Lakeland FinancialLKFN -1.16%65 Net Debt Paydown Yield % is 1.90% as of Jul. 05, 2026, which is 265% above its 10-year median of 0.52. GuruFocus rates LKFN with a GF Score™ of 65/100 and a GF Value™ of $67.63 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,420 Banks companies, Lakeland Financial ranks better than 68.17% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Lakeland Financial's Net Debt Paydown Yield % was 1.90%.
Lakeland Financial (NAS:LKFN) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Lakeland Financial Net Debt Paydown Yield % Related Terms
Lakeland Financial Net Debt Paydown Yield % Historical Data
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The historical data trend for Lakeland Financial's Net Debt Paydown Yield % 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.
LKFN vs OBK, QCRH, BFC: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Lakeland Financial's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Lakeland Financial's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Lakeland Financial's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 1.90% mean?
Lakeland Financial (LKFN) has a Net Debt Paydown Yield % of 1.90% as of Jul. 05, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Lakeland Financial and its competitors. This is 265% above median its historical median of 0.52. According to the industry distribution chart, Lakeland Financial ranks #452 out of 1420 companies in the Banks industry, placing it in the top 31.8%.
Is Lakeland Financial's Net Debt Paydown Yield % too high?
Lakeland Financial's current Net Debt Paydown Yield % of 1.90% is 265% above median its 10-year median of 0.52. Based on the distribution chart, Lakeland Financial ranks #452 out of 1420 companies in the Banks industry, which is above the industry midpoint. 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 Net Debt Paydown Yield % compare to OBK and QCRH?
According to the Banks industry distribution chart, Lakeland Financial ranks #452 out of 1420 companies for Net Debt Paydown Yield %. This puts Lakeland Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Lakeland Financial and its competitors. Lakeland Financial's current Net Debt Paydown Yield % is 1.90%, which is 265% above median its own 10-year median of 0.52. 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 $67.63, compared to a current price of $62.40 — trading 7.7% below its estimated fair value. The current Net Debt Paydown Yield % is 1.90%, which is 265% above median its 10-year median of 0.52. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current Net Debt Paydown Yield % is 1.90% as of Jul. 05, 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 $62.40 is trading 7.7% below its estimated GF Value™ of $67.63.
GuruFocus considers Lakeland Financial to be Fairly Valued.
Key valuation signals for LKFN:
Net Debt Paydown Yield %: 1.90% (265% above median its 10-year median of 0.52)
GF Value™: $67.63 vs. price of $62.40 (7.7% 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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