Lakeland Financial (LKFN) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Lakeland Financial had a P/E ratio of 14.09 (down from 18.76), return on equity of 14.3% (up from 14.0%), debt-to-equity of 0.27 (up from 0.04) and return on assets of 1.5% (up from 1.4%). Its dividend yield was 3.50% with a payout ratio of 49.8%.

Lakeland Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

Scroll to see more

Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	14.09	18.76	17.67	17.82	21.18	16.04
Forward P/E	13.66	19.33	18.92	16.64	22.29	17.28
P/S Ratio	5.66	7.44	6.88	7.86	9.14	6.93
P/B Ratio	1.91	2.56	2.55	3.25	2.88	2.06
Price/Tangible Book	1.92	2.58	2.57	3.28	2.90	2.07
Price/FCF	14.04	18.69	15.35	11.24	18.84	16.59
Price/OCF	12.68	17.11	14.54	10.92	17.82	15.50
PEG Ratio	1.44	1.44	1.44	1.44	1.44	1.44
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	14.29%	14.02%	15.39%	16.30%	14.06%	13.44%
Return on Assets (ROA)	1.51%	1.42%	1.45%	1.60%	1.55%	1.57%
Leverage & Solvency Ratios
Debt/Equity	0.27	0.04	0.12	0.52	0.11	0.13
Debt/FCF	1.98	0.27	0.71	1.80	0.70	1.05
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.10%	5.33%	5.66%	5.61%	4.72%	6.24%
FCF Yield	7.12%	5.35%	6.52%	8.89%	5.31%	6.03%
Dividend Yield	3.50%	2.82%	2.85%	2.28%	1.77%	2.65%
Payout Ratio	49.76%	52.73%	50.24%	39.35%	36.20%	36.26%
Buyback Yield	-0.12%	-0.18%	-0.04%	-0.36%	-0.18%	0.72%
Total Return	3.38%	2.64%	2.81%	1.91%	1.59%	3.37%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Lakeland Financial Financial Ratios

What is Lakeland Financial's P/E ratio?

Lakeland Financial's P/E ratio was 14.09 for fiscal 2025 (period ended Dec 31, 2025). It was 18.76 a year earlier.

What is Lakeland Financial's return on equity?

Lakeland Financial's return on equity (ROE) was 14.3% for fiscal 2025 (period ended Dec 31, 2025). It was 14.0% a year earlier.

What is Lakeland Financial's debt-to-equity ratio?

Lakeland Financial's debt-to-equity ratio was 0.27 for fiscal 2025 (period ended Dec 31, 2025). It was 0.04 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition