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Lakeland FinancialLKFN -0.93%66 OCF Margin % is 34.40% as of Jun. 2026, which is 26% below its 10-year median of 46.68. GuruFocus rates LKFN with a GF Score™ of 66/100 and a GF Value™ of $67.68 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,498 Banks companies, Lakeland Financial ranks better than 70.83% on this metric.
The historical data trend for Lakeland Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lakeland Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Lakeland Financial's OCF 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 OCF Margin % of 34.40% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Lakeland Financial and its competitors. This is 26% below median its historical median of 46.68. Over the past decade, Lakeland Financial's OCF Margin % has ranged from 40.42 to 69.19. According to the industry distribution chart, Lakeland Financial ranks #437 out of 1498 companies in the Banks industry, placing it in the top 29.2%.
Is Lakeland Financial's OCF Margin % too high?
Lakeland Financial's current OCF Margin % of 34.40% is 26% below median its 10-year median of 46.68. Over the past 10 years, this metric has ranged from a low of 40.42 to a high of 69.19. The Banks industry median OCF Margin % is 29.71. Lakeland Financial's value of 34.40% is 15.8% above this industry median. Based on the distribution chart, Lakeland Financial ranks #437 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Lakeland Financial has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lakeland Financial's OCF Margin % compare to AMAL and TMP?
According to the Banks industry distribution chart, Lakeland Financial ranks #437 out of 1498 companies for OCF Margin %. This puts Lakeland Financial in the upper half of its industry. The industry median OCF Margin % is 29.71. Lakeland Financial's value of 34.40% is 15.8% above this benchmark. Historically, Lakeland Financial's own OCF Margin % has ranged from 40.42 to 69.19 over the past decade. While the company's 10-year median is 46.68 vs. the industry median of 29.71, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.71, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lakeland Financial's current OCF Margin % of 34.40% is 15.8% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Lakeland Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lakeland Financial's current OCF Margin % is 34.40%, which is 26% below median its own 10-year median of 46.68. 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 $67.68, compared to a current price of $61.73 — trading 8.8% below its estimated fair value. The current OCF Margin % is 34.40%, which is 26% below median its 10-year median of 46.68 and 15.8% above the Banks industry median of 29.71. Lakeland Financial's overall GF Score™ is 66/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current OCF Margin % is 34.40% as of Jun. 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 $61.73 is trading 8.8% below its estimated GF Value™ of $67.68.
GuruFocus considers Lakeland Financial to be Fairly Valued.
Key valuation signals for LKFN:
OCF Margin %: 34.40% (26% below median its 10-year median of 46.68)
GF Value™: $67.68 vs. price of $61.73 (8.8% below fair value)
Industry Position: 15.8% above the Banks median (#437 of 1498)
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.
66GF Score
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