Lakeland Financial (NAS:LKFN) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Lakeland Financial Effective Interest Rate on Debt % Related Terms
Lakeland Financial Effective Interest Rate on Debt % Historical Data
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The historical data trend for Lakeland Financial's Effective Interest Rate on Debt % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Lakeland Financial Effective Interest Rate on Debt % Chart
LKFN vs OBK, QCRH, BFC: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Lakeland Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Lakeland Financial Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Lakeland Financial's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Lakeland Financial's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 111.61% mean?
Lakeland Financial (LKFN) has a Effective Interest Rate on Debt % of 111.61% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Lakeland Financial and its competitors.
Is Lakeland Financial's Effective Interest Rate on Debt % too high?
Lakeland Financial's current Effective Interest Rate on Debt % is 111.61%. Overall, Lakeland Financial has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lakeland Financial's Effective Interest Rate on Debt % compare to OBK and QCRH?
Lakeland Financial's Effective Interest Rate on Debt % of 111.61% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Lakeland Financial and its competitors. Lakeland Financial's current Effective Interest Rate on Debt % is 111.61%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lakeland Financial stock overvalued right now?
Based on GuruFocus' analysis, Lakeland Financial (LKFN) is currently considered Modestly Undervalued. The stock's GF Value™ is $67.69, compared to a current price of $58.80 — trading 13.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 111.61%. Lakeland Financial's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current Effective Interest Rate on Debt % is 111.61% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Lakeland Financial (LKFN) Overvalued in 2026?
Based on GuruFocus' analysis, Lakeland Financial stock appears to be undervalued.
The current stock price of $58.80 is trading 13.1% below its estimated GF Value™ of $67.69.
GuruFocus considers Lakeland Financial to be Modestly Undervalued.
Key valuation signals for LKFN:
Effective Interest Rate on Debt %: 111.61%
GF Value™: $67.69 vs. price of $58.80 (13.1% below fair value)
No single metric tells the full story. See the LKFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lakeland Financial Corp is a bank holding company. It provides commercial, retail, wealth advisory, and investment management services. It offers a broad line of products and services throughout its Northern and Central Indiana markets. The company provides commercial and consumer banking services, as well as trust and wealth management, brokerage, and treasury management commercial services. It serves a wide variety of industries including, among others, commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare. The company's revenue is derived from the business of banking.
65GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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