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Lakeland Financial Corporation (LKFN) Stock Analysis

Momentum Cont setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $60.63, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

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

$60.63+1.2% A.UpsideScore 6.2/10#40 of 142 Banks - Regional
Stop $57.02Target $61.24(resistance)A.R:R -1.2:1
Analyst target$65.50+8.0%4 analysts
$61.24our TP
$60.63price
$65.50mean
$67

Hold if already holding. Not a fresh buy at $60.63, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Trend continuation, RSI 51, MACD bullish. Maintain position. Not compelling to add more. Score 6.2/10, moderate confidence.

Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 84d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)14.0
P/E (Fwd)13.2
Mkt Cap$1.5B
EV/EBITDA
Profit Mgn41.0%
ROE15.2%
Rev Growth18.8%
Beta0.72
Dividend3.49%
Rating analysts11

Quality Signals

Piotroski F7/9

Options Flow

IV59%elevated

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

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -1.2=NEGATIVEDeath cross (50MA < 200MA)Momentum 6.2>=5.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 84d clearSEMI CYCLE PEAK CLEARMomentum ContSuitability: Aggressive
RSI
51 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $56.43Resistance $62.49

Price Targets

$57
$61
A.Upside+1.0%
A.R:R-1.2:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-8.0% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-24 (84d)

Verdict History

reverse chrono — latest first
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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 $60.63, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Trend continuation, RSI 51, MACD bullish. Maintain position. Not compelling to add more. Target $61.24 (+1.0%), stop $57.02 (−6.3%), A.R:R -1.2:1. Score 6.2/10, moderate confidence.

What is the LKFN stock price target?

Take-profit target: $61.24 (+1.2% upside). Target $61.24 (+1.0%), stop $57.02 (−6.3%), A.R:R -1.2:1. Stop-loss: $57.02.

What are the risks of investing in LKFN?

Analyst target reached - limited upside remaining.

Is LKFN overvalued or undervalued?

Lakeland Financial Corporation trades at a P/E of 14.0 (forward 13.2). TrendMatrix value score: 7.5/10. Verdict: Hold.

What do analysts say about LKFN?

11 analysts cover LKFN with a consensus score of 3.7/5. 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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