Lakeland Z Score
LKFN  Stock  USD 78.23 0.52 0.67% 
Lakeland  Z Score 
Lakeland Z Score Analysis
Lakeland Finl's ZScore is a simple linear, multifactor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..2019  2020  2021  2022 (projected)  
Revenue Per Employee  458.11 K  409.04 K  386.26 K  348.98 K 
Net Income Per Employee  153.25 K  143.77 K  155.41 K  125.55 K 
Z Score  =  Sum Of   5 Factors 
 
 
 
 

Lakeland Z Score Driver Correlations
Understanding the fundamental principles of building solid financial models for Lakeland Finl is extremely important. It helps to project a fair market value of Ford stock properly, considering its historical fundamentals such as Z Score. Since Lakeland Finl's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Lakeland Finl's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Lakeland Finl's interrelated accounts and indicators.
0.45  0.89  0.54  0.58  0.59  0.46  
0.45  0.69  0.55  0.98  0.94  1.0  
0.89  0.69  0.6  0.78  0.77  0.7  
0.54  0.55  0.6  0.61  0.57  0.55  
0.58  0.98  0.78  0.61  0.97  0.98  
0.59  0.94  0.77  0.57  0.97  0.94  
0.46  1.0  0.7  0.55  0.98  0.94 
Click cells to compare fundamentals
To calculate ZScore one would need to know current working capital of the company, its total assets, and liabilities, amount of latest retained earnings as well as earnings before interest and tax. ZScore can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with ZScores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a socalled 'grey area' with scores of less than 1, indicating the high probability of distress. Z Score is used widely by financial auditors, accountants, money managers, loan processers, wealth advisers, as well as day traders. In the last 25 years, many financial models that utilize z score has been proved to be successful as a predictor of corporate bankruptcy.
Compare to competition 
Based on the company's disclosures, Lakeland Finl Corp has a Z Score of 0.0. This is 100.0% lower than that of the Financial Services sector and about the same as Banksâ€”Regional (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.
Lakeland Z Score Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Lakeland Finl's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Lakeland Finl could also be used in its relative valuation, which is a method of valuing Lakeland Finl by comparing valuation metrics of similar companies.Lakeland Finl is currently under evaluation in z score category among related companies.
Lakeland Finl Current Valuation Drivers
We derive many important indicators used in calculating different scores of Lakeland Finl from analyzing Lakeland Finl's financial statements. These drivers represent accounts that assess Lakeland Finl's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Lakeland Finl's important valuation drivers and their relationship over time.
2017  2018  2019  2020  2021  2022 (projected)  
Net Income Per Employee  106.36 K  145.41 K  153.25 K  143.77 K  155.41 K  125.55 K  
Revenue Per Employee  374.22 K  432.33 K  458.11 K  409.04 K  386.26 K  348.98 K  
Average Assets  4.46 B  4.78 B  4.94 B  5.46 B  6.26 B  5.7 B  
Earnings Before Interest Taxes and Depreciation Amortization EBITDA  94.75 M  104.6 M  113.31 M  109.92 M  123.55 M  114.22 M  
Earnings Before Interest Taxes and Depreciation Amortization USD  94.75 M  104.6 M  113.31 M  109.92 M  123.55 M  114.22 M  
Earnings before Tax  89.63 M  98.94 M  107.39 M  103.88 M  117.44 M  108.46 M  
Average Equity  454.62 M  494.93 M  572.7 M  630.28 M  679.22 M  612.56 M  
Enterprise Value  1.19 B  1.04 B  1.15 B  1.33 B  1.55 B  1.37 B  
Free Cash Flow  67.67 M  97.47 M  92.06 M  82.17 M  107.61 M  95.72 M  
Invested Capital  4.68 B  4.93 B  5.01 B  5.66 B  5.94 B  5.62 B  
Invested Capital Average  4.51 B  4.82 B  4.91 B  5.39 B  5.75 B  5.42 B  
Market Capitalization  1.22 B  1.02 B  1.25 B  1.38 B  2.03 B  1.65 B  
Tangible Asset Value  4.68 B  4.87 B  4.94 B  5.83 B  6.55 B  5.95 B 
Lakeland Finl Institutional Holders
Institutional Holdings refers to the ownership stake in Lakeland Finl that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Lakeland Finl's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in highprofile magazines, and presentations at investor conferences help move the stock higher, increasing Lakeland Finl's value.Security Type  Shares  Value  
Zurcher Kantonalbank Zurich Cantonalbank  Common Shares  2.9 K  190 K  
Zurcher Kantonalbank Zurich Cantonalbank  Common Shares  2.9 K  208 K  
Zurcher Kantonalbank Zurich Cantonalbank  Common Shares  2.9 K  229 K  
Zurcher Kantonalbank Zurich Cantonalbank  Common Shares  2.9 K  203 K  
Zurcher Kantonalbank Zurich Cantonalbank  Common Shares  2.9 K  176 K  
Zurcher Kantonalbank Zurich Cantonalbank  Common Shares  3.4 K  238 K  
Zurcher Kantonalbank Zurich Cantonalbank  Common Shares  3.4 K  184 K 
Lakeland Fundamentals
Return On Equity  16.99 %  
Return On Asset  1.63 %  
Profit Margin  44.08 %  
Operating Margin  54.40 %  
Current Valuation  1.88 B  
Shares Outstanding  25.3 M  
Shares Owned by Insiders  3.52 %  
Shares Owned by Institutions  82.76 %  
Number of Shares Shorted  1.8 M  
Price to Earning  22.01 X  
Price to Book  3.02 X  
Price to Sales  8.49 X  
Revenue  231.69 M  
Gross Profit  221.73 M  
EBITDA  26.48 M  
Net Income  102.12 M  
Cash and Equivalents  204.8 M  
Cash per Share  8.08 X  
Total Debt  5.44 M  
Debt to Equity  8.59 %  
Book Value Per Share  25.76 X  
Cash Flow from Operations  162.75 M  
Short Ratio  16.37 X  
Earnings Per Share  3.53 X  
Price to Earnings To Growth  1.99 X  
Number of Employees  600  
Beta  0.73  
Market Capitalization  1.97 B  
Total Asset  4.2 B  
Retained Earnings  411.89 M  
Five Year Return  2.19 %  
Last Dividend Paid  1.6 
About Lakeland Finl Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Lakeland Finl Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Lakeland Finl using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Lakeland Finl Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.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.
Lakeland Finl Investors Sentiment
The influence of Lakeland Finl's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decisionmaking process regarding taking a position in Lakeland. The overall investor sentiment generally increases the direction of a stock movement in a oneyear investment horizon. However, the impact of investor sentiment on the entire stock markets does not have a solid backing from leading economists and market statisticians.
Investor biases related to Lakeland Finl's public news can be used to forecast risks associated with investment in Lakeland. The trend in average sentiment can be used to explain how an investor holding Lakeland can time the market purely based on public headlines and social activities around Lakeland Finl Corp. Please note that most equiteis that are difficult to arbitrage are affected by market sentiment the most.
Lakeland Finl's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Lakeland Finl's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average Lakeland Finl's news discussions. The higher the estimated score, the more favorable is the investor's outlook on Lakeland Finl.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Lakeland Finl in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Lakeland Finl's short interest history, or implied volatility extrapolated from Lakeland Finl options trading.
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Additionally, see Lakeland Finl Piotroski F Score and Lakeland Finl Valuation 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 Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.
Complementary Tools for Lakeland Stock analysis
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 2 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.