Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Lakeland Financial Corporation's quarterly P/E stands at 12.3x, down 32.8% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 17.0% YoY to 11.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.93 | 12.30 | 15.58 | 14.77 | 19.05 | 18.29 | 17.89 | 17.68 | 18.22 | 14.17 | 12.11 | 21.28 | 16.66 |
| — | -32.8% | -12.9% | -16.4% | +4.6% | +29.1% | +47.8% | -16.9% | +9.4% | -21.6% | -26.2% | +28.2% | -16.0% | |
| P/S Ratio | 3.70 | 3.45 | 3.84 | 3.74 | 3.78 | 4.21 | 3.92 | 3.47 | 4.12 | 3.88 | 3.07 | 3.25 | 4.50 |
| — | -18.1% | -2.0% | +7.9% | -8.2% | +8.7% | +28.0% | +6.8% | -8.5% | -21.3% | -52.4% | -51.2% | -46.6% | |
| P/B Ratio | 2.02 | 1.93 | 2.22 | 2.23 | 2.21 | 2.59 | 2.40 | 2.42 | 2.64 | 2.58 | 2.19 | 2.11 | 2.68 |
| — | -25.6% | -7.6% | -7.8% | -16.3% | +0.5% | +9.7% | +14.9% | -1.5% | -21.9% | -39.4% | -30.7% | -13.0% | |
| P/FCF | 15.03 | 11.66 | 13.34 | 28.19 | 14.13 | 12.08 | 27.38 | 21.31 | 18.36 | 16.42 | 6.17 | 39.98 | 15.94 |
| — | -3.5% | -51.3% | +32.3% | -23.0% | -26.4% | +343.5% | -46.7% | +15.2% | +16.6% | -44.2% | +295.6% | +58.5% | |
| EV / EBITDA | 12.94 | 10.99 | 11.29 | 9.28 | 13.62 | 13.23 | 13.19 | 13.30 | 14.94 | 10.58 | 9.26 | 20.26 | 13.96 |
| — | -17.0% | -14.4% | -30.2% | -8.9% | +25.1% | +42.4% | -34.4% | +7.1% | -32.5% | -19.1% | +73.6% | +13.2% | |
| EV / EBIT | 13.43 | 10.99 | 11.86 | 9.72 | 14.51 | 13.73 | 13.95 | 14.09 | 15.82 | 10.92 | 9.78 | 22.33 | 14.79 |
| — | -20.0% | -15.0% | -31.0% | -8.3% | +25.8% | +42.6% | -36.9% | +7.0% | -33.9% | -18.5% | +81.6% | +13.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Lakeland Financial Corporation's operating margin was 34.1% in Q4 2025, up 4.4 pp QoQ and up 6.3 pp YoY. The trailing four-quarter average of 29.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 15.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.0% | 65.5% | 62.2% | 59.8% | 56.2% | 56.9% | 54.4% | 52.8% | 56.4% | 60.6% | 59.1% | 61.7% | 64.2% |
| — | +15.1% | +14.3% | +13.4% | -0.4% | -6.1% | -8.1% | -14.5% | -12.1% | -14.9% | -31.3% | -33.1% | -31.4% | |
| Operating Margin | 29.8% | 34.1% | 29.7% | 31.1% | 23.9% | 27.8% | 25.9% | 23.6% | 26.8% | 33.3% | 29.9% | 17.2% | 31.3% |
| — | +22.8% | +14.6% | +31.9% | -10.9% | -16.7% | -13.2% | +37.2% | -14.4% | +2.7% | -37.5% | -64.8% | -38.1% | |
| Net Margin | 24.5% | 28.1% | 24.5% | 25.5% | 19.8% | 23.0% | 21.8% | 19.7% | 22.6% | 27.4% | 25.4% | 15.2% | 27.1% |
| — | +22.0% | +12.2% | +29.0% | -12.3% | -16.1% | -14.0% | +29.7% | -16.7% | +0.6% | -35.3% | -62.0% | -36.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.3% | 4.0% | 3.6% | 3.8% | 2.9% | 3.5% | 3.4% | 3.5% | 3.6% | 4.9% | 4.4% | 2.4% | 4.1% |
| — | +13.2% | +5.1% | +10.8% | -19.3% | -28.7% | -21.5% | +41.6% | -13.0% | +2.8% | -16.7% | -44.2% | +15.2% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.3% | 0.4% | 0.4% | 0.3% | 0.4% | 0.5% | 0.4% | 0.2% | 0.4% |
| — | +18.6% | +7.9% | +13.7% | -17.0% | -20.6% | -9.5% | +51.8% | -5.4% | +12.0% | -14.1% | -43.5% | +5.0% | |
| ROIC | 11.6% | 3.1% | 3.2% | 3.3% | 2.4% | 3.1% | 2.9% | 2.6% | 2.7% | 4.0% | 2.7% | 1.4% | 2.5% |
| — | +0.4% | +9.4% | +25.4% | -9.3% | -22.7% | +6.3% | +88.2% | +6.9% | +19.8% | -43.6% | -63.4% | -12.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Lakeland Financial Corporation's Debt/EBITDA ratio is 5.1x, up from 1.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 73.6% YoY to 0.03x, tightening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.24 | 0.24 | 0.08 | 0.01 | 0.16 | — | 0.04 | 0.08 | 0.31 | 0.08 | 0.16 | 0.68 | 0.33 |
| — | — | +75.2% | -89.6% | -49.6% | — | -73.4% | -87.6% | -7.0% | -85.3% | — | — | +169.8% | |
| Debt / EBITDA | 1.41 | 5.07 | 1.67 | 0.18 | 4.19 | — | 1.02 | 1.93 | 6.79 | 1.34 | 2.87 | 22.01 | 6.73 |
| — | — | +63.1% | -90.7% | -38.3% | — | -64.3% | -91.2% | +0.9% | -85.2% | — | — | +168.5% | |
| Current Ratio | 0.03 | 0.03 | 0.11 | 0.13 | 0.21 | 0.10 | 0.10 | 0.20 | 0.21 | 0.21 | 0.20 | 0.23 | 0.23 |
| — | -73.6% | +5.7% | -35.8% | -1.8% | -51.3% | -48.7% | -15.6% | -9.2% | -12.3% | -19.0% | -12.3% | -32.6% | |
| Quick Ratio | 0.03 | 0.03 | 0.11 | 0.13 | 0.21 | 0.10 | 0.10 | 0.20 | 0.21 | 0.21 | 0.20 | 0.23 | 0.23 |
| — | -73.6% | +5.7% | -35.8% | -1.8% | -51.3% | -48.7% | -15.6% | -9.2% | -12.3% | -19.0% | -12.3% | -32.6% | |
| Interest Coverage | 0.82 | 0.99 | 0.83 | 0.83 | 0.65 | 0.70 | 0.61 | 0.59 | 0.64 | 0.85 | 0.74 | 0.46 | 1.01 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying LKFN stock.
Lakeland Financial Corporation's current P/E is 14.9x. The average P/E over the last 4 quarters is 15.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Lakeland Financial Corporation's current operating margin is 29.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Lakeland Financial Corporation's business trajectory between earnings reports.