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LKFN

Lakeland Financial Corporation
Chart
$59.99
Latest Week 2026-06-05
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-06-07 · 0.0w · Fresh
0.71
OS Score
69.0%
Value
76.0%
Quality
25.0%
Momentum
5/9
F-Score
0.724
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
7 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
QV 0.724
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
8.9%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
3.4%
💰
High Yield
Div 3.4%
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 69th
🛡
Low Volatility
Vol 24%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
69.0%ile
P/E
13.9×
P/S
3.6×
P/B
2.0×
E/P
0.0718
FCF Yield
0.088
EBITDA/EV
0.089
SH Yield
0.034
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
68.00000000
/100 — 1=cheapest
VC2 (Trending Value)
31.00000000
/100
VC3 (Buyback)
31.00000000
/100
FCF yield of 8.8% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
76.0%ile
ROE
0.147
ROA
0.015
Net Margin
0.258
Op Margin
0.315
GPA
0.038
D/E
8.46
Current
1.88
F-Score
5/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
-0.006
Earn Growth
0.217
Stability
0.123
lower=better
Accruals
-0.002
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 8.46 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
25.0%ile
6M Return
4.8%
12M Return
2.6%
12-1 Mom
5.3%
Risk-Adj
0.22
Vol 252d
24.0%
Vol 60d
47.6%
↑ Expanding
Max DD 12M
-17.8%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (48%) is expanding vs long-term (24%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.71
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
21.8%
Sector Quality %ile
51.3%
P/E z-score
0.00
P/B z-score
-0.03
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
PKBK Parke Bancorp Inc 98.0% 91.0% 86.0% 88.0%
UFCS United Fire Group Inc 98.0% 96.0% 81.0% 88.0%
Factor Interactions
Volatility Expanding
60-day vol (48%) significantly exceeds 252-day (24%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
65.1% avg (7 factors)
Quality
C
46.6% avg (8 factors)
Momentum
D
37.7% avg (4 factors)
Risk
A
76.7% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.710—1—
Value %ile0.690—0—
Quality %ile0.760—1—
Momentum %ile0.250—1—
F-Score5.000—0—
Confidence1.000—1—
Volatility0.240—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
13.93
Earnings Yield (E/P)
0.0718
Price / Sales
3.60
Price / Book
2.04
Price / Cash Flow
12.68
FCF Yield
8.8%
EBITDA / EV
8.9%
Sales Yield (1/P·S)
0.2775
Shareholder Yield
Div + net buyback / mktcap
3.4%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
14.7%
Return on Assets
1.5%
Net Margin
25.8%
Operating Margin
31.5%
Gross Profit / Assets
Novy-Marx GPA
3.8%
Debt / Equity
8.46
Current Ratio
1.88
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.002
MomentumPrice trend strength over different horizons
6M Return
4.8%
12M Return
2.6%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
5.3%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.22
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
-0.6%
Earnings Growth (YoY)
21.7%
Earnings Stability (CV)
Lower = more stable
0.123
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
5
Dividend Yield
3.4%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
68
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
31
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
31
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity