Lakeland Financial Corporation (LKFN) & Its Competitors Financial Analysis

Lakeland Financial Corporation (NASDAQ: LKFN) is one of 327 public companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare Lakeland Financial Corporation to related businesses based on the strength of its risk, institutional ownership, profitability, dividends, analyst recommendations, valuation and earnings.

Risk & Volatility

Lakeland Financial Corporation has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500. Comparatively, Lakeland Financial Corporation’s competitors have a beta of 0.78, suggesting that their average stock price is 22% less volatile than the S&P 500.

Dividends

Lakeland Financial Corporation pays an annual dividend of $0.88 per share and has a dividend yield of 1.8%. Lakeland Financial Corporation pays out 39.5% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 37.1% of their earnings in the form of a dividend. Lakeland Financial Corporation lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.

Valuation & Earnings

This table compares Lakeland Financial Corporation and its competitors top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
Lakeland Financial Corporation $159.23 million N/A 21.95
Lakeland Financial Corporation Competitors N/A N/A 19.00

Lakeland Financial Corporation is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares Lakeland Financial Corporation and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Lakeland Financial Corporation 30.72% 13.06% 1.32%
Lakeland Financial Corporation Competitors 18.90% 8.82% 0.93%

Insider & Institutional Ownership

69.3% of Lakeland Financial Corporation shares are owned by institutional investors. Comparatively, 52.5% of shares of all “Banks” companies are owned by institutional investors. 5.0% of Lakeland Financial Corporation shares are owned by insiders. Comparatively, 10.5% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Lakeland Financial Corporation and its competitors, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lakeland Financial Corporation 0 1 1 0 2.50
Lakeland Financial Corporation Competitors 1982 7879 8069 305 2.37

Lakeland Financial Corporation currently has a consensus target price of $46.00, indicating a potential downside of 6.03%. As a group, “Banks” companies have a potential downside of 6.68%. Given Lakeland Financial Corporation’s stronger consensus rating and higher possible upside, analysts plainly believe Lakeland Financial Corporation is more favorable than its competitors.

Summary

Lakeland Financial Corporation beats its competitors on 10 of the 14 factors compared.

About Lakeland Financial Corporation

Lakeland Financial Corporation is a bank holding company. The Company, through its subsidiary, Lake City Bank (the Bank), provides an array of products and services throughout its Northern and Central Indiana markets. It offers commercial and consumer banking services, as well as trust and wealth management, brokerage, investment and treasury management commercial services. It serves a range of industries, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare. The Bank’s activities cover all phases of commercial banking, including deposit products, commercial and consumer lending, retail and merchant credit card services, corporate treasury management services, and wealth advisory, trust and brokerage services. It provides financial services through the Bank, with approximately 50 branch offices in 15 counties in Northern and Central Indiana.

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