Lakeland Financial (LKFN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$60.57+0.90%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · LKFN
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 12 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $61 the market pays 2.0× p/b — above the 1.2× p/b peer median but in line with its own 2× history. That premium reflects a durable franchise our peer-anchored $55 fair value understates; treat the 'expensive vs peers' read with medium confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $70.41 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $74.30 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $27.01 | — | — | TTM | high |
| graham number | 12M | $54.83 | — | — | TTM | high |
| Peer P/B | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Around its own typical valuation.
Trailing four: 2025-Q3, 2025-Q4, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $38.02 |
| 1.2 |
| 30.65 |
| TTM |
| high |
| Peer P/FCF | 12M | $51.64 | 11.7 | 4.43 | TTM | high |
| Peer P/E | 12M | $48.66 | 10.9 | 4.47 | ntm analyst | high |
| Peer P/S | 12M | $47.10 | 3.2 | 14.90 | TTM | high |
| PEG | 12M | $21.13 | 4.8 | 4.36 | TTM | high |
| residual income | 12M | $37.47 | — | — | TTM | high |
| Own P/E history | 12M | $62.85 | 14.4 | 4.36 | TTM | high |
| triangulated | 12M | $53.30 | 11.9 | 4.46 | Triangulated | high |
| Peer P/B | 3Y | $49.66 | 1.2 | 40.04 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $53.01 | 11.7 | 4.54 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $37.28 | 10.9 | 3.42 | Analyst | medium |
| Peer P/S | 3Y | $29.37 | 3.2 | 9.29 | Analyst | medium |
| PEG | 3Y | $16.58 | 4.8 | 3.42 | Analyst | medium |
| Own P/E history | 3Y | $49.34 | 14.4 | 3.42 | Analyst | medium |
| Peer P/B | 5Y | $59.35 | 1.2 | 47.85 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $53.95 | 11.7 | 4.62 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $27.21 | 10.9 | 2.50 | Analyst | high |
| Peer P/S | 5Y | $21.44 | 3.2 | 6.78 | Analyst | high |
| PEG | 5Y | $12.10 | 4.8 | 2.50 | Analyst | high |
| Own P/E history | 5Y | $36.01 | 14.4 | 2.50 | Analyst | high |