LKFN PEER ANALYSIS

Lakeland Financial Corporation — metric-by-metric comparison with peers and the industry median

LKFNLakeland Financial Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

LKFNIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	LKFN	LB	KLNMA	BFL	SKBNK	LLOY	Ind. Median
P/E	14.49	116.44	10.20	3.25●	20.06	13.38	12.88
P/B	2.12	0.68●	2.79	0.74	3.18	1.41	1.29
EV/EBITDA	11.44	306.37	7.18	-1.43●	1.78	14.82	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	LKFN	LB	KLNMA	BFL	SKBNK	LLOY	Ind. Median
Current Ratio	1.88	0.01	—	33.68●	—	0.12	0.31
Debt/Equity	10.0%	744.5%	0.0%●	9.1%	0.0%●	209.8%	38.0%
NetDebt/EBITDA	0.07	280.57	-0.00	-3.30	-13.41●	5.39	-0.58

Profitability
Metric	LKFN	LB	KLNMA	BFL	SKBNK	LLOY	Ind. Median
Net Margin	25.8%	1.4%	58.1%●	30.2%	14.2%	25.9%	20.6%
ROE	15.2%	1.0%	34.1%●	24.2%	17.5%	10.6%	10.9%
ROA	1.6%	0.1%	5.4%●	2.9%	1.2%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	LKFN	LB	KLNMA	BFL	SKBNK	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	21.7%	-80.9%	42.3%●	—	8.1%	16.2%	19.4%
Div. Yield	3.2%	4.7%	—	22.6%●	—	3.2%	2.5%
Payout	47.2%	335.1%	—	68.7%	—	—	31.4%

Valuation
Metric	LKFN	OBK	QCRH	CNOB	NBHC	BY	Ind. Median
P/E	14.49	19.92	11.94●	16.73	16.01	12.20	12.88
P/B	2.12	1.27	1.43	1.03	1.02●	1.33	1.29
EV/EBITDA	11.44	12.73	12.34	2.80●	5.15	3.21	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	LKFN	OBK	QCRH	CNOB	NBHC	BY	Ind. Median
Current Ratio	1.88	—	4.72	421.49●	63.44	3.39	0.31
Debt/Equity	10.0%	2.3%	37.3%	1.9%●	13.2%	51.5%	38.0%
NetDebt/EBITDA	0.07	-0.78	2.14	-7.77●	-5.26	-5.30	-0.58

Profitability
Metric	LKFN	OBK	QCRH	CNOB	NBHC	BY	Ind. Median
Net Margin	25.8%●	13.5%	22.2%	13.4%	17.2%	22.0%	20.6%
ROE	15.2%●	6.6%	12.6%	6.9%	7.1%	11.6%	10.9%
ROA	1.6%●	0.8%	1.4%	0.8%	0.9%	1.4%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	LKFN	OBK	QCRH	CNOB	NBHC	BY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	21.7%	5.5%	19.4%	27.6%●	-4.9%	17.6%	19.4%
Div. Yield	3.2%●	1.2%	0.3%	2.2%	2.8%	1.1%	2.5%
Payout	47.2%	23.4%	3.0%	40.9%	46.7%	13.7%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.