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LKFN Valuation

Lakeland Financial Corp
$
64.130
+0.14(0.219%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings

LKFN Relative Valuation

LKFN's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, LKFN is overvalued; if below, it's undervalued.
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Historical Valuation

Lakeland Financial Corp (LKFN) is now in the Undervalued zone, suggesting that its current forward PE ratio of 15.43 is considered Undervalued compared with the five-year average of 17.54. The fair price of Lakeland Financial Corp (LKFN) is between 65.17 to 77.96 according to relative valuation methord. Compared to the current price of 64.13 USD , Lakeland Financial Corp is Undervalued By 1.6%.
Relative Value
Fair Zone
65.17-77.96
Current Price:64.13
1.6%
Undervalued
15.43
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Lakeland Financial Corp. (LKFN) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
NaN
EV/EBIT
Lakeland Financial Corp. (LKFN) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
5.82
PS
Lakeland Financial Corp. (LKFN) has a current PS of 5.82. The 5-year average PS is 6.73. The thresholds are as follows: Strongly Undervalued below 4.85, Undervalued between 4.85 and 5.79, Fairly Valued between 7.66 and 5.79, Overvalued between 7.66 and 8.60, and Strongly Overvalued above 8.60. The current Forward PS of 5.82 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Lakeland Financial Corp. (LKFN) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Lakeland Financial Corp. (LKFN) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Lakeland Financial Corp (LKFN) has a current Price-to-Book (P/B) ratio of 2.30. Compared to its 3-year average P/B ratio of 2.61 , the current P/B ratio is approximately -11.70% higher. Relative to its 5-year average P/B ratio of 2.60, the current P/B ratio is about -11.38% higher. Lakeland Financial Corp (LKFN) has a Forward Free Cash Flow (FCF) yield of approximately 5.75%. Compared to its 3-year average FCF yield of 7.19%, the current FCF yield is approximately -20.10% lower. Relative to its 5-year average FCF yield of 6.76% , the current FCF yield is about -14.96% lower.
2.30
P/B
Median3y
2.61
Median5y
2.60
5.75
FCF Yield
Median3y
7.19
Median5y
6.76
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Competitors Valuation Multiple

The average P/S ratio for LKFN's competitors is 3.43, providing a benchmark for relative valuation. Lakeland Financial Corp Corp (LKFN) exhibits a P/S ratio of 5.82, which is 69.72% above the industry average. Given its robust revenue growth of -3.76%, this premium appears unsustainable.
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Performance Decomposition

1Y
3Y
5Y
Market capitalization of LKFN decreased by 5.90% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 35.11 to 43.63.
The secondary factor is the Revenue Growth, contributed -3.76%to the performance.
Overall, the performance of LKFN in the past 1 year is driven by Margin Expansion. Which is more sustainable.
-3.76%
64.23M → 61.81M
Revenue Growth
+
24.27%
35.11 → 43.63
Margin Expansion
+
-26.41%
23.69 → 17.44
P/E Change
=
-5.90%
68.15 → 64.13
Mkt Cap Growth

FAQ

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Is Lakeland Financial Corp (LKFN) currently overvalued or undervalued?

Lakeland Financial Corp (LKFN) is now in the Undervalued zone, suggesting that its current forward PE ratio of 15.43 is considered Undervalued compared with the five-year average of 17.54. The fair price of Lakeland Financial Corp (LKFN) is between 65.17 to 77.96 according to relative valuation methord. Compared to the current price of 64.13 USD , Lakeland Financial Corp is Undervalued By 1.60% .
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What is Lakeland Financial Corp (LKFN) fair value?

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How does LKFN's valuation metrics compare to the industry average?

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What is the current P/B ratio for Lakeland Financial Corp (LKFN) as of Aug 22 2025?

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What is the current FCF Yield for Lakeland Financial Corp (LKFN) as of Aug 22 2025?

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What is the current Forward P/E ratio for Lakeland Financial Corp (LKFN) as of Aug 22 2025?

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What is the current Forward P/S ratio for Lakeland Financial Corp (LKFN) as of Aug 22 2025?