Lakeland Financial Corporation

Financial Services · Banks - Regional

Overall research band Above average

Quality Strong

Valuation Weak

Balance sheet Above average

Market confirmation Above average

One-minute company read

What this report can tell you now

What the company does

Lakeland Financial Corporation, headquartered in Warsaw, Indiana, is the parent company of Lake City Bank and provides a comprehensive range of banking and financial services. Its offerings include various deposit accounts such as checking, savings, money market, NOW, and demand deposits, as well as a diverse lending portfolio covering commercial and industrial loans, commercial real estate and multi-family financing, agri-business and agricultural loans, and consumer loans like 1-4 family mortgages. The company also delivers retail and merchant credit card services, corporate treasury management, wealth advisory, trust administration, and retail brokerage services, including annuities and life insurance. Lakeland Financial serves customers across sectors such as commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, hospitality, and healthcare. Its revenue is generated primarily through interest income from loans and deposits, as well as fees from its financial services.

The current research profile is Financial Company, with high valuation support. This is a starting point for investigation, not a forecast or recommendation.

Strongest visible signal

Business quality is the strongest visible dimension. Check valuation before treating that strength as an investment conclusion.

What to investigate next

Read the latest filing or company update, check the period behind the metrics, and investigate the dimension with the weakest band above.

Before you draw a conclusion

Read the latest filing or company update.
Check the financial period behind each metric.
Investigate the weakest score band and any missing evidence.

Headline fundamentals

A small set of signals worth checking

Operating margin29.8%Model input; read with the evidence status and period context.

Revenue CAGR · 4 years15.4%Model input; read with the evidence status and period context.

FCF margin24.6%Model input; read with the evidence status and period context.

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