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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 3.52
LKFN's Cash to Debt is ranked lower than
59% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. LKFN: 3.52 )
Ranked among companies with meaningful Cash to Debt only.
LKFN' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.90 Max: N/A
Current: 3.52
Equity to Asset 0.11
LKFN's Equity to Asset is ranked higher than
60% of the 1602 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 Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.11
Current: 0.11
0.05
0.11
Interest Coverage 4.01
LKFN's Interest Coverage is ranked higher than
76% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. LKFN: 4.01 )
Ranked among companies with meaningful Interest Coverage only.
LKFN' s Interest Coverage Range Over the Past 10 Years
Min: 0.43  Med: 1.05 Max: 4.42
Current: 4.01
0.43
4.42
F-Score: 4
M-Score: -2.36
WACC vs ROIC
7.64%
13.17%
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 (%) 50.81
LKFN's Operating margin (%) is ranked higher than
85% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. LKFN: 50.81 )
Ranked among companies with meaningful Operating margin (%) only.
LKFN' s Operating margin (%) Range Over the Past 10 Years
Min: 27.16  Med: 39.86 Max: 50.01
Current: 50.81
27.16
50.01
Net-margin (%) 34.20
LKFN's Net-margin (%) is ranked higher than
78% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. LKFN: 34.20 )
Ranked among companies with meaningful Net-margin (%) only.
LKFN' s Net-margin (%) Range Over the Past 10 Years
Min: 18.51  Med: 26.47 Max: 33.1
Current: 34.2
18.51
33.1
ROE (%) 12.35
LKFN's ROE (%) is ranked higher than
74% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. LKFN: 12.35 )
Ranked among companies with meaningful ROE (%) only.
LKFN' s ROE (%) Range Over the Past 10 Years
Min: 7.58  Med: 12.68 Max: 16.7
Current: 12.35
7.58
16.7
ROA (%) 1.30
LKFN's ROA (%) is ranked higher than
74% of the 1625 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: 1.09 Max: 1.32
Current: 1.3
0.77
1.32
Revenue Growth (3Y)(%) 4.10
LKFN's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. LKFN: 4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LKFN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.7  Med: 6.15 Max: 95.3
Current: 4.1
-4.7
95.3
EBITDA Growth (3Y)(%) 12.70
LKFN's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. LKFN: 12.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LKFN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.6  Med: 10.20 Max: 15.7
Current: 12.7
-3.6
15.7
EPS Growth (3Y)(%) 11.60
LKFN's EPS Growth (3Y)(%) is ranked higher than
62% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. LKFN: 11.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LKFN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.9  Med: 9.10 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
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

LKFN Guru Trades in Q2 2015

Jim Simons 39,000 sh (+40.79%)
Columbia Wanger 968,166 sh (+1.52%)
» More
Q3 2015

LKFN Guru Trades in Q3 2015

Jim Simons 55,800 sh (+43.08%)
Columbia Wanger 1,001,902 sh (+3.48%)
» More
Q4 2015

LKFN Guru Trades in Q4 2015

Jim Simons 74,000 sh (+32.62%)
Columbia Wanger 797,811 sh (-20.37%)
» More
Q1 2016

