Switch to:

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.79
LKFN's Cash-to-Debt is ranked lower than
66% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. LKFN: 0.79 )
Ranked among companies with meaningful Cash-to-Debt only.
LKFN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.78 Max: 5.05
Current: 0.79
0.17
5.05
Equity-to-Asset 0.10
LKFN's Equity-to-Asset is ranked higher than
52% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. LKFN: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
LKFN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.11
Current: 0.1
0.05
0.11
Interest Coverage 3.77
LKFN's Interest Coverage is ranked higher than
73% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. LKFN: 3.77 )
Ranked among companies with meaningful Interest Coverage only.
LKFN' s Interest Coverage Range Over the Past 10 Years
Min: 0.43  Med: 1.75 Max: 4.42
Current: 3.77
0.43
4.42
Piotroski F-Score: 6
Beneish M-Score: -2.24
WACC vs ROIC
7.84%
14.49%
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 : 8/10

vs
industry
vs
history
Operating Margin % 51.02
LKFN's Operating Margin % is ranked higher than
87% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. LKFN: 51.02 )
Ranked among companies with meaningful Operating Margin % only.
LKFN' s Operating Margin % Range Over the Past 10 Years
Min: 27.16  Med: 43.15 Max: 51.02
Current: 51.02
27.16
51.02
Net Margin % 34.41
LKFN's Net Margin % is ranked higher than
82% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. LKFN: 34.41 )
Ranked among companies with meaningful Net Margin % only.
LKFN' s Net Margin % Range Over the Past 10 Years
Min: 18.51  Med: 29.1 Max: 34.41
Current: 34.41
18.51
34.41
ROE % 12.56
LKFN's ROE % is ranked higher than
78% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. LKFN: 12.56 )
Ranked among companies with meaningful ROE % only.
LKFN' s ROE % Range Over the Past 10 Years
Min: 7.58  Med: 12.47 Max: 13.9
Current: 12.56
7.58
13.9
ROA % 1.30
LKFN's ROA % is ranked higher than
78% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. LKFN: 1.30 )
Ranked among companies with meaningful ROA % only.
LKFN' s ROA % Range Over the Past 10 Years
Min: 0.77  Med: 1.15 Max: 1.32
Current: 1.3
0.77
1.32
3-Year Revenue Growth Rate 7.00
LKFN's 3-Year Revenue Growth Rate is ranked higher than
66% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. LKFN: 7.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
LKFN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -4.7  Med: 6 Max: 12.4
Current: 7
-4.7
12.4
3-Year EBITDA Growth Rate 9.00
LKFN's 3-Year EBITDA Growth Rate is ranked higher than
59% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. LKFN: 9.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
LKFN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -3.6  Med: 9 Max: 15.7
Current: 9
-3.6
15.7
3-Year EPS without NRI Growth Rate 9.70
LKFN's 3-Year EPS without NRI Growth Rate is ranked higher than
57% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. LKFN: 9.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
LKFN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -5.9  Med: 9.2 Max: 20.8
Current: 9.7
-5.9
20.8
GuruFocus has detected 6 Warning Signs with Lakeland Financial Corp $LKFN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» LKFN's 10-Y Financials

Financials (Next Earnings Date: 2017-04-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

LKFN Guru Trades in Q1 2016

Jim Simons 88,900 sh (+20.14%)
Columbia Wanger 335,494 sh (-57.95%)
» More
Q2 2016

LKFN Guru Trades in Q2 2016

Columbia Wanger 317,473 sh (-5.37%)
Jim Simons 81,700 sh (-8.10%)
» More
Q3 2016

LKFN Guru Trades in Q3 2016

Columbia Wanger 507,295 sh (+6.53%)
Jim Simons 87,400 sh (-28.68%)
» More
Q4 2016

LKFN Guru Trades in Q4 2016

Columbia Wanger 568,092 sh (+11.98%)
Jim Simons 71,400 sh (-18.31%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BRKL, NAS:PPBI, NAS:BUSE, NAS:HAFC, NAS:STBZ, NYSE:FCF, NAS:CFNL, NYSE:BANC, NAS:SASR, NAS:CHCO, NAS:EFSC, NAS:SRCE, NAS:IBTX, NAS:BNCL, NAS:SYBT, NAS:STBA, NYSE:CUBI, NAS:SBSI, NYSE:CPF, NYSE:FBP » details
Lakeland Financial Corp is a bank holding company, which provides commercial, retail, wealth advisory and investment management services. Its wholly-owned subsidiary is Lake City Bank.

