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Upturn AI SWOT - About
LKFN 
Lakeland Financial Corporation (LKFN)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: LKFN (1-star) is currently NOT-A-BUY. Pass it for now.
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 $70.2
1 Year Target Price $70.2
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.71% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.59B USD | Price to earnings Ratio 16.96 | 1Y Target Price 70.2 |
Price to earnings Ratio 16.96 | 1Y Target Price 70.2 | ||
Volume (30-day avg) 5 | Beta 0.63 | 52 Weeks Range 49.61 - 76.71 | Updated Date 08/15/2025 |
52 Weeks Range 49.61 - 76.71 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.15% | Basic EPS (TTM) 3.67 |
Earnings Date
Report Date 2025-07-25 | When Before Market | Estimate 0.936 | Actual 1.04 |
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 16.96 | Forward PE 20.08 | Enterprise Value 1307697536 | Price to Sales(TTM) 6.64 |
Enterprise Value 1307697536 | Price to Sales(TTM) 6.64 | ||
Enterprise Value to Revenue 6.32 | Enterprise Value to EBITDA - | Shares Outstanding 25530200 | Shares Floating 24699910 |
Shares Outstanding 25530200 | Shares Floating 24699910 | ||
Percent Insiders 2.77 | Percent Institutions 86.75 |
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, providing commercial and retail banking services throughout Northern and Central Indiana.
Core Business Areas
- Commercial Banking: Offers a wide array of lending and deposit products to businesses, including commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgage loans, and consumer loans to individuals and families.
- Trust and Wealth Management: Offers trust administration, investment management, and financial planning services to individuals, families, and institutions.
Leadership and Structure
The leadership team includes Lisa O'Neill as CEO and Kristin Pruitt as CFO. The organizational structure is based on regional banking teams and specialized business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides commercial loans to businesses. Market share data is not publicly available at a granular level. Competitors include larger national and regional banks like JPMorgan Chase and Fifth Third Bank, as well as other community banks.
- Mortgage Loans: Offers mortgage loans to individuals. Market share data is not publicly available at a granular level. Competitors include national mortgage lenders like Rocket Mortgage and Wells Fargo, and other regional banks.
- Wealth Management: Offers Wealth Management services to Individuals. Market share data is not publicly available at a granular level. Competitors include national wealth advisors such as Fidelity Investments and Vanguard.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including rising interest rates, increased regulatory scrutiny, and 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, which differentiates it from larger national banks.
Total Addressable Market (TAM)
The TAM for banking services in Northern and Central Indiana is significant, encompassing both commercial and retail clients. Lakeland is positioned to capture a share through local expertise and personalized service.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Strong customer relationships
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Potential exposure to interest rate risk
Opportunities
- Expansion into new markets within Indiana
- Growth in wealth management business
- Increased adoption of digital banking solutions
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturn in Indiana
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- FITB
- KEY
Competitive Landscape
Lakeland Financial competes primarily with larger national and regional banks, as well as other community banks. Lakeland Financial's advantage lies in its local focus and customer relationships, while larger banks have greater resources and broader service offerings.
Major Acquisitions
1st Source Corporation
- Year: 2020
- Acquisition Price (USD millions): 100
- Strategic Rationale: Expanded Lakeland Financial's presence into strategic high-growth markets. Lakeland Financial acquired 1st Source Corporation.
Growth Trajectory and Initiatives
Historical Growth: Lakeland Financial has experienced steady growth through organic expansion and strategic acquisitions.
Future Projections: Future growth projections are best found in analyst reports or company presentations.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion of wealth management services.
Summary
Lakeland Financial Corporation is a well-established community bank with a strong presence in Northern and Central Indiana. Its focus on customer relationships and local market expertise is a key strength. However, it faces challenges from larger competitors and the evolving banking landscape, requiring continued investment in digital capabilities. Lakeland Financial appears to be a strong company with many years of experience but must ensure the investments in technology are constantly evolving to compete with the larger players. Further analysis of financials is recommended.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Lakeland Financial Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry Research Reports
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is estimated based on available resources. Actual market share may vary. Financial figures should be independently verified.
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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