ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Lakeland Financial Corp. (Indiana) ?
1
High Profitability with a Net Interest Margin of 4.89%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.17%
3
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 120.63 MM
- ROCE(HY) Highest at 1.58%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.85%, it has a fair valuation with a 1.91 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 2.27%, its profits have risen by 10.6% ; the PEG ratio of the company is 1.3
5
High Institutional Holdings at 86.32%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 2.27% in the last 1 year, much lower than market (S&P 500) returns of 22.24%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Lakeland Financial Corp. (Indiana) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Lakeland Financial Corp. (Indiana) for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Lakeland Financial Corp. (Indiana)
2.04%
0.07
25.71%
S&P 500
20.78%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.12%
EBIT Growth (5y)
3.17%
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
49.88%
Pledged Shares
0
Institutional Holding
86.32%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.91
EV to EBIT
12.16
EV to EBITDA
11.73
EV to Capital Employed
1.89
EV to Sales
3.94
PEG Ratio
1.34
Dividend Yield
NA
ROCE (Latest)
15.51%
ROE (Latest)
13.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 120.63 MM
ROCE(HY)
Highest at 1.58%
DIVIDEND PER SHARE(HY)
Highest at USD 0
-3What is not working for the Company
ROCE(HY)
Lowest at 1.58%
CASH AND EQV(HY)
Lowest at USD 122.84 MM
Here's what is working for Lakeland Financial Corp. (Indiana)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 120.63 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Here's what is not working for Lakeland Financial Corp. (Indiana)
Cash and Eqv
Lowest at USD 122.84 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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