Need an investment idea? Check out S2O Stock Screener. It allows to generate a list of stocks of a particular interest in a matter of seconds!

Market Price

43.02 

-0.29 -0.7%

as of Aug 22 '19

52 Week Range:

37.79 50.79


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits. Its loan products include commercial and industrial, commercial real estate and multi-family residential, agri-business and agricultural, consumer 1-4 family mortgage, and other consumer loans. The company also offers retail and merchant credit card services; corporate treasury management, wealth advisory, and trust services; retail brokerage services, including various financial and investment products, such as annuities and life insurance; and Internet business banking and online treasury management services. It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. As of January 25, 2019, the company operated 50 offices in Northern and Central Indiana. Lakeland Financial Corporation was founded in 1872 and is headquartered in Warsaw, Indiana.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 8.12
9.43
10.24
11.10
12.18
12.80
14.25
15.58
17.13
18.48
19.84
growth rate 16.1% 8.6% 8.4% 9.7% 5.1% 11.3% 9.3% 10.0% 7.9% 7.4%
Earnings BIT 28.91
27.85
36.78
45.38
52.58
58.40
67.61
70.40
78.74
92.41
growth rate -3.7% 32.1% 23.4% 15.9% 11.1% 15.8% 4.1% 11.9% 17.4%
Avg.PE 15.06
13.72
16.29
13.77
12.03
16.69
15.03
16.32
22.42
20.76
14.58
growth rate -8.9% 18.7% -15.5% -12.6% 38.7% -10.0% 8.6% 37.4% -7.4% -29.8%
ROA 0.90
0.66
0.81
1.10
1.19
1.24
1.32
1.29
1.29
1.28
1.68
growth rate -26.7% 22.7% 35.8% 8.2% 4.2% 6.5% -2.3% 0.0% -0.8% 31.3%
ROE 13.30
8.67
9.03
11.79
12.40
12.54
12.82
12.30
12.71
12.80
16.24
growth rate -34.8% 4.2% 30.6% 5.2% 1.1% 2.2% -4.1% 3.3% 0.7% 26.9%
ROIC 19.59
9.84
10.02
15.82
16.10
10.19
10.79
growth rate -49.8% 1.8% 57.9% 1.8% -36.7% 5.9%
Leverage 15.86
11.38
10.86
10.58
10.29
9.87
9.53
9.58
10.05
9.99
9.35
growth rate -28.3% -4.6% -2.6% -2.7% -4.1% -3.4% 0.5% 4.9% -0.6% -6.4%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 8.48
8.58
8.66
9.46
11.69
14.09
growth rate 1.1% 1.0% 9.2% 23.5% 20.6%
Acct.Payable 13.55
4.76
2.92
2,873.12
3,183.42
3,577.91
4,008.66
4,044.07
growth rate -64.9% -38.7% 98,362.0% 10.8% 12.4% 12.0% 0.9%
Cur.Assets 101.42
93.89
185.04
193.66
235.15
growth rate -7.4% 97.1% 4.7% 21.4%
Total Assets 2,377.40
2,571.50
2,681.90
2,889.69
3,064.14
3,175.76
3,443.28
3,766.29
4,290.03
4,682.98
4,875.25
growth rate 8.2% 4.3% 7.8% 6.0% 3.6% 8.4% 9.4% 13.9% 9.2% 4.1%
Cash 57.10
49.00
60.10
524.30
634.42
535.43
81.04
78.37
156.08
165.68
210.52
growth rate -14.2% 22.7% 772.4% 21.0% -15.6% -84.9% -3.3% 99.2% 6.2% 27.1%
Inventory 0.28
0.21
0.15
0.04
0.32
growth rate -26.1% -27.1% -73.9% 690.0%
Cur.Liabilities 3,036.47
3,326.82
3,813.63
4,165.65
4,300.02
growth rate 9.6% 14.6% 9.2% 3.2%
Liabilities 2,227.60
2,291.50
2,434.90
2,616.49
2,766.41
2,853.89
3,081.90
3,373.39
3,862.96
4,214.31
4,353.55
growth rate 2.9% 6.3% 7.5% 5.7% 3.2% 8.0% 9.5% 14.5% 9.1% 3.3%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
30.96
30.96
30.96
30.93
30.93
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -98.5% 0.0% 0.0% -0.1% 0.0%
Equity 149.90
280.00
247.00
273.20
297.74
321.88
361.30
392.81
426.98
468.58
521.62
growth rate 86.8% -11.8% 10.6% 9.0% 8.1% 12.3% 8.7% 8.7% 9.7% 11.3%
Common Shares 19.00
19.00
24.00
24.00
25.00
25.00
25.00
25.00
25.00
26.00
26.00
growth rate 0.0% 26.3% 0.0% 4.2% 0.0% 0.0% 0.0% 0.0% 4.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 4.90
1.30
3.00
6.66
2.90
7.50
6.57
9.17
9.83
9.58
7.97
growth rate -73.5% 130.8% 122.0% -56.5% 158.9% -12.5% 39.6% 7.2% -2.5% -16.8%
Cash Dividends 7.40
9.70
11.60
10.06
13.64
9.39
13.57
15.71
18.21
21.41
25.29
growth rate 31.1% 19.6% -13.3% 35.6% -31.2% 44.6% 15.8% 15.9% 17.6% 18.1%
Cash From OA 29.40
24.30
45.70
51.40
50.59
62.97
54.38
55.78
62.20
77.24
104.98
growth rate -17.4% 88.1% 12.5% -1.6% 24.5% -13.6% 2.6% 11.5% 24.2% 35.9%
FCF per Share 1.30
1.18
1.75
1.92
1.93
2.31
1.87
2.01
1.97
2.21
3.59
growth rate -9.2% 48.3% 9.7% 0.5% 19.7% -19.1% 7.5% -2.0% 12.2% 62.4%
Sale Purchase of Stock 0.22
0.47
0.50
0.06
0.01
0.61
-2.23
growth rate 111.2% 6.6% -88.7% -79.0% 5,016.7% -100.0%
FCF 24.00
23.00
43.00
45.00
48.00
55.00
49.00
47.00
52.00
68.00
97.00
growth rate -4.2% 87.0% 4.7% 6.7% 14.6% -10.9% -4.1% 10.6% 30.8% 42.7%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 86.60
102.50
114.20
144.10
139.57
138.47
132.36
137.41
150.20
168.90
184.98
growth rate 18.4% 11.4% 26.2% -3.2% -0.8% -4.4% 3.8% 9.3% 12.5% 9.5%
Op.Income 28.90
27.80
36.80
30.66
35.39
38.84
68.13
71.24
79.22
91.43
100.65
growth rate -3.8% 32.4% -16.7% 15.4% 9.7% 75.4% 4.6% 11.2% 15.4% 10.1%
IBT 28.91
27.85
36.78
45.38
52.58
58.40
66.19
69.20
77.22
89.63
98.94
growth rate -3.7% 32.1% 23.4% 15.9% 11.1% 13.3% 4.6% 11.6% 16.1% 10.4%
Net Income 19.70
19.00
24.50
30.66
35.39
38.84
43.81
46.37
52.08
57.33
80.41
growth rate -3.6% 29.0% 25.2% 15.4% 9.7% 12.8% 5.9% 12.3% 10.1% 40.3%
EPS 1.05
0.84
0.88
1.25
1.43
1.55
1.74
1.84
2.05
2.23
3.13
growth rate -20.0% 4.8% 42.1% 14.4% 8.4% 12.3% 5.8% 11.4% 8.8% 40.4%
Gross Profit 132.36
137.41
150.20
168.90
184.98
growth rate 3.8% 9.3% 12.5% 9.5%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 3,934.95
4,015.92
4,044.07
4,147.44
4,221.30
growth rate 2.1% 0.7% 2.6% 1.8%
Cur.Assets 201.66
202.04
235.15
209.59
220.04
growth rate 0.2% 16.4% -10.9% 5.0%
Total Assets 4,760.87
4,757.62
4,875.25
4,891.89
4,975.52
growth rate -0.1% 2.5% 0.3% 1.7%
Cash 180.23
182.32
210.52
188.75
196.37
growth rate 1.2% 15.5% -10.3% 4.0%
Inventory 0.12
0.43
0.32
0.40
0.32
growth rate 261.9% -26.0% 26.3% -19.1%
Cur.Liabilities 4,048.52
4,122.02
4,300.02
4,281.23
4,348.75
growth rate 1.8% 4.3% -0.4% 1.6%
Liabilities 4,274.39
4,259.08
4,353.55
4,348.62
4,410.16
growth rate -0.4% 2.2% -0.1% 1.4%
LT Debt 205.93
110.93
30.93
36.32
30.93
growth rate -46.1% -72.1% 17.4% -14.9%
Equity 486.40
498.45
521.62
543.18
565.27
growth rate 2.5% 4.7% 4.1% 4.1%
Common Shares 109.22
111.05
112.38
111.57
112.69
growth rate 1.7% 1.2% -0.7% 1.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 2.91
1.84
2.54
2.09
growth rate -36.6% 37.7% -17.6%
Cash Dividends 6.59
6.58
6.58
6.58
growth rate -0.1% 0.0% 0.1%
Cash From OA 19.62
29.61
29.81
23.66
growth rate 51.0% 0.7% -20.6%
Sale Purchase of Stock
growth rate
FCF 16.71
27.77
27.27
21.57
growth rate 66.2% -1.8% -20.9%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 45.53
47.26
49.40
48.53
49.21
growth rate 3.8% 4.5% -1.7% 1.4%
Op.Income 25.66
25.66
27.26
26.47
27.53
growth rate 0.0% 6.2% -2.9% 4.0%
IBT 25.25
25.25
26.84
26.06
27.12
growth rate 0.0% 6.3% -2.9% 4.1%
Net Income 20.14
20.57
21.36
21.68
21.71
growth rate 2.1% 3.9% 1.5% 0.1%
EPS
growth rate
Gross Profit 45.53
47.26
49.40
48.53
49.21
growth rate 3.8% 4.5% -1.7% 1.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (89.21)

YOY Growth Grade:

C (64.29)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.51 13.20 13.75
EPS / Growth 10.9% 3.26 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 10.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 10.0% 10.3% 10.3%
Future PE 13.75 16.31 16.31
Future EPS 8.46 8.72 8.72
Value Price
MOS %
28.74
-33.2%
35.17
-18.3%
35.17
-18.3%
MOS Price 14.37 17.58 17.58
IRT 8.26 8.17 8.17

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.