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.

Ratios

vs
industry
vs
history
PE Ratio 22.33
LKFN's PE Ratio is ranked lower than
82% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. LKFN: 22.33 )
Ranked among companies with meaningful PE Ratio only.
LKFN' s PE Ratio Range Over the Past 10 Years
Min: 10.36  Med: 15.02 Max: 25.32
Current: 22.33
10.36
25.32
Forward PE Ratio 19.34
LKFN's Forward PE Ratio is ranked lower than
87% of the 407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.26 vs. LKFN: 19.34 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 22.33
LKFN's PE Ratio without NRI is ranked lower than
82% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. LKFN: 22.33 )
Ranked among companies with meaningful PE Ratio without NRI only.
LKFN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.43  Med: 15.07 Max: 25.32
Current: 22.33
10.43
25.32
Price-to-Owner-Earnings 20.19
LKFN's Price-to-Owner-Earnings is ranked lower than
75% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. LKFN: 20.19 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
LKFN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.73  Med: 14.43 Max: 164.93
Current: 20.19
8.73
164.93
PB Ratio 2.45
LKFN's PB Ratio is ranked lower than
93% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. LKFN: 2.45 )
Ranked among companies with meaningful PB Ratio only.
LKFN' s PB Ratio Range Over the Past 10 Years
Min: 1.2  Med: 1.75 Max: 2.78
Current: 2.45
1.2
2.78
PS Ratio 7.69
LKFN's PS Ratio is ranked lower than
93% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. LKFN: 7.69 )
Ranked among companies with meaningful PS Ratio only.
LKFN' s PS Ratio Range Over the Past 10 Years
Min: 1.99  Med: 3.87 Max: 8.71
Current: 7.69
1.99
8.71
Price-to-Free-Cash-Flow 22.48
LKFN's Price-to-Free-Cash-Flow is ranked lower than
84% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. LKFN: 22.48 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
LKFN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.22  Med: 10.87 Max: 25.49
Current: 22.48
6.22
25.49
Price-to-Operating-Cash-Flow 18.80
LKFN's Price-to-Operating-Cash-Flow is ranked lower than
83% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. LKFN: 18.80 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
LKFN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.41  Med: 9.82 Max: 21.31
Current: 18.8
5.41
21.31
EV-to-EBIT 14.23
LKFN's EV-to-EBIT is ranked lower than
59% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. LKFN: 14.23 )
Ranked among companies with meaningful EV-to-EBIT only.
LKFN' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.1  Med: 10.6 Max: 18.1
Current: 14.23
4.1
18.1
EV-to-EBITDA 13.46
LKFN's EV-to-EBITDA is ranked lower than
60% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. LKFN: 13.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
LKFN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.8  Med: 9.9 Max: 17
Current: 13.46
3.8
17
PEG Ratio 2.42
LKFN's PEG Ratio is ranked lower than
68% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. LKFN: 2.42 )
Ranked among companies with meaningful PEG Ratio only.
LKFN' s PEG Ratio Range Over the Past 10 Years
Min: 1.11  Med: 2.02 Max: 157
Current: 2.42
1.11
157
Shiller PE Ratio 29.74
LKFN's Shiller PE Ratio is ranked lower than
76% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. LKFN: 29.74 )
Ranked among companies with meaningful Shiller PE Ratio only.
LKFN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.38  Med: 16.75 Max: 33.77
Current: 29.74
11.38
33.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.81
LKFN's Dividend Yield % is ranked lower than
73% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. LKFN: 1.81 )
Ranked among companies with meaningful Dividend Yield % only.
LKFN' s Dividend Yield % Range Over the Past 10 Years
Min: 1.41  Med: 2.36 Max: 4.12
Current: 1.81
1.41
4.12
Dividend Payout Ratio 0.35
LKFN's Dividend Payout Ratio is ranked lower than
54% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. LKFN: 0.35 )
Ranked among companies with meaningful Dividend Payout Ratio only.
LKFN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.25  Med: 0.35 Max: 0.49
Current: 0.35
0.25
0.49
3-Year Dividend Growth Rate 24.10
LKFN's 3-Year Dividend Growth Rate is ranked higher than
80% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. LKFN: 24.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
LKFN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -6.9  Med: 9.8 Max: 33.6
Current: 24.1
-6.9
33.6
Forward Dividend Yield % 1.80
LKFN's Forward Dividend Yield % is ranked lower than
76% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. LKFN: 1.80 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.01
LKFN's 5-Year Yield-on-Cost % is ranked lower than
56% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. LKFN: 3.01 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
LKFN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.34  Med: 3.92 Max: 6.85
Current: 3.01
2.34
6.85
3-Year Average Share Buyback Ratio -0.50
LKFN's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. LKFN: -0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
LKFN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.9  Med: -0.6 Max: 0.3
Current: -0.5
-9.9
0.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.48
LKFN's Price-to-Tangible-Book is ranked lower than
90% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. LKFN: 2.48 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
LKFN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.25  Med: 2 Max: 3.62
Current: 2.48
1.25
3.62
Price-to-Intrinsic-Value-Projected-FCF 1.26
LKFN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
83% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. LKFN: 1.26 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
LKFN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.89 Max: 1.43
Current: 1.26
0.45
1.43
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.66
LKFN's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
93% of the 138 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. LKFN: 1.66 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.98
LKFN's Price-to-Median-PS-Value is ranked lower than
93% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. LKFN: 1.98 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
LKFN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.41  Med: 0.93 Max: 2.24
Current: 1.98
0.41
2.24
Price-to-Peter-Lynch-Fair-Value 3.27
LKFN's Price-to-Peter-Lynch-Fair-Value is ranked lower than
94% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. LKFN: 3.27 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
LKFN' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.61  Med: 1.49 Max: 3.69
Current: 3.27
0.61
3.69
Price-to-Graham-Number 1.57
LKFN's Price-to-Graham-Number is ranked lower than
89% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. LKFN: 1.57 )
Ranked among companies with meaningful Price-to-Graham-Number only.
LKFN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.67  Med: 1.17 Max: 1.73
Current: 1.57
0.67
1.73
Earnings Yield (Greenblatt) % 6.97
LKFN's Earnings Yield (Greenblatt) % is ranked higher than
55% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. LKFN: 6.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
LKFN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 5.5  Med: 9.4 Max: 24.4
Current: 6.97
5.5
24.4
Forward Rate of Return (Yacktman) % 11.08
LKFN's Forward Rate of Return (Yacktman) % is ranked lower than
51% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. LKFN: 11.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
LKFN' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 8.3  Med: 14.25 Max: 20.7
Current: 11.08
8.3
20.7

