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Lakeland Financial Corp. (LKFN)
NASDAQ:LKFN
US Market
LKFN
Lakeland Financial
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Lakeland Financial (LKFN) Ratios

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Lakeland Financial Ratios

LKFN's free cash flow for Q2 2026 was $0.64. For the 2026 fiscal year, LKFN's free cash flow was decreased by $ and operating cash flow was $0.32. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.39 0.03 0.10 0.21 0.24
Quick Ratio
 1.39 0.03 0.10 0.21 0.24
Cash Ratio
 0.92 <0.01 0.03 0.03 0.02
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 1.84 0.02 0.02 0.02 0.03
Short-Term Operating Cash Flow Coverage
 1.84 0.68 0.00 0.00 7.70
Net Current Asset Value
$ -6.37B$ -6.06B$ -5.37B$ -4.64B$ -4.52B
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 0.03 0.00 <0.01 0.05
Debt-to-Equity Ratio
 0.09 0.24 0.00 0.08 0.52
Debt-to-Capital Ratio
 0.08 0.19 0.00 0.07 0.34
Long-Term Debt-to-Capital Ratio
 0.00 0.02 0.00 0.07 0.33
Financial Leverage Ratio
 9.36 9.17 9.77 10.04 11.31
Debt Service Coverage Ratio
 0.53 0.34 0.56 0.68 1.88
Interest Coverage Ratio
 0.92 0.82 0.63 0.75 3.41
Debt to Market Cap
 0.05 0.13 0.00 0.03 0.16
Interest Debt Per Share
 8.69 13.15 6.87 7.66 13.07
Net Debt to EBITDA
 0.04 0.97 -1.43 -0.87 1.26
Profitability Margins
Gross Profit Margin
64.08%60.99%55.06%61.31%83.64%
EBIT Margin
31.81%29.78%25.97%28.07%44.47%
EBITDA Margin
32.84%30.91%27.36%29.64%46.88%
Operating Profit Margin
31.81%29.78%25.97%28.07%44.47%
Pretax Profit Margin
31.77%29.78%25.97%28.07%44.47%
Net Profit Margin
26.04%24.51%21.74%23.85%36.89%
Continuous Operations Profit Margin
26.04%24.51%21.74%23.85%36.89%
Net Income Per EBT
81.98%82.30%83.69%84.99%82.94%
EBT Per EBIT
99.87%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.54%1.48%1.40%1.44%1.61%
Return on Equity (ROE)
14.67%13.56%13.67%14.43%18.25%
Return on Capital Employed (ROCE)
1.90%15.25%14.65%14.10%13.22%
Return on Invested Capital (ROIC)
1.54%10.40%12.26%11.98%10.72%
Return on Tangible Assets
1.54%1.48%1.40%1.44%1.62%
Earnings Yield
7.66%7.07%5.29%5.62%5.57%
Efficiency Ratios
Receivables Turnover
 14.47 14.54 15.12 13.10 10.05
Payables Turnover
 0.00 0.00 12.78 7.28 14.46
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.15 6.43 7.11 6.79 4.84
Asset Turnover
 0.06 0.06 0.06 0.06 0.04
Working Capital Turnover Ratio
 11.87 -0.07 -0.09 -0.09 -0.07
Cash Conversion Cycle
 25.22 25.10 -4.41 -22.28 11.06
Days of Sales Outstanding
 25.22 25.10 24.15 27.86 36.31
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 28.56 50.14 25.25
Operating Cycle
 25.22 25.10 24.15 27.86 36.31
Cash Flow Ratios
Operating Cash Flow Per Share
 5.14 4.48 3.99 4.45 6.63
Free Cash Flow Per Share
 4.46 4.05 3.66 4.22 6.44
CapEx Per Share
 0.69 0.43 0.34 0.23 0.19
Free Cash Flow to Operating Cash Flow
 0.87 0.90 0.92 0.95 0.97
Dividend Paid and CapEx Coverage Ratio
 1.86 1.84 1.77 2.15 3.71
Capital Expenditure Coverage Ratio
 7.50 10.33 11.87 19.03 35.13
Operating Cash Flow Coverage Ratio
 1.84 0.62 0.00 2.28 0.57
Operating Cash Flow to Sales Ratio
 0.30 0.27 0.24 0.29 0.60
Free Cash Flow Yield
7.73%7.10%5.32%6.47%8.83%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.24 14.19 18.89 17.79 17.94
Price-to-Sales (P/S) Ratio
 3.38 3.47 4.11 4.24 6.62
Price-to-Book (P/B) Ratio
 1.88 1.92 2.58 2.57 3.27
Price-to-Free Cash Flow (P/FCF) Ratio
 12.94 14.09 18.81 15.45 11.32
Price-to-Operating Cash Flow Ratio
 11.28 12.73 17.23 14.64 11.00
Price-to-Earnings Growth (PEG) Ratio
 0.70 1.36 -34.57 -1.77 2.18
Enterprise Value Multiple
 10.34 12.19 13.58 13.45 15.38
Enterprise Value
 1.45B 1.59B 1.60B 1.57B 2.03B
EV to EBITDA
 10.34 12.19 13.58 13.45 15.38
EV to Sales
 3.40 3.77 3.71 3.98 7.21
EV to Free Cash Flow
 12.99 15.31 17.02 14.51 12.34
EV to Operating Cash Flow
 11.26 13.83 15.59 13.74 11.98
Tangible Book Value Per Share
 30.51 29.56 26.44 25.18 22.09
Shareholders’ Equity Per Share
 30.86 29.75 26.63 25.37 22.28
Tax and Other Ratios
Effective Tax Rate
 0.18 0.18 0.16 0.15 0.17
Revenue Per Share
 17.04 16.46 16.75 15.35 11.02
Net Income Per Share
 4.44 4.03 3.64 3.66 4.07
Tax Burden
 0.82 0.82 0.84 0.85 0.83
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.23 0.18 0.16 0.16 0.22
Stock-Based Compensation to Revenue
 0.02 0.02 0.01 <0.01 0.03
Income Quality
 1.16 1.11 1.10 1.22 1.63
Currency in USD