Stocktoria

LAKELAND FINANCIAL CORP LKFN

Nasdaq · stock · State Commercial Banks · website · IPO 1994-03-08

LAKELAND FINANCIAL CORP statistics & valuation

P / E15.1×
P / B2.0×
P / FCF15.0×
Graham number -17%$51.64

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($51.64); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
12.20% 12.20% 15.40% 14.60% 12.80% 13.60% 18.20% 14.40% 13.70% 13.60% 2016201720182019202020212022202320242025
Shares outstanding
25.5M 25.7M 25.7M 25.8M 25.6M 25.6M 25.7M 25.7M 25.8M 25.8M 2016201720182019202020212022202320242025
Net debt ($)
-$608.2M $166.7M -$101.8M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.20% 1.20% 1.60% 1.80% 1.40% 1.50% 1.60% 1.40% 1.40% 1.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
5643.80% 6725.60% 9848.40% 2016201720182019202020212022202320242025
Debt / equity (×)
0.11× 0.52× 0.08× 2016201720182019202020212022202320242025
EPS ($)
$2.05 $2.23 $3.13 $3.38 $3.30 $3.74 $4.04 $3.65 $3.63 $4.01 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

LAKELAND FINANCIAL CORP trades at about 15.5× earnings — below its 10-year norm (10-year range 14×–21.7×, median 18.3×).

14× 21.7×

Shaded band = 10-year range (14×–21.7×); dot = today's 15.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin8163.6%5698.8%5612.5%
FCF margin9848.4%6725.6%5643.8%
Return on assets1.5%1.4%1.4%1.6%1.5%1.4%1.8%1.6%1.2%1.2%
Return on equity13.6%13.7%14.4%18.2%13.6%12.8%14.6%15.4%12.2%12.2%
Debt / equity0.08×0.52×0.11×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.