Lakeland Financial Stock Analysis

Lakeland Stock Analysis Notes

About 87.0% of the company shares are owned by institutional investors. The book value of Lakeland Financial was now reported as 30.23. The company has Price/Earnings To Growth (PEG) ratio of 2.04. Lakeland Financial last dividend was issued on the 23rd of January 2026. The entity had 3:2 split on the 8th of August 2016. Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services. Lakeland Financial Corporation was founded in 1872 and is headquartered in Warsaw, Indiana. Lakeland Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 600 people. To find out more about Lakeland Financial contact David Findlay at 574 267 6144 or learn more at https://www.lakecitybank.com.

Lakeland Financial Investment Alerts

Lakeland Largest EPS Surprises

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Lakeland Financial Environmental, Social, and Governance (ESG) Scores

Lakeland Stock Institutional Investors

Note, although Lakeland Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Lakeland Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.55 B.

Lakeland Profitablity

The company has Profit Margin (PM) of 0.4 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.53 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.53.

Management Efficiency

Lakeland Financial has return on total asset (ROA) of 0.0151 % which means that it generated a profit of $0.0151 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1429 %, meaning that it created $0.1429 on every $100 dollars invested by stockholders. Lakeland Financial's management efficiency ratios could be used to measure how well Lakeland Financial manages its routine affairs as well as how well it operates its assets and liabilities. As of the 12th of February 2026, Return On Equity is likely to grow to 0.15, while Return On Tangible Assets are likely to drop 0.01. At this time, Lakeland Financial's Asset Turnover is very stable compared to the past year.

Technical Drivers

As of the 12th of February 2026, Lakeland Financial secures the Risk Adjusted Performance of 0.0572, mean deviation of 1.2, and Downside Deviation of 1.28. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Lakeland Financial, as well as the relationship between them.

Lakeland Financial Price Movement Analysis

Lakeland Financial Insider Trading Activities

Lakeland Financial Outstanding Bonds

Lakeland Financial Predictive Daily Indicators

Lakeland Financial Corporate Filings

Lakeland Financial Forecast Models

Lakeland Financial's time-series forecasting models are one of many Lakeland Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Lakeland Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Lakeland Financial Bond Ratings

Lakeland Financial financial ratings play a critical role in determining how much Lakeland Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Lakeland Financial's borrowing costs.

Lakeland Financial Debt to Cash Allocation

Lakeland Financial currently holds 184.2 M in liabilities with Debt to Equity (D/E) ratio of 8.59, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Lakeland Financial's use of debt, we should always consider it together with its cash and equity.

Lakeland Financial Total Assets Over Time

Lakeland Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Lakeland Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Lakeland Financial Debt Ratio

2.88

It appears that most of the Lakeland Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Lakeland Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Lakeland Financial, which in turn will lower the firm's financial flexibility.

Lakeland Financial Corporate Bonds Issued

Lakeland Short Long Term Debt Total

Stock analysis is the technique used by a trader or investor to examine and evaluate how Lakeland Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Lakeland shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Lakeland Financial. By using and applying Lakeland Stock analysis, traders can create a robust methodology for identifying Lakeland entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Lakeland analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Lakeland analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

Lakeland Financial stock analysis indicators help investors evaluate how Lakeland Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Lakeland Financial shares will generate the highest return on investment. By understating and applying Lakeland Financial stock analysis, traders can identify Lakeland Financial position entry and exit signals to maximize returns.

Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Lakeland Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price. To learn how to invest in Lakeland Stock, please use our How to Invest in Lakeland Financial guide.You can also try the Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.

Investors evaluate Lakeland Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Lakeland Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause Lakeland Financial's market price to deviate significantly from intrinsic value.

Understanding that Lakeland Financial's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Lakeland Financial represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. Conversely, Lakeland Financial's market price signifies the transaction level at which participants voluntarily complete trades.