AlphaMadera's AlphaVal page computes Lakeland Financial Corporation's fair value using a multi-method blend (DCF, comparable-multiples, and Graham-style intrinsic value), then compares it to the current market price to flag LKFN as undervalued, fairly valued, or overvalued.

What is Lakeland Financial Corporation's fair value?

Fair value for LKFN is a model output combining discounted cash flow projections, peer-group multiples, and a Graham number floor. The live AlphaVal page shows the blended fair value alongside each method's individual estimate.

How does AlphaMadera value LKFN?

AlphaVal uses three primary techniques: a five-year discounted-cash-flow projection with terminal multiple, peer-group multiple analysis (P/E, EV/EBITDA, P/S), and Graham's defensive-investor intrinsic-value formula. Inputs come from LKFN's most recent reported fundamentals.

LKFN - Lakeland Financial Corporation

Price: -- -- | CONSENSUS: Hold DETAILS | PRICE TARGET: $66.00 DETAILS

AlphaVal

Deterministic, archetype-aware fair value

Banks, Insurers & Asset Managers 85% confidence

Primary model: P/Tangible Book × ROE Quality

Valuation Signal Fair Value Mild

Trading 6.7% below fair value

Current Price $63.61

Bear Case $44.08 30.7% downside ($44.08 - $63.61) / $63.61 = -30.7% ROTCE 10.2% → 1.46x TBV

Fair Value $68.20 7.2% upside ($68.20 - $63.61) / $63.61 = 7.2% ROTCE 13.6% → 2.26x TBV

Bull Case $82.67 30.0% upside ($82.67 - $63.61) / $63.61 = 30.0% ROTCE 15.7% → 2.74x TBV

Adjust Assumptions

Return on Tangible Equity

13.6%

Cost of Equity

8.3%

Key Value Driver

ROTCE (13.6%) vs. cost of equity (8.3%)

Implied Market Multiple 2.09x

Plain-Language Summary

Our base-case estimate uses P/Tangible Book × ROE Quality. We then blend that result with the average analyst price target of $66.00 from 10 analysts, using a 20% weight on analyst consensus. That produces an estimated intrinsic value of $68.20 per share.

Warnings

⚠ Traditional cash flow models don't work well for banks — lending activity distorts how much cash the business actually generates.

⚠ Common valuation shortcuts don't apply here — for banks, interest payments are a core business cost, not overhead.

ℹ Dividend-based valuation: $132.89 (93% above our primary estimate). Large gaps suggest the dividend may not fully reflect the company's value.

Key Risks

Book value quality matters as much as level — check loan loss reserves
Interest rate sensitivity creates non-linear earnings surprises
Insurance reserving is actuarial, not financial — errors emerge slowly