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Upturn AI SWOT - About
LKFN 
Lakeland Financial Corporation (LKFN)
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Upturn Advisory Summary
10/15/2025: 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 $70.6
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 -7.66% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.58B USD | Price to earnings Ratio 16.85 | 1Y Target Price 70.6 |
Price to earnings Ratio 16.85 | 1Y Target Price 70.6 | ||
Volume (30-day avg) 5 | Beta 0.59 | 52 Weeks Range 49.61 - 76.71 | Updated Date 10/15/2025 |
52 Weeks Range 49.61 - 76.71 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 3.10% | 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 16.85 | Forward PE 20.08 | Enterprise Value 1281656832 | Price to Sales(TTM) 6.6 |
Enterprise Value 1281656832 | Price to Sales(TTM) 6.6 | ||
Enterprise Value to Revenue 6.35 | Enterprise Value to EBITDA - | Shares Outstanding 25530150 | Shares Floating 24702463 |
Shares Outstanding 25530150 | Shares Floating 24702463 | ||
Percent Insiders 2.75 | Percent Institutions 86.45 |
Upturn AI SWOT
Lakeland Financial Corporation
Company Overview
History and Background
Lakeland Financial Corporation, headquartered in Warsaw, Indiana, was founded in 1876. It operates as the bank holding company for Lake City Bank, providing commercial and retail banking services.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Provides a range of deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Delivers investment management, trust, and financial planning services.
Leadership and Structure
David M. Findlay serves as the Chief Executive Officer. The company operates with a board of directors and a senior management team overseeing its various business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for working capital, equipment purchases, and real estate. Competitors include larger regional and national banks. Market share data is difficult to pinpoint precisely for commercial loans across the entire region due to the fragmented nature of the lending market.
- Mortgage Loans: Offers residential mortgage loans for home purchases and refinancing. Competitors include national mortgage lenders and credit unions. Market share data for specific regions is hard to retrieve.
- Deposit Accounts: Includes checking, savings, and money market accounts. Competitors include other banks and credit unions. Market share data is hard to retrieve for specific regions.
- Wealth Management Services: Offers investment management, trust, and financial planning services to individuals and families. Competitors include large brokerage firms and advisory firms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
Lakeland Financial Corporation operates primarily in Northern and Central Indiana. It positions itself as a community-focused bank with strong relationships with its customers and businesses.
Total Addressable Market (TAM)
The TAM includes all banking and financial service customers in Northern and Central Indiana. Lakeland Financial Corporation is positioned to capture a portion of this TAM through its branch network, customer relationships, and range of services. Expected total market value in the service areas is around $2 billion.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Established customer relationships
- Sound financial performance
- Experienced management team
Weaknesses
- Limited geographic diversification
- Dependence on local economy
- Smaller scale compared to larger national banks
- Vulnerability to Cybersecurity
Opportunities
- Expansion into new markets within Indiana
- Increased adoption of digital banking solutions
- Growth in wealth management business
- Strategic Acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Indiana
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- JPM
- KEY
- HBNC
- FFBC
Competitive Landscape
Lakeland Financial Corporation faces competition from larger regional and national banks, as well as credit unions and fintech companies. It differentiates itself through its local presence, customer service, and community involvement.
Major Acquisitions
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- Year: 2015
- Acquisition Price (USD millions): 56.5
- Strategic Rationale: Expanded the company's footprint into new markets.
Growth Trajectory and Initiatives
Historical Growth: Lakeland Financial Corporation has demonstrated steady growth over the past several years, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for Lakeland Financial Corporation, driven by its strong market position and expanding product offerings.
Recent Initiatives: Recent initiatives include investments in digital banking platforms 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. The company's strengths include its customer relationships, experienced management team, and sound financial performance. Key opportunities include expanding digital banking and increasing wealth management services. Lakeland Financial needs to be wary of increasing competition, and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
- Lakeland Financial Corporation Website
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Investment decisions should be based on individual due diligence.
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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