Lakeland Financial Corp. (Indiana) (LKFN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Live Oak Bancshares, Inc.

Renasant Corp.

WesBanco, Inc.

Enterprise Financial Services Corp.

First Commonwealth Financial Corp. (Pennsylvania)

Heartland Financial USA, Inc.

Lakeland Financial Corp. (Indiana)

Trustmark Corp.

Merchants Bancorp (Indiana)

Banner Corp.

The Bank of N.T. Butterfield & Son Ltd.

Why is Lakeland Financial Corp. (Indiana) ?

High Profitability with a Net Interest Margin of 4.89%

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

Positive results in Dec 25

NII(Q) Highest at USD 57.19 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
CREDIT DEPOSIT RATIO(HY) Highest at 89.99%

With ROA of 0.85%, it has a expensive valuation with a 1.92 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 -6.66%, its profits have risen by 10.6% ; the PEG ratio of the company is 1.4

High Institutional Holdings at 87.2%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -6.66% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How 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?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

Lakeland Financial Corp. (Indiana)

-7.45%

-0.18

27.83%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.12%

EBIT Growth (5y)

3.17%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

49.88%

Pledged Shares

Institutional Holding

87.20%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.92

EV to EBIT

12.27

EV to EBITDA

11.83

EV to Capital Employed

1.90

EV to Sales

3.98

PEG Ratio

1.36

Dividend Yield

ROCE (Latest)

15.51%

ROE (Latest)

13.56%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

NII(Q)

Highest at USD 57.19 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 89.99%

OPERATING PROFIT(Q)

Highest at USD 36.35 MM

OPERATING PROFIT MARGIN(Q)

Highest at 38.67 %

PRE-TAX PROFIT(Q)

Highest at USD 36.35 MM

NET PROFIT(Q)

Highest at USD 29.91 MM

EPS(Q)

Highest at USD 1.16

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 81.16 MM

CASH AND EQV(HY)

Lowest at USD 124.64 MM

Here's what is working for Lakeland Financial Corp. (Indiana)

NII

Highest at USD 57.19 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit

Highest at USD 36.35 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 38.67 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 36.35 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 29.91 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.16

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 89.99%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Lakeland Financial Corp. (Indiana)

Operating Cash Flow

Lowest at USD 81.16 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Cash and Eqv

Lowest at USD 124.64 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents