Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Lakeland Financial's current 3-Year Share Buyback Ratio was 0.20%.
The historical rank and industry rank for Lakeland Financial's 3-Year Share Buyback Ratio or its related term are showing as below:
LKFN'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -9.9 Med: -0.4 Max: 0.3
Current: 0.2
During the past 13 years, Lakeland Financial's highest 3-Year Share Buyback Ratio was 0.30%. The lowest was -9.90%. And the median was -0.40%.
LKFN's 3-Year Share Buyback Ratio is ranked better than 62.98% of 1040
companies
in the Banks industry
Industry Median: -0.2
vs LKFN: 0.20
Lakeland Financial (NAS:LKFN) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Lakeland Financial 3-Year Share Buyback Ratio Related Terms
LKFN vs AMAL, TMP, PEBO: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Lakeland Financial's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Lakeland Financial's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Lakeland Financial's 3-Year Share Buyback Ratio falls into.
Lakeland Financial 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.20 mean?
Lakeland Financial (LKFN) has a 3-Year Share Buyback Ratio of 0.20 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Lakeland Financial and its competitors. According to the industry distribution chart, Lakeland Financial ranks #385 out of 1040 companies in the Banks industry, placing it in the top 37%.
Is Lakeland Financial's 3-Year Share Buyback Ratio too high?
Lakeland Financial's current 3-Year Share Buyback Ratio is 0.20. Based on the distribution chart, Lakeland Financial ranks #385 out of 1040 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 3-Year Share Buyback Ratio compare to AMAL and TMP?
According to the Banks industry distribution chart, Lakeland Financial ranks #385 out of 1040 companies for 3-Year Share Buyback Ratio. 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 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Lakeland Financial and its competitors. Lakeland Financial's current 3-Year Share Buyback Ratio is 0.20. 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 $67.70, compared to a current price of $61.86 — trading 8.6% below its estimated fair value. The current 3-Year Share Buyback Ratio is 0.20. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current 3-Year Share Buyback Ratio is 0.20 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 $61.86 is trading 8.6% below its estimated GF Value™ of $67.70.
GuruFocus considers Lakeland Financial to be Fairly Valued.
Key valuation signals for LKFN:
3-Year Share Buyback Ratio: 0.20
GF Value™: $67.70 vs. price of $61.86 (8.6% 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
Get the complete analysis for LKFN
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LKFN has been successfully added to your 
