Lakeland Financial (LKFN): Evaluating Valuation After Strong Q3 Earnings and Improved Credit Quality

Simply Wall St.2025-11-03

Lakeland Financial (LKFN) delivered its third-quarter results, showing both stronger earnings and improved credit quality. Net income and net interest income saw year-over-year gains, while net charge...

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Net income and net interest income saw year-over-year gains, while net charge...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-lkfn/lakeland-financial/news/lakeland-financial-lkfn-evaluating-valuation-after-strong-q3\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Lakeland Financial (LKFN): Evaluating Valuation After Strong Q3 Earnings and Improved Credit Quality</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nLakeland Financial (LKFN): Evaluating Valuation After Strong Q3 Earnings and Improved Credit Quality\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-11-03 02:27 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-lkfn/lakeland-financial/news/lakeland-financial-lkfn-evaluating-valuation-after-strong-q3><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Lakeland Financial (LKFN) delivered its third-quarter results, showing both stronger earnings and improved credit quality. Net income and net interest income saw year-over-year gains, while net charge...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-lkfn/lakeland-financial/news/lakeland-financial-lkfn-evaluating-valuation-after-strong-q3\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"DCF","symbol_name":"Dreyfus Alcentra Global Credit Income 2024 Target Term Fund, Inc","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-lkfn/lakeland-financial/news/lakeland-financial-lkfn-evaluating-valuation-after-strong-q3","article_id":"2580231378","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice1-main-header/1585186561056"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-lkfn/lakeland-financial/news/lakeland-financial-lkfn-evaluating-valuation-after-strong-q3","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2580231378","pubTimestamp":1762108059,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Lakeland Financial (LKFN) delivered its third-quarter results, showing both stronger earnings and improved credit quality. Net income and net interest income saw year-over-year gains, while net charge offs decreased sharply compared to the prior quarter.\nSee our latest analysis for Lakeland Financial.\nAfter a strong earnings report and marked improvement in credit quality, Lakeland Financial’s share price sits at $57.05. Momentum has faded recently, reflected in a 1-year total shareholder...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"DCF":"Dreyfus Alcentra Global Credit Income 2024 Target Term Fund, Inc","BK4211":"区域性银行","LKFN":"莱克兰金融"},"translate_title":"Lakeland Financial(LKFN)：在第三季度盈利强劲和信贷质量改善后评估估值","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"DCF":1,"LKFN":1},"content_text":"Lakeland Financial (LKFN) delivered its third-quarter results, showing both stronger earnings and improved credit quality. Net income and net interest income saw year-over-year gains, while net charge offs decreased sharply compared to the prior quarter. See our latest analysis for Lakeland Financial. After a strong earnings report and marked improvement in credit quality, Lakeland Financial’s share price sits at $57.05. Momentum has faded recently, reflected in a 1-year total shareholder return of -9.4%. Despite this dip, the five-year total return remains positive at over 30%. If this shift in sentiment has you rethinking your approach, now’s the perfect time to explore fast growing stocks with high insider ownership. With shares trading below analyst price targets and solid recent growth in earnings, the question arises: Is Lakeland Financial undervalued at current levels, or has the market already adjusted for the company’s improved outlook and future prospects? AdvertisementPrice-to-Earnings of 14.9x: Is it justified? Lakeland Financial’s current price-to-earnings (P/E) ratio stands at 14.9x, which positions shares at a premium compared to both peers and industry averages. With the stock closing at $57.05, its valuation appears elevated given recent performance trends. The P/E ratio reflects how much investors are willing to pay for each dollar of earnings. In banking, this multiple often shows expectations for future growth relative to risk and sector stability. A higher P/E signals optimism, but it can also suggest overpricing if underlying growth does not keep pace. For Lakeland Financial, this premium invites scrutiny. The company’s P/E is noticeably higher than both the industry average of 11x and the peer average of 11.8x. This indicates investors are paying more per unit of earnings than is typical in the US banking sector. The estimated “fair” price-to-earnings ratio is a lower 10.6x, suggesting the market could recalibrate if growth or profitability does not accelerate as anticipated. Explore the SWS fair ratio for Lakeland Financial Result: Price-to-Earnings of 14.9x (OVERVALUED) However, persistent negative returns over the past year and slowing momentum could pressure valuations if earnings growth does not accelerate meaningfully from this point. Find out about the key risks to this Lakeland Financial narrative. Another View: What Does the DCF Model Show? While the current price-to-earnings ratio suggests Lakeland Financial might be overvalued relative to peers, our SWS DCF model provides a notably different perspective. The DCF estimate points to a fair value of $92.05, which is well above today’s $57.05 share price and indicates significant potential upside. So, which outlook should investors trust more? Look into how the SWS DCF model arrives at its fair value. LKFN Discounted Cash Flow as at Nov 2025Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Lakeland Financial for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 840 undervalued stocks based on their cash flows. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity.  Build Your Own Lakeland Financial Narrative Don't forget, if you have your own take or want to dig into the details yourself, you can put together a personal view in just a few minutes with Do it your way. A great starting point for your Lakeland Financial research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision. Looking for more investment ideas? Expand your investing horizons today. Don’t miss out on handpicked stock lists that match your interests and goals. Let new opportunities guide your next move.  Grow your income stream as you scan for attractive yields with these 22 dividend stocks with yields > 3%. Follow the innovations shaping healthcare by checking out these 33 healthcare AI stocks. Catch emerging trends in blockchain and digital assets using these 81 cryptocurrency and blockchain stocks.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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