Lakeland FinancialLKFN +0.51%65 Net Margin % is 37.99% as of Mar. 2026, which is 6% below its 10-year median of 40.43. 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. Among 1,526 Banks companies, Lakeland Financial ranks better than 84.01% on this metric.
The historical rank and industry rank for Lakeland Financial's Net Margin % or its related term are showing as below:
LKFN'
s Net Margin % Range Over the Past 10 Years
Min: 35.02 Med: 40.43 Max: 45.9
Current: 39.93
LKFN's Net Margin % is ranked better than 84.01% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs LKFN: 39.93
Lakeland Financial (NAS:LKFN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Lakeland Financial Net Margin % Related Terms
Lakeland Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Lakeland Financial's Net Margin % 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.
For the Banks - Regional subindustry, Lakeland Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lakeland Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Lakeland Financial's Net Margin % 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.
Lakeland Financial (LKFN) has a Net Margin % of 37.99% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Lakeland Financial and its competitors. This is near median its historical median of 40.43. Over the past decade, Lakeland Financial's Net Margin % has ranged from 35.02 to 45.90. According to the industry distribution chart, Lakeland Financial ranks #244 out of 1526 companies in the Banks industry, placing it in the top 16%.
Is Lakeland Financial's Net Margin % too high?
Lakeland Financial's current Net Margin % of 37.99% is near median its 10-year median of 40.43. Over the past 10 years, this metric has ranged from a low of 35.02 to a high of 45.90. The Banks industry median Net Margin % is 26.97. Lakeland Financial's value of 37.99% is 40.9% above this industry median. Based on the distribution chart, Lakeland Financial ranks #244 out of 1526 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 Net Margin % compare to CNOB and BY?
According to the Banks industry distribution chart, Lakeland Financial ranks #244 out of 1526 companies for Net Margin %. This places Lakeland Financial in the top 16% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. Lakeland Financial's value of 37.99% is 40.9% above this benchmark. Historically, Lakeland Financial's own Net Margin % has ranged from 35.02 to 45.90 over the past decade. While the company's 10-year median is 40.43 vs. the industry median of 26.97, Lakeland Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lakeland Financial's current Net Margin % of 37.99% is 40.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Lakeland Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lakeland Financial's current Net Margin % is 37.99%, which is near median its own 10-year median of 40.43. 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 Net Margin % is 37.99%, which is near median its 10-year median of 40.43 and 40.9% above the Banks industry median of 26.97. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current Net Margin % is 37.99% 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 $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:
Net Margin %: 37.99% (near median its 10-year median of 40.43)
GF Value™: $67.47 vs. price of $61.54 (8.8% below fair value)
Industry Position: 40.9% above the Banks median (#244 of 1526)
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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