LKFN Stock Analysis: Buy, Sell, or Hold?
LKFN - Lakeland Financial Corp
$59.60
0.35 (0.59%)
▲
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: LKFN shows positive signals but monitor for confirmation. Market pricing in 1.7% decline. Moderate conviction.
💡 BUY OPPORTUNITY: LKFN shows positive signals but monitor for confirmation. Market pricing in 1.7% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$78.15
Based on 4.5% avg growth
INTRINSIC VALUE TODAY
$48.52
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 14.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LKFN is currently trading at $59.60, which is considered slightly high relative to its 30-day fair value range of $57.08 to $59.95. The stock's valuation (Forward PE: 13.3) is in line with its historical norms (14.0). Remarkably, the market is currently pricing in an annual earnings decline of 1.7% over the next few years. This pessimistic expectation contrasts with the company's recent 23.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, LKFN is in a strong downtrend. The price is currently testing key support at $58.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: LKFN has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $66.20 (+11.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, LKFN is in a strong downtrend. The price is currently testing key support at $58.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: LKFN has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $66.20 (+11.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$57.08 -
$59.95
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
73.8%
All Signals
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($66.20)
Fair Price Analysis
30-Day Fair Range
$57.08 -
$59.95
Current vs Fair Value
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$58.02
Resistance Level
$62.55
Current Trend
Strong Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
13.27
Wall Street Target
$66.20
(+11.1%)
Revenue Growth (YoY)
16.6%
Earnings Growth (YoY)
23.3%
Profit Margin
40.2%
Valuation Discount vs History
-1.7% cheaper
PE vs Historical
13.3 vs 14.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.7%
(market-implied from PE analysis)
1-Year Target
$58.59
(-2%)
2-Year Target
$57.59
(-3%)
3-Year Target
$56.61
(-5%)
3-Yr Target (if PE normalizes)
(PE: 13→14)
$59.71
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 4.9%)
$115.60
(+94%)
Base:
(SPY PE: 13.3, Growth: 4.9%)
$68.81
(+16%)
Bear:
(PE: 11.3, Growth: 4.9%)
$58.49
(-2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 14.50 | Current EPS (TTM): $4.01
Bull Case
$71.60
(+20%)
Analyst growth 12.0%, PE expands to 16.0
Base Case
$65.09
(+9%)
Market implied 12.0%, PE stable at 14.5
Bear Case
$39.53
(-34%)
Severe decline -20.0%, PE contracts to 12.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.3 to 14.0
Stabilization Target:
$62.86
(+5.5%)
PE Expansion Potential:
+5.5%
Last updated: February 01, 2026 3:57 PM ET
Data refreshes hourly during market hours. Next update: 4:57 PM
Data refreshes hourly during market hours. Next update: 4:57 PM
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Technical Signals Check
Is LKFN showing a specific setup today?
Insider Activity (6 Months)
1
Buys
1
Sells
0
Net
INSIDERS SELLING
Recent Transactions
Robert E Bartels Jr
BUY
296 shares
2025-09-08
Eric H Ottinger
SELL
4635 shares
2025-08-25
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