LKFN (Lakeland Financial) Moat Score: 4/10 (As of Jun. 28, 2026)


LKFN Lakeland Financial Corp LKFN
65 GF Score
Price $62.63
GF Value $67.49
Valuation Fairly Valued
! 2 Warning Signs
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What is Lakeland Financial Moat Score?

Lakeland Financial LKFN +1.69% 65 Moat Score is 4 as of Jun. 28, 2026. GuruFocus rates LKFN with a GF Score™ of 65/100 and a GF Value™ of $67.49 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,614 Banks companies, Lakeland Financial ranks better than 86.25% on this metric.

Lakeland Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Lakeland Financial has Narrow Moat: Lakeland Financial Corp has a discernible but modest moat, primarily due to its regional market leadership and customer loyalty. It benefits from economies of scale in its local markets but lacks significant network effects or proprietary technology to ensure a stronger moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Lakeland Financial might have Narrow Moat - Discernible but modest moat.

Lakeland Financial  (NAS:LKFN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Lakeland Financial Moat Score Related Terms

LKFN vs CNOB, BY, QCRH: Moat Score Comparison

For the Banks - Regional subindustry, Lakeland Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Lakeland Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Lakeland Financial's Moat Score falls into.


LKFN
65GF Score
Lakeland Financial Corp LKFN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Lakeland Financial (LKFN) has a Moat Score of 4 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Lakeland Financial ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is Lakeland Financial's Moat Score too high?
Lakeland Financial's current Moat Score is 4. Based on the distribution chart, Lakeland Financial ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to CNOB and BY?
According to the Banks industry distribution chart, Lakeland Financial ranks #222 out of 1614 companies for Moat Score. This places Lakeland Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Lakeland Financial's current Moat Score is 4. 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 $67.49, compared to a current price of $62.63 — trading 7.2% below its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current Moat Score is 4 as of Jun. 28, 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 $62.63 is trading 7.2% below its estimated GF Value™ of $67.49. GuruFocus considers Lakeland Financial to be Fairly Valued.

Key valuation signals for LKFN:

  • Moat Score: 4
  • GF Value™: $67.49 vs. price of $62.63 (7.2% 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$62.63
Price
$67.49
GF Value