LKFN
Lakeland Financial Corporation Financial Services - Banks - Regional Investor Relations →
Lakeland Financial Corporation (LKFN) closed at $59.86 as of 2026-06-19, trading 1.7% above its 200-week moving average of $58.83. The stock is currently moving closer to the line, down from 5.0% last week. The 14-week RSI sits at 58, indicating neutral momentum.
Over the past 14 weeks, down-weeks have had more trading volume than up-weeks (0.58 buyers-vs-sellers ratio). That means when people are active, they're more often selling than buying. Sellers are still more in control than buyers.
Over the past 1457 weeks of data, LKFN has crossed below its 200-week moving average 28 times. On average, these episodes lasted 13 weeks. Historically, investors who bought LKFN at the start of these episodes saw an average one-year return of +10.8%.
With a market cap of $1491 million, LKFN is a small-cap stock. Return on equity stands at 15.2%, a solid level. The stock trades at 2.0x book value.
Over the past 28 years, a hypothetical investment of $100 in LKFN would have grown to $1766, compared to $1085 for the S&P 500. That represents an annualized return of 10.8% vs 8.9% for the index — confirming LKFN as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -14.2% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: LKFN vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After LKFN Crosses Below the Line?
Across 27 historical episodes, buying LKFN when it crossed below its 200-week moving average produced an average return of +12.9% after 12 months (median +6.0%), compared to +4.6% for the S&P 500 over the same periods. 54% of those episodes were profitable after one year. After 24 months, the average return was +27.1% vs +17.2% for the index.
Each line shows $100 invested at the moment LKFN crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices LKFN would reach each dislocation threshold.
Dislocation Price Levels
Prices where LKFN's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-07-24.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $56.71 | Unusually cheap — potential buy zone |
| Value | +1σ | $58.34 | Cheap vs. own history |
| Fair Value | +0σ | $60.08 | Historical mean behavior |
| Expensive | -1σ | $61.92 | Expensive vs. own history |
| Deep Expensive | -2σ | $63.87 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from LKFN's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
LKFN has crossed below its 200-week MA 28 times with an average 1-year return of +10.8% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jul 1998 | Aug 2001 | 161 | 41.6% | -21.8% | +1568.1% |
| Sep 2001 | Oct 2001 | 3 | 3.6% | +56.8% | +2088.3% |
| Nov 2001 | Nov 2001 | 3 | 1.3% | +59.0% | +2059.4% |
| Nov 2007 | Dec 2007 | 4 | 5.2% | +10.6% | +631.9% |
| Dec 2007 | Jan 2008 | 4 | 7.8% | +26.4% | +680.0% |
| Mar 2008 | Mar 2008 | 1 | 0.3% | -23.0% | +620.4% |
| Jun 2008 | Jul 2008 | 2 | 4.9% | -1.2% | +630.5% |
| Aug 2008 | Aug 2008 | 1 | 1.5% | +1.3% | +600.0% |
| Aug 2008 | Sep 2008 | 1 | 2.0% | +2.6% | +601.1% |
| Oct 2008 | Oct 2008 | 2 | 8.8% | +6.1% | +603.8% |
| Nov 2008 | Nov 2008 | 1 | 8.6% | -9.3% | +644.2% |
| Jan 2009 | Sep 2009 | 34 | 28.2% | -9.7% | +624.8% |
| Sep 2009 | Oct 2009 | 1 | 3.0% | -4.3% | +588.5% |
| Oct 2009 | Apr 2010 | 24 | 18.8% | -4.6% | +567.8% |
| May 2010 | Jun 2010 | 1 | 0.3% | +10.7% | +577.3% |
| Jul 2010 | Jul 2010 | 1 | 3.5% | +26.1% | +600.5% |
| Aug 2010 | Nov 2010 | 12 | 6.6% | +11.0% | +595.0% |
| Feb 2020 | Jun 2020 | 16 | 23.9% | +73.3% | +74.5% |
| Sep 2020 | Oct 2020 | 3 | 7.1% | +54.5% | +64.3% |
| Apr 2023 | Dec 2023 | 34 | 25.0% | +5.3% | +15.8% |
| Apr 2024 | Apr 2024 | 3 | 3.8% | -9.0% | +10.0% |
| Jun 2024 | Jul 2024 | 4 | 5.1% | +1.3% | +6.4% |
| Aug 2024 | Aug 2024 | 1 | 0.2% | +1.9% | +2.9% |
| Mar 2025 | Jun 2025 | 17 | 17.7% | -5.6% | +0.2% |
| Jul 2025 | Aug 2025 | 2 | 1.7% | N/A | -0.3% |
| Oct 2025 | Feb 2026 | 17 | 6.7% | N/A | +0.6% |
| Feb 2026 | Apr 2026 | 6 | 7.2% | N/A | +3.9% |
| May 2026 | May 2026 | 1 | 3.0% | N/A | +4.5% |
| Average | 13 | — | +10.8% | — |
Frequently Asked Questions
Is LKFN below its 200-week moving average?
No. Lakeland Financial Corporation (LKFN) is currently 1.7% above its 200-week moving average of $58.83. It would need to fall to $58.83 to cross below the line.
What is LKFN's 200-week moving average price?
Lakeland Financial Corporation's 200-week moving average is $58.83 as of 2026-06-19. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when LKFN drops below its 200-week moving average?
LKFN has crossed below its 200-week moving average 28 times in our data. On average, buying at that moment produced a one-year return of +10.8%. These dips have historically been decent entry points. These episodes lasted 13 weeks on average.
Is LKFN a good value right now?
Here's what our data says about LKFN as of 2026-06-19: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 58. Return on equity is 15.2%. Price-to-book is 2.0x. This is not a buy or sell recommendation — always do your own research.
How does LKFN compare to the S&P 500?
Over the past 28 years, $100 invested in LKFN would have grown to $1766, compared to $1085 for the S&P 500. That's 10.8% annualized vs 8.9% for the index. LKFN has outperformed the broader market over this period.
Does LKFN pay a dividend?
Yes. Lakeland Financial Corporation currently pays a dividend yield of 339.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-06-19