More Statistics

Revenue (TTM) (Mil) $151.3
EPS (TTM) $ 1.88
Beta0.69
Short Percentage of Float3.92%
52-Week Range $28.94 - 48.88
Shares Outstanding (Mil)25.18

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 169 185
EPS ($) 2.18 2.40
EPS without NRI ($) 2.18 2.40
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.80 0.84
» 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 

More From Other Websites
LAKELAND FINANCIAL CORP Financials Mar 07 2017
LAKELAND FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 01 2017
LAKELAND FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Jan 25 2017
Lakeland Financial tops Street 4Q forecasts Jan 25 2017
Lakeland Financial tops Street 4Q forecasts Jan 25 2017
Lakeland Financial Reports Record Quarterly and Annual Net Income Jan 25 2017
Q4 2016 Lakeland Financial Corp Earnings Release - 08:00 am ET Jan 25 2017
LAKELAND FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Jan 10 2017
Do Hedge Funds Love Lakeland Financial Corporation (LKFN)? Dec 12 2016
Should You Avoid CNOOC Ltd (ADR) (CEO)? Dec 12 2016
Lake City Bank’s David M. Findlay Appointed to the American Bankers Association Community Bankers... Nov 21 2016
How Lakeland Financial (LKFN) Stock Stands Out in a Strong Industry Nov 18 2016
LAKELAND FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 09 2016
Lake City Bank’s Joe Kessie Named Chair of Agricultural and Rural Bankers Committee Nov 02 2016
LAKELAND FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Nov 01 2016
LAKELAND FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Oct 25 2016
Lakeland Financial Reports Record Performance Oct 25 2016
LAKELAND FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Oct 11 2016
ETF’s with exposure to Lakeland Financial Corp. : August 10, 2016 Aug 10 2016
LAKELAND FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 09 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)