Lakeland FinancialLKFN +1.69%65 Pretax Margin % is 46.70% as of Mar. 2026, which is 11% below its 10-year median of 52.59. 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 1,527 Banks companies, Lakeland Financial ranks better than 80.62% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Lakeland Financial Pretax Margin % Related Terms
Lakeland Financial Pretax Margin % Historical Data
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The historical data trend for Lakeland Financial's Pretax 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.
LKFN vs CNOB, BY, QCRH: Pretax Margin % Comparison
For the Banks - Regional subindustry, Lakeland Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lakeland Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Lakeland Financial's Pretax 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 Pretax Margin % of 46.70% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Lakeland Financial and its competitors. This is 11% below median its historical median of 52.59. Over the past decade, Lakeland Financial's Pretax Margin % has ranged from 44.05 to 56.63. According to the industry distribution chart, Lakeland Financial ranks #296 out of 1527 companies in the Banks industry, placing it in the top 19.4%.
Is Lakeland Financial's Pretax Margin % too high?
Lakeland Financial's current Pretax Margin % of 46.70% is 11% below median its 10-year median of 52.59. Over the past 10 years, this metric has ranged from a low of 44.05 to a high of 56.63. The Banks industry median Pretax Margin % is 34.88. Lakeland Financial's value of 46.70% is 33.9% above this industry median. Based on the distribution chart, Lakeland Financial ranks #296 out of 1527 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 Pretax Margin % compare to CNOB and BY?
According to the Banks industry distribution chart, Lakeland Financial ranks #296 out of 1527 companies for Pretax Margin %. This places Lakeland Financial in the top 19% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Lakeland Financial's value of 46.70% is 33.9% above this benchmark. Historically, Lakeland Financial's own Pretax Margin % has ranged from 44.05 to 56.63 over the past decade. While the company's 10-year median is 52.59 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lakeland Financial's current Pretax Margin % of 46.70% is 33.9% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Lakeland Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lakeland Financial's current Pretax Margin % is 46.70%, which is 11% below median its own 10-year median of 52.59. 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 Pretax Margin % is 46.70%, which is 11% below median its 10-year median of 52.59 and 33.9% above the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current Pretax Margin % is 46.70% 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 $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:
Pretax Margin %: 46.70% (11% below median its 10-year median of 52.59)
GF Value™: $67.49 vs. price of $62.63 (7.2% below fair value)
Industry Position: 33.9% above the Banks median (#296 of 1527)
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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