Lakeland Financial vs First Financial
LKFN and THFF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How LKFN and THFF compare
Lakeland Financial is the larger company, worth 1.7 times as much as First Financial ($1.5B against $917M).
On earnings, First Financial is cheaper: it trades at 10.0× trailing earnings, against 13.9× for Lakeland Financial.
First Financial grew revenue faster over the last twelve months (12.8% versus 7.8% for Lakeland Financial).
Lakeland Financial keeps more of each dollar of sales as profit, with a net margin of 40.1% compared with 32.0% at First Financial.
Both pay dividends: Lakeland Financial yields 3.4% and First Financial 2.9%.
Lakeland Financial scores higher on the StockData Score (16 against 15 for First Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | LKFN | THFF |
|---|---|---|
| Size and price | ||
| Market cap | $1.5B | $917M |
| Share price | $62.07 | $77.11 |
| Change, 1 year | 6.9% | 35.4% |
| Change, 5 years | −16.3% | 73.2% |
| Beta (5Y) | 0.60 | 0.55 |
| Employees | 568 | 946 |
| StockData Score | ||
| Total score | 16 (better) | 15 |
| Valuation score | 1 | 2 (better) |
| Growth score | 1 | 2 (better) |
| Performance score | 5 | 5 |
| Health score | 5 (better) | 3 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 13.9× | 10.0× (better) |
| P/S | 5.4× | 3.2× (better) |
| P/B | 2.1× | 1.4× (better) |
| P/FCF | 12.7× | 9.0× (better) |
| PEG | – | 2.13 |
| FCF yield | 7.9% | 11.1% (better) |
| Fair value | $60.30 | $74.64 |
| Margin of safety | −2.9% (better) | −3.3% |
| Growth | ||
| Revenue growth (TTM) | 7.8% | 12.8% (better) |
| Revenue growth, 5Y average | 5.1% | 6.8% (better) |
| Net income growth (TTM) | 16.4% | 23.6% (better) |
| EPS growth (TTM) | 17.9% | 23.4% (better) |
| EPS growth, 5Y average | 4.0% | 11.2% (better) |
| Profitability | ||
| Net margin | 40.1% (better) | 32.0% |
| FCF margin | 42.6% (better) | 35.8% |
| Return on equity | 15.4% (better) | 14.3% |
| Financial health | ||
| Altman Z-score | 0.34 (better) | 0.33 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.4% (better) | 2.9% |
| Payout ratio | 45.8% | 28.4% |
| Years of dividend growth | 12 (better) | 2 |
| Dividend growth, 5Y average | 10.8% | 14.8% (better) |
| Buyback yield | 2.9% (better) | 0.04% |
| Shareholder yield | 6.3% (better) | 2.9% |
| Ownership | ||
| Held by institutions | 85.1% | 81.6% |
| Held by insiders | 3.1% | 8.6% |
| Insider net buying, 12 months | −$1.3M | −$128K (better) |
| Short interest, % of float | 7.7% | 3.8% |
Go deeper
- LKFN stock overview
- LKFN income statement
- LKFN valuation and score
- THFF stock overview
- THFF income statement
- THFF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.