Lakeland FinancialLKFN +0.90%65 5-Year Yield-on-Cost % is 5.87 as of Jul. 09, 2026, which is 53% above its 10-year median of 3.84. GuruFocus rates LKFN with a GF Score™ of 65/100 and a GF Value™ of $67.71 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,254 Banks companies, Lakeland Financial ranks better than 71.45% on this metric.
Lakeland Financial's yield on cost for the quarter that ended in Mar. 2026 was 5.87.
The historical rank and industry rank for Lakeland Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
LKFN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.5 Med: 3.84 Max: 6.46
Current: 5.87
During the past 13 years, Lakeland Financial's highest Yield on Cost was 6.46. The lowest was 2.50. And the median was 3.84.
LKFN's 5-Year Yield-on-Cost % is ranked better than 71.45% of 1254
companies
in the Banks industry
Industry Median: 3.94
vs LKFN: 5.87
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Lakeland Financial 5-Year Yield-on-Cost % Related Terms
LKFN vs OBK, QCRH, BFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Lakeland Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Lakeland Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Lakeland Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Lakeland Financial (LKFN) has a 5-Year Yield-on-Cost % of 5.87 as of Jul. 09, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Lakeland Financial and its competitors. This is 53% above median its historical median of 3.84. Over the past decade, Lakeland Financial's 5-Year Yield-on-Cost % has ranged from 2.50 to 6.46. According to the industry distribution chart, Lakeland Financial ranks #358 out of 1254 companies in the Banks industry, placing it in the top 28.5%.
Is Lakeland Financial's 5-Year Yield-on-Cost % too high?
Lakeland Financial's current 5-Year Yield-on-Cost % of 5.87 is 53% above median its 10-year median of 3.84. Over the past 10 years, this metric has ranged from a low of 2.50 to a high of 6.46. The Banks industry median 5-Year Yield-on-Cost % is 3.94. Lakeland Financial's value of 5.87 is 49% above this industry median. Based on the distribution chart, Lakeland Financial ranks #358 out of 1254 companies in the Banks industry, which is above the industry midpoint. Overall, Lakeland Financial has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lakeland Financial's 5-Year Yield-on-Cost % compare to OBK and QCRH?
According to the Banks industry distribution chart, Lakeland Financial ranks #358 out of 1254 companies for 5-Year Yield-on-Cost %. This puts Lakeland Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. Lakeland Financial's value of 5.87 is 49% above this benchmark. Historically, Lakeland Financial's own 5-Year Yield-on-Cost % has ranged from 2.50 to 6.46 over the past decade. While the company's 10-year median is 3.84 vs. the industry median of 3.94, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lakeland Financial's current 5-Year Yield-on-Cost % of 5.87 is 49% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Lakeland Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lakeland Financial's current 5-Year Yield-on-Cost % is 5.87, which is 53% above median its own 10-year median of 3.84. 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 Modestly Undervalued. The stock's GF Value™ is $67.71, compared to a current price of $59.29 — trading 12.4% below its estimated fair value. The current 5-Year Yield-on-Cost % is 5.87, which is 53% above median its 10-year median of 3.84 and 49% above the Banks industry median of 3.94. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Lakeland Financial (LKFN), the current 5-Year Yield-on-Cost % is 5.87 as of Jul. 09, 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 $59.29 is trading 12.4% below its estimated GF Value™ of $67.71.
GuruFocus considers Lakeland Financial to be Modestly Undervalued.
Key valuation signals for LKFN:
5-Year Yield-on-Cost %: 5.87 (53% above median its 10-year median of 3.84)
GF Value™: $67.71 vs. price of $59.29 (12.4% below fair value)
Industry Position: 49% above the Banks median (#358 of 1254)
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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