Lakeland Financial Corporation (LKFN) fair value analysis
Nasdaq · Updated 2026-10-19
LKFN price how computed
Forward Fair Value verdict
UndervaluedLKFN is trading at a 10–25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $58.00
- Sector
- Financial Services
- 12-month range
- $55.03–$63.70
- Market cap
- $1.44B
- From 52-week high
- -8.9%
- Shares outstanding
- 24.9M
- Rank in Financial Services by discount to fair value
- #33 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
Lakeland Financial Corporation is a bank holding company that provides financial services including commercial and consumer banking, trust and wealth management, and other related financial products through its subsidiary bank. The company operates primarily in Indiana and surrounding regions of the Midwest.
LKFN currently ranks #33 of 167 Financial Services stocks by discount to fair value. It has screened as Undervalued for 11 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $1.44B
- P/E (trailing)
- 13x
- Revenue (TTM)
- $427M
- Net margin
- 26.0%
- EPS (TTM)
- $4.36
- Gross margin
- 64.2%
- Debt / equity
- 0.09
- Revenue growth (3-yr avg)
- 2.8%
- Shares outstanding
- 24.9M
Derived indicators how computed
- Quality grade
- B
- Margin trend
- Expanding
- 52-week position
- The lower-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 45 · neutral
- 50-day average
- $59.54
- 200-day average
- $59.81
- Moving-average state
- 50-day below 200-day (death cross state); price below both averages
Dividends how computed
- Paid, last 12 months
- $1.56 per share (3 payments)
- Yield on last price
- 2.69%
- Consecutive years of increases
- 8
- Last ex-dividend date
- 2026-07-24
- Last payment date
- 2026-08-05
Earnings how computed
- Next earnings report
- 2026-10-26 (pre-market)
- Last 8 quarters vs consensus
- 6 beat, 2 missed
- Quarter by quarter
- 2026-06 ▲ beat (+5.6%)
2026-03 ▲ beat (+3.0%)
2025-12 ▲ beat (+9.4%)
2025-09 ▼ miss (-1.0%)
2025-06 ▲ beat (+7.2%)
2025-03 ▼ miss (-12.4%)
2024-12 ▲ beat (+4.4%)
2024-09 ▲ beat (+3.4%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 0 buy · 5 hold · 0 sell (5 analysts)
- Consensus lean
- Hold-leaning
- Consensus price target
- $66.5
- Target vs last price
- +14.7%
What our data shows for LKFN
- Our model validated 17 trailing price-to-earnings windows for LKFN, built from quarterly earnings records.
- Shares are trading in the middle of their 12-month price range of $55.03–$63.70.
- The 14-day relative strength index sits at a neutral 45.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for LKFN
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent LKFN news
TickrTrends' derived news-sentiment signal for LKFN is currently leaning positive, computed from recent coverage.
- Lake City Bank Ranked Among Top Performing U.S. Banks in Bank Director Magazine's 2026 RankingBanking (manilatimes.net, 2026-08-25)
TickrTrends take: Lake City Bank's recognition among top performing U.S. banks supports its current Fairly valued assessment by TickrTrends, as the ranking reflects operational strength within a competitive Financial Services sector. For valuation-focused readers, this type of industry recognition typically correlates with sustained performance metrics that align with fair value positioning rather than signaling undervaluation. Investors should monitor whether this distinction translates into earnings growth or margin expansion that could shift the valuation context in future periods.
What people are saying
Follow the LKFN conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — LKFN's sector discount rank declined this week, moving from position 33 to position 39 among Financial Services companies ranked by valuation discount. This shift indicates the stock's relative valuation position within its sector has weakened compared to peers. Despite this change, LKFN maintains an undervalued assessment according to TickrTrends' current valuation verdict.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is LKFN stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), LKFN is trading at a 10–25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is LKFN's TickrTrends verdict?
LKFN's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does LKFN compare to other Financial Services stocks?
LKFN ranks #33 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is LKFN overbought or oversold?
LKFN's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does LKFN pay a dividend?
Yes. LKFN paid $1.56 per share over the last twelve months (3 payments), a 2.69% yield on TickrTrends' last price, and has raised the annual total for 8 consecutive years. The last ex-dividend date was 2026-07-24.
When does LKFN report earnings next?
LKFN's next earnings report is scheduled for 2026-10-26 (pre-market), per the published earnings calendar.
Does LKFN usually beat earnings estimates?
Over its last 8 reported quarters LKFN beat the consensus estimate 6 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about LKFN?
Of 5 analysts covering LKFN, 0 rate it a buy, 5 a hold and 0 a sell - hold-leaning, with a consensus price target of $66.5 (+14.7% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
More in Financial Services
Head-to-head comparisons
LKFN vs AMP · LKFN vs CACC · LKFN vs CASH · LKFN vs COF · LKFN vs ICE