LKFN Guru Trades in Q1 2016

Jim Simons 88,900 sh (+20.14%)
Columbia Wanger 335,494 sh (-57.95%)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:STBZ, NAS:BRKL, NYSE:FCF, NAS:SBSI, NAS:BUSE, NAS:HAFC, NAS:IBTX, NAS:CSFL, NAS:WIBC, NAS:CFNL, NAS:SRCE, NAS:STBA, NAS:HTLF, NYSE:CPF, NYSE:BANC, NAS:ORIT, NAS:NFBK, NAS:SASR, NYSE:CUBI, NAS:CHCO » 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
P/E(ttm) 17.71
LKFN's P/E(ttm) is ranked lower than
73% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. LKFN: 17.71 )
Ranked among companies with meaningful P/E(ttm) only.
LKFN' s P/E(ttm) Range Over the Past 10 Years
Min: 10.36  Med: 14.84 Max: 18.18
Current: 17.71
10.36
18.18
Forward P/E 17.33
LKFN's Forward P/E is ranked lower than
85% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. LKFN: 17.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.71
LKFN's PE(NRI) is ranked lower than
72% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. LKFN: 17.71 )
Ranked among companies with meaningful PE(NRI) only.
LKFN' s PE(NRI) Range Over the Past 10 Years
Min: 10.36  Med: 14.84 Max: 18.18
Current: 17.71
10.36
18.18
Price/Owner Earnings (ttm) 18.49
LKFN's Price/Owner Earnings (ttm) is ranked lower than
72% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. LKFN: 18.49 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
LKFN' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.87  Med: 14.08 Max: 164.16
Current: 18.49
8.87
164.16
P/B 2.03
LKFN's P/B is ranked lower than
87% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. LKFN: 2.03 )
Ranked among companies with meaningful P/B only.
LKFN' s P/B Range Over the Past 10 Years
Min: 1.2  Med: 1.75 Max: 2.45
Current: 2.03
1.2
2.45
P/S 6.20
LKFN's P/S is ranked lower than
87% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. LKFN: 6.20 )
Ranked among companies with meaningful P/S only.
LKFN' s P/S Range Over the Past 10 Years
Min: 2.11  Med: 3.84 Max: 6.2
Current: 6.2
2.11
6.2
PFCF 18.37
LKFN's PFCF is ranked lower than
78% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. LKFN: 18.37 )
Ranked among companies with meaningful PFCF only.
LKFN' s PFCF Range Over the Past 10 Years
Min: 6.22  Med: 10.82 Max: 18.37
Current: 18.37
6.22
18.37
POCF 14.97
LKFN's POCF is ranked lower than
77% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. LKFN: 14.97 )
Ranked among companies with meaningful POCF only.
LKFN' s POCF Range Over the Past 10 Years
Min: 5.42  Med: 9.75 Max: 15.63
Current: 14.97
5.42
15.63
EV-to-EBIT 11.89
LKFN's EV-to-EBIT is ranked higher than
56% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. LKFN: 11.89 )
Ranked among companies with meaningful EV-to-EBIT only.
LKFN' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.1  Med: 10.70 Max: 21.6
Current: 11.89
4.1
21.6
EV-to-EBITDA 11.17
LKFN's EV-to-EBITDA is ranked higher than
54% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. LKFN: 11.17 )
Ranked among companies with meaningful EV-to-EBITDA only.
LKFN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.9  Med: 9.80 Max: 20
Current: 11.17
3.9
20
PEG 1.38
LKFN's PEG is ranked lower than
55% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. LKFN: 1.38 )
Ranked among companies with meaningful PEG only.
LKFN' s PEG Range Over the Past 10 Years
Min: 1.13  Med: 1.62 Max: 34.93
Current: 1.38
1.13
34.93
Shiller P/E 24.88
LKFN's Shiller P/E is ranked lower than
74% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. LKFN: 24.88 )
Ranked among companies with meaningful Shiller P/E only.
LKFN' s Shiller P/E Range Over the Past 10 Years
Min: 11.29  Med: 16.68 Max: 24.89
Current: 24.88
11.29
24.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.06
LKFN's Dividend Yield is ranked lower than
68% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. LKFN: 2.06 )
Ranked among companies with meaningful Dividend Yield only.
LKFN' s Dividend Yield Range Over the Past 10 Years
Min: 1.41  Med: 2.38 Max: 4.13
Current: 2.06
1.41
4.13
Dividend Payout 0.35
LKFN's Dividend Payout is ranked lower than
53% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. LKFN: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
LKFN' s Dividend Payout Range Over the Past 10 Years
Min: 0.2  Med: 0.33 Max: 0.73
Current: 0.35
0.2
0.73
Dividend Growth (3y) 9.80
LKFN's Dividend Growth (3y) is ranked higher than
54% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. LKFN: 9.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
LKFN' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -6.9  Med: 9.70 Max: 44.2
Current: 9.8
-6.9
44.2
Forward Dividend Yield 2.18
LKFN's Forward Dividend Yield is ranked lower than
70% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. LKFN: 2.18 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.53
LKFN's Yield on cost (5-Year) is ranked lower than
64% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. LKFN: 2.53 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LKFN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.73  Med: 2.92 Max: 5.07
Current: 2.53
1.73
5.07
3-Year Average Share Buyback Ratio -0.70
LKFN's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. LKFN: -0.70 )
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: -0.65 Max: 0.3
Current: -0.7
-9.9
0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.07
LKFN's Price/Tangible Book is ranked lower than
84% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. LKFN: 2.07 )
Ranked among companies with meaningful Price/Tangible Book only.
LKFN' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.22  Med: 1.89 Max: 3.78
Current: 2.07
1.22
3.78
Price/Projected FCF 1.01
LKFN's Price/Projected FCF is ranked lower than
76% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. LKFN: 1.01 )
Ranked among companies with meaningful Price/Projected FCF only.
LKFN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.46  Med: 0.83 Max: 1.02
Current: 1.01
0.46
1.02
Price/Median PS Value 1.61
LKFN's Price/Median PS Value is ranked lower than
89% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. LKFN: 1.61 )
Ranked among companies with meaningful Price/Median PS Value only.
LKFN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.36  Med: 0.90 Max: 4.58
Current: 1.61
0.36
4.58
Price/Peter Lynch Fair Value 1.49
LKFN's Price/Peter Lynch Fair Value is ranked lower than
75% of the 434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. LKFN: 1.49 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
LKFN' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.48  Med: 1.37 Max: 2.54
Current: 1.49
0.48
2.54
Price/Graham Number 1.28
LKFN's Price/Graham Number is ranked lower than
80% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. LKFN: 1.28 )
Ranked among companies with meaningful Price/Graham Number only.
LKFN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.61  Med: 1.10 Max: 1.65
Current: 1.28
0.61
1.65
Earnings Yield (Greenblatt) (%) 8.39
LKFN's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. LKFN: 8.39 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LKFN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.6  Med: 9.40 Max: 24.4
Current: 8.39
4.6
24.4
Forward Rate of Return (Yacktman) (%) 18.04
LKFN's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. LKFN: 18.04 )
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  Med: 16.00 Max: 19.9
Current: 18.04
8
19.9

