Lakeland Financial Corporation

LKFN

Banks - Regional · Financial Services

Price

$62.68

-0.93 (-1.46%)

Market Cap

$1.56B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services. 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, agri-business and agricultural, consumer 1-4 family mortgage, and other consumer loans. The company als

Winston Score History

Share count broadly stable

+0.6% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 25.6M (2021) → 25.8M (2025)

Score breakdown

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Quality

Gross Margin

64.5%

Premium pricing power — 64.5% gross margin

Operating Margin

31.0%

Excellent — 31.0% operating margin

ROCE

4.0%

Weak — 4.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-0.6%

Shrinking sales (-0.6% YoY)

EPS YoY

+22.2%

Earnings growing fast (22.2% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

110%

Turns 110% of profit into real cash

FCF Margin

25.1%

Converts sales into free cash efficiently (25.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.09

Conservative — low debt load (0.09)

Interest Cover

0.89x

Dangerous — barely covers interest (0.9x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

14.6x

Attractive valuation — P/E 14.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.2

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

3.27%

Moderate income — 3.27% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+4.1%

Dividend growing modestly (4.1% YoY)

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