%) Range
Min: 0.77  Med: 1.04 Max: 1.32
Current: 1.31
0.77
1.32
Revenue Growth (3Y)(%) 4.10
LKFN's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. LKFN: 4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LKFN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.7  Med: 6.70 Max: 101.2
Current: 4.1
-4.7
101.2
EBITDA Growth (3Y)(%) 12.70
LKFN's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. LKFN: 12.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LKFN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -3.6  Med: 10.30 Max: 15.7
Current: 12.7
-3.6
15.7
EPS Growth (3Y)(%) 11.60
LKFN's EPS Growth (3Y)(%) is ranked higher than
55% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. LKFN: 11.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LKFN' s 10-Year EPS Growth (3Y)(%) Range
Min: -5.9  Med: 9.20 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

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
Q1 2015

LKFN Guru Trades in Q1 2015

Jim Simons 27,700 sh (+100.72%)
Columbia Wanger 953,697 sh (+9.53%)
» More
Q2 2015

LKFN Guru Trades in Q2 2015

Jim Simons 39,000 sh (+40.79%)
Columbia Wanger 968,166 sh (+1.52%)
» 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) 15.02
LKFN's P/E(ttm) is ranked lower than
61% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. LKFN: 15.02 )
Ranked among companies with meaningful P/E(ttm) only.
LKFN' s 10-Year P/E(ttm) Range
Min: 10.32  Med: 14.77 Max: 17.64
Current: 15.02
10.32
17.64
Forward P/E 13.39
LKFN's Forward P/E is ranked lower than
69% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. LKFN: 13.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.30
LKFN's PE(NRI) is ranked lower than
61% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. LKFN: 15.30 )
Ranked among companies with meaningful PE(NRI) only.
LKFN' s 10-Year PE(NRI) Range
Min: 10.29  Med: 14.76 Max: 17.59
Current: 15.3
10.29
17.59
P/B 1.83
LKFN's P/B is ranked lower than
87% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. LKFN: 1.83 )
Ranked among companies with meaningful P/B only.
LKFN' s 10-Year P/B Range
Min: 1.2  Med: 1.76 Max: 2.45
Current: 1.83
1.2
2.45
P/S 5.06
LKFN's P/S is ranked lower than
84% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. LKFN: 5.06 )
Ranked among companies with meaningful P/S only.
LKFN' s 10-Year P/S Range
Min: 2  Med: 3.76 Max: 5.53
Current: 5.06
2
5.53
PFCF 13.99
LKFN's PFCF is ranked lower than
65% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. LKFN: 13.99 )
Ranked among companies with meaningful PFCF only.
LKFN' s 10-Year PFCF Range
Min: 6.22  Med: 10.83 Max: 28.7
Current: 13.99
6.22
28.7
POCF 12.09
LKFN's POCF is ranked lower than
66% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. LKFN: 12.09 )
Ranked among companies with meaningful POCF only.
LKFN' s 10-Year POCF Range
Min: 5.42  Med: 9.54 Max: 15.66
Current: 12.09
5.42
15.66
EV-to-EBIT 10.23
LKFN's EV-to-EBIT is ranked higher than
66% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. LKFN: 10.23 )
Ranked among companies with meaningful EV-to-EBIT only.
LKFN' s 10-Year EV-to-EBIT Range
Min: 4.1  Med: 10.80 Max: 18.1
Current: 10.23
4.1
18.1
PEG 1.15
LKFN's PEG is ranked lower than
56% of the 612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. LKFN: 1.15 )
Ranked among companies with meaningful PEG only.
LKFN' s 10-Year PEG Range
Min: 1.05  Med: 1.81 Max: 1425
Current: 1.15
1.05
1425
Shiller P/E 18.95
LKFN's Shiller P/E is ranked lower than
65% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. LKFN: 18.95 )
Ranked among companies with meaningful Shiller P/E only.
LKFN' s 10-Year Shiller P/E Range
Min: 10.08  Med: 16.13 Max: 21.66
Current: 18.95
10.08
21.66
Days Sales Outstanding 25.42
LKFN's Days Sales Outstanding is ranked higher than
68% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. LKFN: 25.42 )
Ranked among companies with meaningful Days Sales Outstanding only.
LKFN' s 10-Year Days Sales Outstanding Range
Min: 23.89  Med: 37.63 Max: 307.21
Current: 25.42
23.89
307.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.24
LKFN's Dividend Yield is ranked lower than
62% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. LKFN: 2.24 )
Ranked among companies with meaningful Dividend Yield only.
LKFN' s 10-Year Dividend Yield Range
Min: 1.41  Med: 2.41 Max: 4.13
Current: 2.24
1.41
4.13
Dividend Payout 0.33
LKFN's Dividend Payout is ranked higher than
51% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. LKFN: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
LKFN' s 10-Year Dividend Payout Range
Min: 0.22  Med: 0.33 Max: 0.77
Current: 0.33
0.22
0.77
Dividend growth (3y) 9.80
LKFN's Dividend growth (3y) is ranked higher than
57% of the 671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. LKFN: 9.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
LKFN' s 10-Year Dividend growth (3y) Range
Min: -6.9  Med: 9.80 Max: 44.2
Current: 9.8
-6.9
44.2
Yield on cost (5-Year) 2.75
LKFN's Yield on cost (5-Year) is ranked lower than
57% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. LKFN: 2.75 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LKFN' s 10-Year Yield on cost (5-Year) Range
Min: 1.73  Med: 2.96 Max: 5.07
Current: 2.75
1.73
5.07
Share Buyback Rate -0.90
LKFN's Share Buyback Rate is ranked higher than
60% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. LKFN: -0.90 )
Ranked among companies with meaningful Share Buyback Rate only.
LKFN' s 10-Year Share Buyback Rate Range
Min: -0.1  Med: -0.90 Max: -9.4
Current: -0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.81
LKFN's Price/Tangible Book is ranked lower than
82% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. LKFN: 1.81 )
Ranked among companies with meaningful Price/Tangible Book only.
LKFN' s 10-Year Price/Tangible Book Range
Min: 1.22  Med: 1.85 Max: 3.79
Current: 1.81
1.22
3.79
Price/Projected FCF 0.92
LKFN's Price/Projected FCF is ranked lower than
73% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. LKFN: 0.92 )
Ranked among companies with meaningful Price/Projected FCF only.
LKFN' s 10-Year Price/Projected FCF Range
Min: 0.5  Med: 0.85 Max: 1.08
Current: 0.92
0.5
1.08
Price/Median PS Value 1.34
LKFN's Price/Median PS Value is ranked lower than
82% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. LKFN: 1.34 )
Ranked among companies with meaningful Price/Median PS Value only.
LKFN' s 10-Year Price/Median PS Value Range
Min: 0.36  Med: 0.91 Max: 4.8
Current: 1.34
0.36
4.8
Price/Peter Lynch Fair Value 1.08
LKFN's Price/Peter Lynch Fair Value is ranked lower than
63% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. LKFN: 1.08 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
LKFN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.59  Med: 1.29 Max: 2.54
Current: 1.08
0.59
2.54
Price/Graham Number 1.10
LKFN's Price/Graham Number is ranked lower than
75% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. LKFN: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
LKFN' s 10-Year Price/Graham Number Range
Min: 0.61  Med: 1.06 Max: 2.06
Current: 1.1
0.61
2.06
Earnings Yield (Greenblatt) (%) 9.75
LKFN's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. LKFN: 9.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LKFN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.5  Med: 9.20 Max: 24.3
Current: 9.75
5.5
24.3
Forward Rate of Return (Yacktman) (%) 21.02
LKFN's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. LKFN: 21.02 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LKFN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 6.9  Med: 14.90 Max: 21.3
Current: 21.02
6.9
21.3

Analyst Estimate

Dec15 Dec16
EPS($) 2.76 3.01
EPS without NRI($) 2.76 3.01

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.
» More Articles for LKFN

Headlines

Articles On GuruFocus.com
Lakeland Financial Corp. Reports Operating Results (10-K) Mar 07 2011 
Lakeland Financial Corp. Reports Operating Results (10-Q) Nov 04 2010 
Lakeland Financial Corp. Reports Operating Results (10-Q) May 05 2010 
Lakeland Financial Corp. Reports Operating Results (10-Q) Oct 26 2009 
Lakeland Financial Corp. Reports Operating Results (10-Q) Aug 05 2009 
Lakeland Financial Corp. Reports Operating Results (10-Q) May 08 2009 

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