More Statistics

Revenue (TTM) (Mil) $143.1
EPS (TTM) $ 2.90
Beta0.84
Short Percentage of Float5.28%
52-Week Range $39.01 - 51.85
Shares Outstanding (Mil)16.70

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.96 3.05
EPS w/o NRI ($) 2.96 3.05
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 1.09 1.20
» 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. :LKFN-US: Earnings Analysis: Q2, 2016 By the Numbers : July 26, 2016 Jul 26 2016
LAKELAND FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Jul 25 2016
Lakeland Financial Reports Record Performance Jul 25 2016
Lakeland Financial beats Street 2Q forecasts Jul 25 2016
Lakeland Financial beats Street 2Q forecasts Jul 25 2016
Lakeland Financial Reports Record Performance Jul 25 2016
Q2 2016 Lakeland Financial Corp Earnings Release - 08:00 am ET Jul 25 2016
Midwest Banks' Q2 Earnings to Watch: PRK, LKFN, HTLF & More Jul 22 2016
Lakeland Financial Corporation to Present at the Keefe, Bruyette & Woods 2016 Community Bank... Jul 21 2016
LAKELAND FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Jul 13 2016
Lake City Bank Parent Announces 14% Increase in Cash Dividend and Stock Split Jul 13 2016
Lakeland Financial Corp. breached its 50 day moving average in a Bullish Manner : LKFN-US : July 13,... Jul 13 2016
Lakeland Financial Corp. breached its 50 day moving average in a Bearish Manner : LKFN-US : June 27,... Jun 27 2016
Lakeland Financial Corp. breached its 50 day moving average in a Bearish Manner : LKFN-US : June 15,... Jun 15 2016
LAKELAND FINANCIAL CORP Financials May 18 2016
LAKELAND FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 10 2016
Lakeland Financial Corp. :LKFN-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 29 2016
LAKELAND FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 25 2016
Lakeland Financial posts 1Q profit Apr 25 2016
Lakeland Financial posts 1Q profit Apr 25 2016

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