Lakeland Stock Financials

LKFN
 Stock
  

USD 78.23  0.94  1.22%   

The value of Net Income Per Employee is estimated to slide to about 125.6 K. The value of Revenue Per Employee is estimated to slide to about 349 K.
  
With this module, you can analyze Lakeland financials for your investing period. You should be able to track the changes in Lakeland Finl individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

Lakeland Most Recent Estimates

Quarterly Earnings Growth YOY
0.18
EPS Estimate Next Quarter
1.06
Diluted Eps
3.98
EPS Estimate Current Year
4.16
EPS Estimate Next Year
4.34
EPS Estimate Current Quarter
1.03
Understanding current and past Lakeland Finl Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Lakeland Finl's financial statements are interrelated, with each one affecting the others. For example, an increase in Lakeland Finl's assets may result in an increase in income on the income statement.

Revenues

203.1 Million

The financial analysis of Lakeland Finl is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Lakeland Finl includes many different criteria found on its balance sheet. For example, investors should never minimize Lakeland Finl's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Lakeland Finl's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Lakeland Finl.

Lakeland Finl Corp Cash

Chance Of Financial Distress
Less than 49
Lakeland Finl Corp has less than 49 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Lakeland Finl stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Lakeland Finl's official financial statements usually reflect Lakeland Finl's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Lakeland Finl Corp. For example, before you start analyzing numbers published by Lakeland accountants, it's critical to develop an understanding of what Lakeland Finl's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Lakeland Finl's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Lakeland Finl's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Lakeland Finl's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Lakeland Finl Corp. Please utilize our Beneish M Score to check the likelihood of Lakeland Finl's management to manipulate its earnings.

Lakeland Finl Company Summary

Lakeland Finl competes with Bright Lights, PNC Bank, BRASIL ON, and BRADESCO. 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.
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CIK Number0000721994
RegionNorth America
Business Address202 East Center
SectorFinancial Services
IndustryBanks—Regional
BenchmarkDOW
Websitewww.lakecitybank.com
Phone574 267 6144
CurrencyUSD - US Dollar
You should never invest in Lakeland Finl without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Lakeland Stock, because this is throwing your money away. Analyzing the key information contained in Lakeland Finl's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Lakeland Finl Key Financial Ratios

Generally speaking, Lakeland Finl's financial ratios allow both analysts and investors to convert raw data from Lakeland Finl's financial statements into concise, actionable information that can be used to evaluate the performance of Lakeland Finl over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Lakeland Finl Corp reports annually and quarterly.

Lakeland Finl Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Lakeland Finl's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income57.33 M80.41 M87.05 M84.34 M95.73 M84.7 M
Earning Before Interest and Taxes EBIT89.63 M98.94 M107.39 M103.88 M117.44 M108.46 M
Earning Before Interest and Taxes USD89.63 M98.94 M107.39 M103.88 M117.44 M108.46 M
Gross Profit168.93 M185.17 M196.81 M195.08 M221.73 M207.21 M
Net Income57.33 M80.41 M87.05 M84.34 M95.73 M103.29 M
Net Income Common Stock57.33 M80.41 M87.05 M84.34 M95.73 M84.7 M
Net Income Common Stock USD57.33 M80.41 M87.05 M84.34 M95.73 M84.7 M
Operating Expenses79.3 M86.23 M89.42 M91.2 M104.29 M98.75 M
Operating Income89.63 M98.94 M107.39 M103.88 M117.44 M108.46 M
Revenues201.71 M239.08 M260.21 M239.95 M237.94 M203.1 M
Revenues USD168.93 M185.17 M196.81 M195.08 M221.73 M207.21 M
Selling General and Administrative Expense62.85 M66.9 M68.57 M69.44 M80.47 M76.31 M
Weighted Average Shares25.18 M25.29 M25.59 M25.47 M25.48 M23.91 M
Weighted Average Shares Diluted25.66 M25.73 M25.76 M25.57 M25.62 M24.11 M
Income Tax Expense32.3 M18.53 M20.34 M19.54 M21.71 M23.75 M

