Lakeland Financial Corporation cash flow to debt ratio of 62.37% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Lakeland Financial Corporation's free cash flow has increased 10.56% from $93.85M last year to $103.77M, signaling increasing performance

Lakeland Financial Corporation's debt to equity ratio is 0.09, which means that the company's assets are healthy financed, signaling financial stability.

Lakeland Financial Corporation has insufficient data to evaluate this check.

Lakeland Financial Corporation has a net debt to EBITDA ratio of 0.33x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Lakeland Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Lakeland Financial Corporation's profit margin has increased (19.80%) in the last year from 21.74% to 26.04%, signaling increasing performance

Lakeland Financial Corporation's short-term liabilities of $6.17B exceed its short-term assets of $170.31M, signaling financial risk

Lakeland Financial Corporation's return on assets of 1.54% is lower than the 5.00% threshold, indicating inefficient asset utilization

Lakeland Financial Corporation's return on equity of 14.67%, is lower than 15.00%, indicating bad performance

Lakeland Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Lakeland Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Lakeland Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Lakeland Financial Corporation has a free cash flow yield of 6.82%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Lakeland Financial Corporation's yearly earnings has increased 10.57% since last year from $93.48M to $103.36M, signaling increasing performance

Lakeland Financial Corporation's yearly revenue has decreased 1.93% since last year from $430.00M to $421.71M, signaling decreasing performance

ROIC 1.54% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Lakeland Financial Corporation's 3-year revenue CAGR of 14.43% is positive, indicating growing revenue over the past 3 years

Lakeland Financial Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Lakeland Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Lakeland Financial Corporation is overvalued relative to its fair value price of 52.58 based on Discounted Cash Flow model

Lakeland Financial Corporation has an earnings yield of 7.27%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Lakeland Financial Corporation is overvalued relative to its fair value price of 30.15 based on EBITDA multiple model

Lakeland Financial Corporation has an EV/EBITDA ratio of 11.99x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Lakeland Financial Corporation is undervalued relative to its fair value price of 99.03 based on Earnings Fair Value model

Lakeland Financial Corporation has a PEG-ratio over 1 which is considered overvalued

Lakeland Financial Corporation has a price-to-book ratio of 1.99x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Lakeland Financial Corporation has a price-to-sales ratio of 3.58x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue