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Upturn AI SWOT - About
LKFN 
Lakeland Financial Corporation (LKFN)
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Upturn Advisory Summary
09/12/2025: LKFN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $70.6
1 Year Target Price $70.6
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.77% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.66B USD | Price to earnings Ratio 17.72 | 1Y Target Price 70.6 |
Price to earnings Ratio 17.72 | 1Y Target Price 70.6 | ||
Volume (30-day avg) 5 | Beta 0.64 | 52 Weeks Range 49.61 - 76.71 | Updated Date 09/14/2025 |
52 Weeks Range 49.61 - 76.71 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 3.01% | Basic EPS (TTM) 3.67 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 39.51% | Operating Margin (TTM) 53.3% |
Management Effectiveness
Return on Assets (TTM) 1.4% | Return on Equity (TTM) 13.86% |
Valuation
Trailing PE 17.72 | Forward PE 20.08 | Enterprise Value 1362587392 | Price to Sales(TTM) 6.93 |
Enterprise Value 1362587392 | Price to Sales(TTM) 6.93 | ||
Enterprise Value to Revenue 6.54 | Enterprise Value to EBITDA - | Shares Outstanding 25530200 | Shares Floating 24702463 |
Shares Outstanding 25530200 | Shares Floating 24702463 | ||
Percent Insiders 2.75 | Percent Institutions 86.63 |
Upturn AI SWOT
Lakeland Financial Corporation
Company Overview
History and Background
Lakeland Financial Corporation was founded in 1876 and is headquartered in Warsaw, Indiana. It operates as the bank holding company for Lake City Bank. Over its history, it has grown through organic expansion and strategic acquisitions, focusing on community banking.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending and deposit services to businesses, including term loans, lines of credit, and treasury management services.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgage loans, consumer loans, and wealth management services to individuals and families.
- Trust and Wealth Management: Provides trust and wealth management services to individuals, families, and businesses.
Leadership and Structure
David M. Findlay serves as the Chief Executive Officer. The company has a board of directors overseeing its strategic direction. Organizational structure includes various departments such as commercial lending, retail banking, and wealth management, each headed by senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including equipment, real estate, and working capital. Market share data is regionally focused in Northern and Central Indiana and is not easily comparable to national averages. Competitors include larger national banks and other regional players.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Market share is tied to its regional footprint. Competitors include national mortgage lenders, credit unions, and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Focus on relationship banking within the Indiana market. Competitors include national banks, online banks, and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies. Community banks are focusing on relationship banking and local market expertise.
Positioning
Lakeland Financial Corporation positions itself as a community-focused bank with strong customer relationships and local market knowledge. Its competitive advantage lies in its personalized service and understanding of the local economy.
Total Addressable Market (TAM)
The TAM for banking services in Northern and Central Indiana is estimated in the billions of dollars, encompassing lending, deposits, and wealth management. Lakeland Financial Corporation aims to capture a significant share through its local expertise and relationship-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid asset quality
- Relationship-focused banking approach
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on local economy
- Lower brand recognition outside of Indiana
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking solutions
- Growth in wealth management business
- Potential acquisitions of smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- KEY
- CMA
- HBNC
Competitive Landscape
Lakeland Financial Corporation faces competition from larger national banks with greater resources and brand recognition. Its advantage lies in its local market expertise and relationship-focused approach.
Major Acquisitions
None
- Year:
- Acquisition Price (USD millions):
- Strategic Rationale:
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady, driven by organic expansion and strategic acquisitions. The specific rates would need historical financial data.
Future Projections: Analysts project continued growth, driven by expansion in the Indiana market and increased adoption of digital banking services.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets within Indiana.
Summary
Lakeland Financial Corporation is a solid regional bank with a strong presence in Indiana. Its focus on relationship banking and local market expertise are key strengths. Competition from larger banks and fintech companies remains a significant challenge. Future growth will depend on its ability to expand into new markets and adopt digital banking solutions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change over time.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lakeland Financial Corporation
Exchange NASDAQ | Headquaters Warsaw, IN, United States | ||
IPO Launch date 1997-08-15 | Chairman & CEO Mr. David M. Findlay | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 675 | Website https://www.lakecitybank.com |
Full time employees 675 | Website https://www.lakecitybank.com | ||
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. Its loan products include 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. The company also provides retail and merchant credit card services; corporate treasury management, wealth advisory, and trust services; retail brokerage services, including various financial and investment products, such as annuities and life insurance; and mobile business banking and online treasury management 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.
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