Lakeland Finl Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Lakeland Finl Corp. It measures of how well Lakeland is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Lakeland Finl brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Lakeland had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Lakeland Finl has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(9.57 M)(7.51 M)(7.98 M)(5.06 M)(6.16 M)(6.65 M)
Depreciation Amortization and Accretion5.12 M5.65 M5.93 M6.04 M6.11 M5.76 M
Net Cash Flow or Change in Cash and Cash Equivalents8.9 M40.74 M(117.54 M)150.55 M433.31 M467.52 M
Issuance Purchase of Equity Shares(495 K)(348 K)(397 K)(10.43 M)(444 K)(479.05 K)
Issuance Repayment of Debt Securities(79.39 M)94.87 M(106.48 M)(84.5 M)(10.5 M)(11.33 M)
Payment of Dividends and Other Cash Distributions(21.4 M)(25.28 M)(29.64 M)(30.57 M)(34.64 M)(35.55 M)
Net Cash Flow from Financing327.71 M102.21 M(48.89 M)775.34 M651.09 M702.49 M
Net Cash Flow from Investing(396.05 M)(166.44 M)(168.69 M)(712.02 M)(331.55 M)(357.72 M)
Net Cash Flow Investment Acquisitions and Disposals(385.9 M)(159.08 M)(156.64 M)(697.84 M)(325.62 M)(351.33 M)
Net Cash Flow from Operations77.24 M104.97 M100.04 M87.23 M113.77 M90.32 M
Share Based Compensation4.73 M4.85 M3.66 M1.72 M6.83 M5.42 M

Lakeland Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Lakeland Finl's current stock value. Our valuation model uses many indicators to compare Lakeland Finl value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Lakeland Finl competition to find correlations between indicators driving Lakeland Finl's intrinsic value. More Info.
Lakeland Finl Corp is currently regarded as number one stock in debt to equity category among related companies. It is rated fourth overall in number of employees category among related companies creating about  69.85  of Number of Employees per Debt to Equity. . Comparative valuation analysis is a catch-all model that can be used if you cannot value Lakeland Finl by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Lakeland Finl's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Lakeland Finl's earnings, one of the primary drivers of an investment's value.

Lakeland Finl Corp Systematic Risk

Lakeland Finl's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Lakeland Finl volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on Lakeland Finl Corp correlated with the market. If Beta is less than 0 Lakeland Finl generally moves in the opposite direction as compared to the market. If Lakeland Finl Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Lakeland Finl Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Lakeland Finl is generally in the same direction as the market. If Beta > 1 Lakeland Finl moves generally in the same direction as, but more than the movement of the benchmark.
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About Lakeland Finl Financials

What exactly are Lakeland Finl Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Lakeland Finl's income statement, its balance sheet, and the statement of cash flows. Potential Lakeland Finl investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Lakeland Finl investors may use each financial statement separately, they are all related. The changes in Lakeland Finl's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Lakeland Finl's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Lakeland Finl is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Lakeland has grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

Lakeland Finl November 30, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Lakeland Finl help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Lakeland Finl Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Lakeland Finl Corp based on widely used predictive technical indicators. In general, we focus on analyzing Lakeland Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Lakeland Finl's daily price indicators and compare them against related drivers.
Downside Deviation1.32
Information Ratio(0.028046)
Maximum Drawdown7.79
Value At Risk(2.12)
Potential Upside2.65
Additionally, see Correlation Analysis. Note that the Lakeland Finl Corp information on this page should be used as a complementary analysis to other Lakeland Finl's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Aroon Oscillator module to analyze current equity momentum using Aroon Oscillator and other momentum ratios.

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When running Lakeland Finl Corp price analysis, check to measure Lakeland Finl's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Lakeland Finl is operating at the current time. Most of Lakeland Finl's value examination focuses on studying past and present price action to predict the probability of Lakeland Finl's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Lakeland Finl's price. Additionally, you may evaluate how the addition of Lakeland Finl to your portfolios can decrease your overall portfolio volatility.
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Is Lakeland Finl's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Lakeland Finl. If investors know Lakeland will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Lakeland Finl listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
0.18
Market Capitalization
B
Quarterly Revenue Growth YOY
0.13
Return On Assets
0.0163
Return On Equity
0.17
The market value of Lakeland Finl Corp is measured differently than its book value, which is the value of Lakeland that is recorded on the company's balance sheet. Investors also form their own opinion of Lakeland Finl's value that differs from its market value or its book value, called intrinsic value, which is Lakeland Finl's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Lakeland Finl's market value can be influenced by many factors that don't directly affect Lakeland Finl's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Lakeland Finl's value and its price as these two are different measures arrived at by different means. Investors typically determine Lakeland Finl value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Lakeland Finl's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.