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Upturn AI SWOT - About
LKFN 
Lakeland Financial Corporation (LKFN)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -6.88% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.55B USD | Price to earnings Ratio 16.4 | 1Y Target Price 70.2 |
Price to earnings Ratio 16.4 | 1Y Target Price 70.2 | ||
Volume (30-day avg) 166544 | Beta 0.63 | 52 Weeks Range 55.92 - 78.03 | Updated Date 04/2/2025 |
52 Weeks Range 55.92 - 78.03 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.38% | Basic EPS (TTM) 3.63 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 39.48% | Operating Margin (TTM) 50.3% |
Management Effectiveness
Return on Assets (TTM) 1.42% | Return on Equity (TTM) 14.02% |
Valuation
Trailing PE 16.4 | Forward PE 20.08 | Enterprise Value 1350296576 | Price to Sales(TTM) 6.54 |
Enterprise Value 1350296576 | Price to Sales(TTM) 6.54 | ||
Enterprise Value to Revenue 6.07 | Enterprise Value to EBITDA - | Shares Outstanding 26016300 | Shares Floating 24832991 |
Shares Outstanding 26016300 | Shares Floating 24832991 | ||
Percent Insiders 2.57 | Percent Institutions 85.55 |
Analyst Ratings
Rating 3.25 | Target Price 71.25 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Lakeland Financial Corporation
Company Overview
History and Background
Lakeland Financial Corporation was founded in 1876 as the State Loan and Trust Company. It has evolved from a local bank into a regional financial services provider, experiencing steady growth through organic expansion and acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial loans, deposit accounts, cash management, and other business-related services.
- Retail Banking: Provides consumer banking services such as personal loans, checking and savings accounts, mortgages, and wealth management services.
- Wealth Management: Offers trust and investment management services to individuals, families, and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives overseeing various departments. The organizational structure includes divisions for commercial banking, retail banking, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. The market share varies by region. Competitors include larger regional and national banks like JPMorgan Chase and smaller community banks.
- Mortgages: Residential mortgage loans for homebuyers. Market share varies by local area. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Wealth Management Services: Investment management, financial planning, and trust services. Market share varies depending on AUM. Competitors include large brokerage firms like Merrill Lynch and smaller RIAs.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and technological disruption. Competition is intense, with traditional banks facing challenges from fintech companies and larger national institutions.
Positioning
Lakeland Financial Corporation is positioned as a community-focused regional bank offering personalized service and local expertise. Its competitive advantages include strong customer relationships and a deep understanding of the local market.
Total Addressable Market (TAM)
The TAM includes all banking and wealth management customers in its operating region. LBAI is positioned to capture a portion of this market through its strong local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Sound asset quality
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs due to smaller scale
- Reliance on traditional banking models
- Vulnerability to interest rate fluctuations
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Capitalizing on the needs of underserved local businesses
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn affecting loan quality
- Cybersecurity threats and regulatory changes
Competitors and Market Share
Key Competitors
- FIRST FINANCIAL CORP (THFF)
- OLD NATIONAL BANCORP (ONB)
- HEARTLAND FINL USA INC (HTLF)
Competitive Landscape
Lakeland Financial Corporation faces competition from larger regional banks and smaller community banks. Its advantages include strong customer relationships and local market expertise, while its disadvantages include limited geographic reach and higher operating costs.
Major Acquisitions
Lake City Bank
- Year: 2021
- Acquisition Price (USD millions): 84
- Strategic Rationale: Expanded Lakeland Financial Corporation's presence in northern Indiana.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased adoption of digital banking technologies.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion into new geographic markets, and increased focus on wealth management services.
Summary
Lakeland Financial Corporation is a stable, regional bank with a strong presence in Indiana. Its focus on customer relationships and community banking has contributed to consistent growth. The company must navigate increased competition and technological disruption to maintain its trajectory. Strategic acquisitions have helped grow the bank significantly. It should look to expand in a controlled manner.
Similar Companies
HTLF
Heartland Financial USA Inc
HTLF
Heartland Financial USA Inc
ONB
Old National Bancorp
ONB
Old National Bancorp
THFF
First Financial Corporation Indiana
THFF
First Financial Corporation Indiana
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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 632 | Website https://www.lakecitybank.com |
Full time employees 632 | 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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