Lakeland Financial Corp. (Indiana)

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: US5116561003
USD
58.87
0.64 (1.1%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

70.95 k

Shareholding (Mar 2025)

FII

4.89%

Held by 79 FIIs

DII

54.33%

Held by 45 DIIs

Promoter

0.00%

How big is Lakeland Financial Corp. (Indiana)?

22-Jun-2025

As of Jun 18, Lakeland Financial Corp. (Indiana) has a market capitalization of $1.52 billion, with shareholder's funds of $683.82 million and total assets of $6.68 billion.

As of Jun 18, Lakeland Financial Corp. (Indiana) has a market capitalization of 1,519.02 million, categorizing it as a Small Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 372.58 million, while the sum of net profit for the same period is 90.17 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 683.82 million and total assets at 6,678.37 million.

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What does Lakeland Financial Corp. (Indiana) do?

22-Jun-2025

Lakeland Financial Corporation is a bank holding company that provides banking services in Northern and Central Indiana, with a recent net profit of $20 million and a market cap of approximately $1.52 billion. Key metrics include a P/E ratio of 17.00 and a return on equity of 12.98%.

Overview: <BR>Lakeland Financial Corporation is a bank holding company operating in the Regional Banks industry, providing a range of banking services in Northern and Central Indiana.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 90 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 20 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 1,519.02 Million (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 17.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 12.98% <BR>Price to Book: 2.19<BR><BR>Contact Details: <BR>Address: 202 E Center St, PO Box 1387 WARSAW IN : 46581-1387 <BR>Tel: ['1 574 2676144', '1 574 2679133'] <BR>Website: http://www.snl.com/irweblinkx/corporateprofile.aspx?IID=100608

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Should I buy, sell or hold Lakeland Financial Corp. (Indiana)?

22-Jun-2025

Who are in the management team of Lakeland Financial Corp. (Indiana)?

22-Jun-2025

As of March 2022, the management team of Lakeland Financial Corp. includes Independent Chairman Mr. Michael Kubacki, President and CEO Mr. David Findlay, Lead Independent Director Mr. M. Scott Welch, and Independent Directors Mr. Blake Augsburger, Mr. Robert Bartels, Ms. Darrianne Christian, and Mr. Daniel Evans. They oversee the company's strategic direction and management.

As of March 2022, the management team of Lakeland Financial Corp. (Indiana) includes the following individuals:<BR><BR>- Mr. Michael Kubacki, who serves as the Independent Chairman of the Board.<BR>- Mr. David Findlay, who is the President, Chief Executive Officer, and a Director.<BR>- Mr. M. Scott Welch, who holds the position of Lead Independent Director.<BR>- Mr. Blake Augsburger, an Independent Director.<BR>- Mr. Robert Bartels, also an Independent Director.<BR>- Ms. Darrianne Christian, who is an Independent Director.<BR>- Mr. Daniel Evans, another Independent Director.<BR><BR>This team is responsible for guiding the strategic direction and management of the company.

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Is Lakeland Financial Corp. (Indiana) overvalued or undervalued?

20-Sep-2025

As of June 30, 2025, Lakeland Financial Corp. is considered very expensive and overvalued, with a P/E ratio of 17, a Price to Book Value of 2.26, and an EV to EBIT of 13.93, underperforming the S&P 500 with a YTD return of -2.98%.

As of 30 June 2025, the valuation grade for Lakeland Financial Corp. (Indiana) moved from expensive to very expensive. The company appears to be overvalued based on its current metrics. Key ratios include a P/E ratio of 17, a Price to Book Value of 2.26, and an EV to EBIT of 13.93. <BR><BR>In comparison to its peers, Lakeland's P/E ratio of 18.6950 is notably higher than Renasant Corp. at 21.7309 and WesBanco, Inc. at 17.5929, both of which are rated as fair. Additionally, the company's recent stock performance shows a YTD return of -2.98%, significantly underperforming the S&P 500's return of 12.22%, reinforcing the notion that the stock may be overvalued.

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Is Lakeland Financial Corp. (Indiana) technically bullish or bearish?

14-Oct-2025

As of October 10, 2025, Lakeland Financial Corp. shows a mildly bearish technical trend, with underperformance against the S&P 500, reflecting a year-to-date return of -9.95% compared to the S&P's 11.41%.

As of 10 October 2025, the technical trend for Lakeland Financial Corp. has changed from sideways to mildly bearish. The weekly MACD is mildly bearish, while the monthly MACD is bearish. Bollinger Bands indicate a bearish stance for both weekly and monthly periods. The daily moving averages are mildly bullish, but the KST shows a mildly bearish trend on the weekly and bearish on the monthly. Dow Theory indicates a mildly bullish trend on the monthly, but no trend on the weekly. <BR><BR>In terms of performance, the stock has underperformed compared to the S&P 500 across multiple periods, with a year-to-date return of -9.95% versus the S&P 500's 11.41%, and a three-year return of -20.18% compared to the S&P 500's 81.39%. Overall, the current technical stance is mildly bearish.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 4.63%

 
2

Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.17%

 
3

Positive results in Jun 25

4

With ROA of 1.09%, it has a very expensive valuation with a 2.26 Price to Book Value

5

High Institutional Holdings at 88.05%

6

Below par performance in long term as well as near term

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 1,768 Million (Small Cap)

stock-summary
P/E

17.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

13.32%

stock-summary
Price to Book

2.49

Revenue and Profits:
Net Sales:
94 Million
(Quarterly Results - Jun 2025)
Net Profit:
27 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-11.53%
0%
-11.53%
6 Months
-2.31%
0%
-2.31%
1 Year
-19.82%
0%
-19.82%
2 Years
1.48%
0%
1.48%
3 Years
-24.18%
0%
-24.18%
4 Years
-19.11%
0%
-19.11%
5 Years
11.03%
0%
11.03%

Lakeland Financial Corp. (Indiana) for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
12.80%
EBIT Growth (5y)
2.41%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
52.93%
Pledged Shares
0
Institutional Holding
88.05%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
2.26
EV to EBIT
13.93
EV to EBITDA
13.17
EV to Capital Employed
2.61
EV to Sales
3.82
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
18.75%
ROE (Latest)
12.98%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 52 Schemes (40.69%)

Foreign Institutions

Held by 79 Foreign Institutions (4.89%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About Lakeland Financial Corp. (Indiana) stock-summary
stock-summary
Lakeland Financial Corp. (Indiana)
Regional Banks
Lakeland Financial Corporation is a bank holding company. The Company, through its subsidiary, Lake City Bank (the Bank), provides an array of products and services throughout its Northern and Central Indiana markets. It offers commercial and consumer banking services, as well as trust and wealth management, brokerage, investment and treasury management commercial services. It serves a range of industries, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare. The Bank's activities cover all phases of commercial banking, including deposit products, commercial and consumer lending, retail and merchant credit card services, corporate treasury management services, and wealth advisory, trust and brokerage services. It provides financial services through the Bank, with approximately 50 branch offices in 15 counties in Northern and Central Indiana.
Company Coordinates stock-summary
Company Details
202 E Center St, PO Box 1387 WARSAW IN : 46581-1387
Registrar Details