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Lakeland Financial Corporation (LKFN) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $58.27, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings estimates trending DOWN.

Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money... Read more

$58.27+6.0% A.UpsideScore 6.0/10#59 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.59%(5y avg 2.74%)Payout47.31%sustainable
Stop $54.87Target $61.77(resistance)A.R:R -0.8:1
Analyst target$65.50+12.4%4 analysts
$61.77our TP
$58.27price
$65.50mean
$67

Hold if already holding. Not a fresh buy at $58.27, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings estimates trending DOWN. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 6/9 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 65d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and death cross (50MA < 200MA). Suitability: aggressive.

Recent Developments — Lakeland Financial Corporation

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Earnings estimates trending DOWN
Negative momentum

Key Metrics

P/E (TTM)13.6
P/E (Fwd)12.8
Mkt Cap$1.4B
EV/EBITDA
Profit Mgn41.0%
ROE15.2%
Rev Growth18.8%
Beta0.74
Dividend3.59%
Rating analysts9

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

IV38%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Ma Position
2.0
Volume
2.4
Rsi
4.5
Obv
10.0
Volume accumulation (rising OBV)Below 200-MA (recent, shallow — too early to call)
GatesMomentum 3.8<4.5A.R:R -0.8=NEGATIVEDeath cross (50MA < 200MA)Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 65d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
44 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $56.56Resistance $63.03

Price Targets

$55
$62
A.Upside+6.0%
A.R:R-0.8:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-4.5% upside)
! Momentum score 3.8/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-24 (65d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is LKFN stock a buy right now?

Hold if already holding. Not a fresh buy at $58.27, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings estimates trending DOWN. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $61.77 (+6.0%), stop $54.87 (−6.2%), A.R:R -0.8:1. Score 6.0/10, moderate confidence.

What is the LKFN stock price target?

Take-profit target: $61.77 (+6.0% upside). Target $61.77 (+6.0%), stop $54.87 (−6.2%), A.R:R -0.8:1. Stop-loss: $54.87.

What are the risks of investing in LKFN?

Analyst target reached - limited upside remaining; Earnings estimates trending DOWN; Negative momentum.

Is LKFN overvalued or undervalued?

Lakeland Financial Corporation trades at a P/E of 13.6 (forward 12.8). TrendMatrix value score: 7.5/10. Verdict: Hold.

What do analysts say about LKFN?

9 analysts cover LKFN with a consensus score of 2.4/5. Average price target: $66.

What does Lakeland Financial Corporation do?Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking...

Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. It also offers loan products, including commercial and industrial, commercial real estate and multi-family residential, construction, agri-business and agricultural, consumer 1-4 family mortgage, and other commercial and consumer loans. In addition, the company provides retail and merchant credit card services; corporate treasury management services, private banking, and wealth advisory; retail brokerage services comprising financial and investment products, annuities, and life insurance; and trust and fiduciary services, and estate and financial planning consulting services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. The company was founded in 1872 and is headquartered in Warsaw, Indiana.

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