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Upturn AI Summary - About
Lakeland Financial Corporation(LKFN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LKFN
09/25/2026: LKFN (1-star) is currently NOT-A-BUY. Pass it for now.
Lakeland Financial Corporation is a regional bank holding company centered on the Indiana market, primarily operating through its subsidiary, Lake City Bank. The company is known for a conservative credit approach and stable financial performance, making it a potentially suitable candidate for income and value-oriented investors. Its primary growth story involves organic expansion in its home region and the development of fee-based wealth management services. However, investors should monitor risks associated with geographic concentration, interest rate sensitivity, and competition from both large national banks and fintech providers. Overall, Lakeland represents a stable financial institution that prioritizes consistent dividend returns over aggressive, high-risk growth.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature regional bank with moderate growth prospects rather than high-growth potential. |
| Momentum investor | Weak fit | This is a stable, income-oriented stock that rarely exhibits high-momentum price action. |
| Value investor | Strong fit | The stock often trades at valuations that appeal to value-oriented investors seeking stable, established franchises. |
| Dividend investor | Strong fit | The company's history of consistent dividend payments makes it attractive for income-focused portfolios. |
| Low-risk investor | Strong fit | The conservative nature of the regional banking model makes it a suitable candidate for lower-risk investment profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a bank stock, it is subject to market sentiment regarding interest rates and economic health. |
| Valuation risk | Low | The stock generally trades in line with sector averages, reducing extreme valuation risk. |
| Competition risk (Regional Banking) | Medium / high | Stiff competition for loans and deposits limits aggressive expansion. |
| Business quality | Strong | The company has a long-standing reputation for stability and prudent management. |
| Dividend income | Low | Dividends are generally secure but subject to earnings performance. |
| Execution risk | Low | Management has historically demonstrated consistent adherence to their core strategy. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -16.54% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.48B USD | Price to earnings Ratio 13.65 | 1Y Target Price 66.5 |
Price to earnings Ratio 13.65 | 1Y Target Price 66.5 | ||
Volume (30-day avg) 175.3K shares | Beta 0.7 | 52 Weeks Range 53.43 - 64.55 | Updated Date 09/25/2026 |
52 Weeks Range 53.43 - 64.55 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 3.50% | Basic EPS (TTM) 4.36 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Banking | Interest and fees from commercial loans and treasury services. | The bank earns money primarily by lending to businesses. |
| Retail Banking | Interest from consumer loans and mortgage lending. | Retail deposits and loans are a steady foundation for earnings. |
| Wealth Advisory | Fees generated from trust, investment, and estate planning services. | Service fees provide an additional, less interest-rate-sensitive revenue stream. |
Valuation
Trailing PE 13.65 | Forward PE 20.08 | Enterprise Value 1.36B | Price to Sales(TTM) 5.4 |
Enterprise Value 1.36B | Price to Sales(TTM) 5.4 | ||
Enterprise Value to Revenue 5.45 | Enterprise Value to EBITDA - | Shares Outstanding 24.86M | Shares Floating 24.02M |
Shares Outstanding 24.86M | Shares Floating 24.02M | ||
Percent Insiders 2.83 | Percent Institutions 88.2 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Lakeland Financial Corporation
Exchange NASDAQ | Headquarters 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 695 | Website https://www.lakecitybank.com |
Full time employees 695 | 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. 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.
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