Stocktoria
LAKELAND FINANCIAL CORP LKFN
LAKELAND FINANCIAL CORP (LKFN) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 3.29% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| LKFN | LAKELAND FINANCIAL CORP | 4/9 | — | 15.1 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About LAKELAND FINANCIAL CORP
Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. It also offers loan products, including commercial and industrial, commercial real estate and multi-family residential, construction, agri-business and agricultural, consumer 1-4 family mortgage, and other commercial and consumer loans. In addition, the company provides retail and merchant credit card services; corporate treasury management services, private banking, and wealth advisory; retail brokerage services comprising financial and investment products, annuities, and life insurance; and trust and fiduciary services, and estate and financial planning consulting services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. The company was founded in 1872 and is headquartered in Warsaw, Indiana.
FAQ
Is LKFN financially healthy?
LAKELAND FINANCIAL CORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does LKFN pay a dividend, and is it safe?
Yes. LAKELAND FINANCIAL CORP pays a dividend yielding about 3.29% with a 49.7% payout ratio, rated “moderate” for safety.
How profitable is LKFN?
In FY2025, LAKELAND FINANCIAL CORP had a return on equity of 13.6%.
Is LKFN overvalued or undervalued?
LAKELAND FINANCIAL CORP trades at about 15.5× trailing earnings — below its 10-year norm (10-year range 14.0×–21.7×, median 18.3×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for LKFN?
The average Wall-Street price target for LAKELAND FINANCIAL CORP is $65.50, about 5.2% above the recent price, from 4 analysts.
Is LKFN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on LAKELAND FINANCIAL CORP: a Piotroski F-score of 4/9, a P/E of about 15.1×, a dividend yield of 3.29%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.