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Lakeland Financial Corporation (LKFN) vs Peoples Bancorp Inc. (PEBO)

Lakeland Financial Corporation and Peoples Bancorp Inc. are both Banks Regional companies. Lakeland Financial Corporation and Peoples Bancorp Inc. are of similar size ($1.5B and $1.4B). Peoples Bancorp Inc. trades at the lower P/E: 11.3× against 13.7×. Lakeland Financial Corporation grew revenue faster over the last twelve months: 2.03% against −0.24%. Lakeland Financial Corporation has the higher net margin (26.5% vs 19.8%) and the higher return on invested capital (14.1% vs 8.80%). Both pay a dividend; Peoples Bancorp Inc. yields more (4.30% vs 3.38%). Across the 19 metrics below, Peoples Bancorp Inc. leads on 10 and Lakeland Financial Corporation on 9.

Valuation

Metric LKFN PEBO Banks Regional median
P/E 13.71 11.31 12.02
P/S 3.59 2.23 2.36
P/B 2.10 1.11 1.23
Price to free cash flow 12.76 8.01 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.29% 8.85% 8.21%
Free cash flow yield 7.84% 12.49% 9.23%

Profitability

Metric LKFN PEBO Banks Regional median
Gross margin 66.07% 76.32% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.51% 19.76% 18.82%
Free cash flow margin 28.15% 27.82% 17.97%
Return on equity 15.37% 10.07% 10.28%
Return on assets 1.61% 1.26% 1.13%
Return on invested capital 14.10% 8.80% 8.45%

Growth

Metric LKFN PEBO Banks Regional median
Revenue growth (TTM) 2.03% (0.24%) 6.37%
EPS growth (last fiscal year) 10.47% (9.67%) 18.85%
Revenue growth, 5-year CAGR 11.94% 22.87% 12.65%
Net income growth, 5-year CAGR 4.15% 25.16% 9.81%

Health

Metric LKFN PEBO Banks Regional median
Debt to equity 0.00 0.13 0.17
Current ratio 0.90 0.85 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LKFN PEBO Banks Regional median
Dividend yield 3.38% 4.30% 2.49%
Payout ratio 0.47 0.49 0.29

Size

Metric LKFN PEBO Banks Regional median
Market cap 1.52b 1.39b 934.85m

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