Lakeland Financial Corporation (LKFN) Fair Value 2026

LKFN · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.3 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-10-07, Lakeland Financial Corporation (LKFN) trades at $57.98, versus a $41.08 median fair value across its 6 active models — 29.2% below the current price. QOC: 8.3/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
LKFN
Price
$57.98
Quality Score
8.3/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.3/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Lakeland Financial Corporation (LKFN) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Lakeland Financial Corporation (LKFN) appears overvalued as of : the median of 6 independent fair value estimates is $41.08, 29.2% below the current price of $57.98. Estimates range from $34.60 to $61.74. LKFN scores 8.3/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. LKFN’s -29.2% gap is wider than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Lakeland Financial Corporation Stock in 2026? →

What Fair Value Does Each Model Give LKFN?

6 Intrinsic Value Models vs. Current Price ($57.98)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $34.60 -40.3%
Ensemble · Medium Conviction
 $41.66 -28.1%
Intrinsic · High Conviction
 $46.45 -19.9%
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What Is LKFN's Fair Value Range?

Spread across 6 independent models · $34.60 to $61.74

CirclFi's 6 active models place Lakeland Financial Corporation (LKFN) between $34.60 and $61.74 per share, a spread of 66% of the median. The median of that range — $41.08 — is the fair value CirclFi publishes for LKFN, against a current price of $57.98.

Low · EPVHigh · Regime Cross
$34.60median $41.08$61.74
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$34.60
Most bullish modelRegime Cross-Sectional$61.74
Model agreement1 bullish · 5 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on LKFN, not a CirclFi price target. How each model works →

What Is Lakeland Financial Corporation (LKFN) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Lakeland Financial Corporation's intrinsic value is estimated at $41.08, suggesting the stock is overvalued at its current price of $57.98. With 5 out of 6 models flagging downside (-29.2% vs price), the market may be pricing in unsustainable growth. Model dispersion is worth noting: Regime Cross targets $61.74 (+6.5%), versus EPV at $34.60 (-40.3%). This +46.8% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About LKFN?

6 of 13 models are currently active for LKFN. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for LKFN is $41.08 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does LKFN Rank in Banks - Regional?

Among 352 Banks - Regional stocks, LKFN ranks #121 by Quality of Company score. CirclFi's QOC score of 8.3/10 evaluates 32 fundamental signals. A score of 8.3 places LKFN in the top tier.

See all Most Undervalued Banks - Regional Stocks →

As a lending environment, Lakeland Financial Corporation operates in a sector where non-performing loan ratio is a critical driver of valuation. Investors evaluating LKFN should weigh these sector-specific dynamics alongside our model-derived fair values.

Is LKFN a Value Trap?

CirclFi's Value Trap algorithm assigns LKFN a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Lakeland Financial Corporation. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Lakeland Financial Corporation's fundamental quality profile registers 8.3/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +46.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every LKFN valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across LKFN's 6 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Lakeland Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

PNCThe PNC Financial Services Group, Inc.QOC 8.3FRAFFranklin Financial Services CorporationQOC 8.2FSBCFive Star BancorpQOC 8.3CCBCoastal Financial CorporationQOC 8.2ZIONZions Bancorporation, National AssociationQOC 8.3RRBIRed River Bancshares, Inc.QOC 8.2EMYBEmbassy Bancorp, Inc.QOC 7.8MCHBMechanics BancorpQOC 7.1MGYRMagyar Bancorp, Inc.QOC 8.7STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: PNC · FRAF · FSBC · CCB · ZION · RRBI · EMYB · MCHB · MGYR · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to LKFN?

7 companies across all industries closest to LKFN’s Quality of Company score of 8.3/10.

SLDESlide Insurance Holdings, Inc.QOC 8.3USAQQHSLab, Inc.QOC 8.3BWMNBowman Consulting Group Ltd.QOC 8.3PSTLPostal Realty Trust, Inc.QOC 8.3QQnity Electronics, Inc.QOC 8.3FISVFiserv, Inc.QOC 8.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SLDE · USAQ · BWMN · PSTL · Q · FISV · NVDA

Where Does LKFN Sit in CirclFi's Banks - Regional Rankings?

LKFN is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Lakeland Financial Corporation’s Valuation?

What is Lakeland Financial Corporation's intrinsic value in 2026?

CirclFi puts Lakeland Financial Corporation (LKFN)'s intrinsic value at $41.08 — the median of 6 independent model estimates as of 2026-10-07, ranging from $34.60 to $61.74. The Quality of Company score is 8.3/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is LKFN overvalued or undervalued right now?

At $57.98, 1 of 6 active models suggest LKFN may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $41.08, 29.2% below the current price of $57.98 — a consensus view that LKFN is overvalued. The assessment depends on which methodology best fits Lakeland Financial Corporation's business model in Banks - Regional.

What does a Quality of Company score of 8.3 mean for LKFN?

Lakeland Financial Corporation's QOC of 8.3/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on LKFN?

CirclFi analyzes LKFN with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on LKFN?

Of the 6 models currently active on LKFN, Regime Cross-Sectional is the most bullish at $61.74 per share, and Earnings Power Value (EPV) is the most bearish at $34.60. CirclFi's published fair value for LKFN is the median of that range, $41.08, not either extreme. The gap between the two ends equals 66% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is LKFN a value trap in 2026?

Lakeland Financial Corporation's Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Lakeland Financial Corporation (LKFN) has a median fair value of $41.08 — 29.2% below the current price of $57.98 — as of 2026-10-07.” Source: circlfi.com/stock/LKFN/ · Methodology
Primary sources for this LKFN valuation
  • Financial statements: Lakeland Financial Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000721994) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for LKFN as of ; valuations recomputed .

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