LKFN (Lakeland Financial) Margin of Safety % (DCF Earnings Based): -4.73% (As of Jun. 25, 2026)


LKFN Lakeland Financial Corp LKFN
65 GF Score
Price $61.54
GF Value $67.47
Valuation Fairly Valued
! 2 Warning Signs
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What is Lakeland Financial Margin of Safety % (DCF Earnings Based)?

Lakeland Financial LKFN +0.51% 65 Margin of Safety % (DCF Earnings Based) is -4.73% as of Jun. 25, 2026. GuruFocus rates LKFN with a GF Score™ of 65/100 and a GF Value™ of $67.47 (Fairly Valued). The stock has 2 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Lakeland Financial's Predictability Rank is 3-Stars. Lakeland Financial's intrinsic value calculated from the Discounted Earnings model is $58.76 and current share price is $61.54. Consequently,

Lakeland Financial's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -4.73%.

LKFN vs CNOB, BY, QCRH: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Lakeland Financial's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Lakeland Financial's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Lakeland Financial's Margin of Safety % (DCF Earnings Based) falls into.


LKFN
65GF Score
Lakeland Financial Corp LKFN
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Lakeland Financial Margin of Safety % (DCF Earnings Based) Calculation

Lakeland Financial's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(58.76-61.54)/58.76
=-4.73 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -4.73% mean?
Lakeland Financial (LKFN) has a Margin of Safety % (DCF Earnings Based) of -4.73% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Lakeland Financial.
Is Lakeland Financial's Margin of Safety % (DCF Earnings Based) too high?
Lakeland Financial's current Margin of Safety % (DCF Earnings Based) is -4.73%. Overall, Lakeland Financial has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lakeland Financial's Margin of Safety % (DCF Earnings Based) compare to CNOB and BY?
Lakeland Financial's Margin of Safety % (DCF Earnings Based) of -4.73% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Lakeland Financial. Lakeland Financial's current Margin of Safety % (DCF Earnings Based) is -4.73%. 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 Fairly Valued. The stock's GF Value™ is $67.47, compared to a current price of $61.54 — trading 8.8% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is -4.73%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current Margin of Safety % (DCF Earnings Based) is -4.73% as of Jun. 25, 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 $61.54 is trading 8.8% below its estimated GF Value™ of $67.47. GuruFocus considers Lakeland Financial to be Fairly Valued.

Key valuation signals for LKFN:

  • Margin of Safety % (DCF Earnings Based): -4.73%
  • GF Value™: $67.47 vs. price of $61.54 (8.8% below fair value)
  • GF Score™: 65/100 with 2 warning signs

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 Business Description

Address 202 East Center Street, P.O.Box 1387, Warsaw, IN, USA, 46581-1387
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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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$61.54
Price
$67.47
GF Value