LKFN

Lakeland Financial Corporation

Financial Services · $1.4B market cap

Verdict

Share price

$59.07

close of Oct 3, 2026

Fair value

$86.11

Sticker Price

Payback Price

$34.45

buy price

Undervalued

LKFN is Undervalued: at $59.07 it trades 31% below its fair value of $86.11. Its buy price (Payback Price) is $34.45, 42% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth11.5% a year✓
Equity per share growth8.8% a year✗
Sales growth6.5% a year✗
Free cash flow growth9.8% a year✗
Return on invested capital11.5%✓

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Insider activity

Since Jul 8, 2026: no open-market purchases, 2 sales worth $47K and 16 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About Lakeland Financial Corporation

Lakeland Financial Corporation serves as the parent organization for Lake City Bank, offering a broad spectrum of banking and financial solutions. The company manages various deposit accounts, including non-interest-bearing and interest-bearing checking, savings, money market, NOW, and demand deposits. Its lending portfolio is diverse, providing commercial and industrial loans, financing for commercial real estate…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works