Value
7.5/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 8.2 |
| P/S | 6.5 |
| Fwd P/E | 8.6 |
| PEG | 10.0 |
| Analyst target | 4.0 |
- ▸Forward P/E: 13.2x
- ▸PEG: 0.40
- ▸Attractively valued
LKFN · Why this verdict
Why Lakeland Financial (LKFN) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score5.9/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
5.9/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 5.1 |
| ROA | 1.1 |
| Gross margin | 0.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Moat | 5.9 |
| Piotroski F | 8.9 |
- ▸Strong margins: 41%
- ▸Strong Piotroski F-Score: 8/9
Growth
7.9/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 7.2 |
| EPS growth | 8.7 |
Momentum
3.7/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 5.5 |
| MACD | 3.6 |
| OBV | 1.0 |
| MA position | 5.0 |
| Volume | 3.5 |
- ▸Volume distribution (falling OBV)
- ▸Above 200-MA but MA slope flat
Sentiment
5.4/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 5.0 |
| Price target | 6.3 |
| erm sentiment | 5.0 |
Insider
3.9/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 4.5 |
| insider conviction | 2.0 |
| holder change | 5.1 |
- ▸Modest insider selling — $570,247 (0.038% of mkt cap)
Peer rank
5.7/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 2.3 |
| quality rank | 8.7 |
| growth rank | 7.0 |
- ▸Superior ROE vs peers
- ▸Best-in-class margins
Technical
6.2/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 5.2 |
| support resistance | 5.6 |
| 52w position | 7.8 |
Risk (lower is worse)
5.3/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 5.3 |
| days to cover | 0.0 |
| volatility | 6.2 |
| implied vol | 6.2 |
| beta | 8.6 |
Catalyst
5.3/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 3.5 |
| earnings history | 6.7 |
| earnings timing | 5.0 |
| surprise avg | 4.9 |
| dividend safety | 6.5 |
- ▸Strong earnings: 3B/1M
- ▸Dividend: 348.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (6)
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:34d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (2)
- MOMENTUM:3.7<4.5
- ASYMMETRY:-1.5=NEGATIVE
Warning (0)
none
Reward-to-Risk
-1.49
Upside
-7.5%
Downside
5.0%
Sizing output
AVOID
SetupRANGE_BOUND — RSI 54 mid-range, Bollinger mid-band
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — MCap $1.5B<$5B
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: INSIDER:OK. Top dim: Growth at 7.9; weakest: Momentum at 3.7. No conviction either direction.
The strongest dimensions are Growth at 7.9, Value at 7.5, and Technical at 6.2; the weakest are Momentum at 3.7, Insider at 3.9, and Catalyst at 5.3. The V9 engine flagged 2 failed gates, producing an asymmetric reward-to-risk of -1.49 and an engine sizing output of AVOID.