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Lakeland Financial Corporation (LKFN) vs Triumph Financial, Inc. (TFIN)

Lakeland Financial Corporation and Triumph Financial, Inc. are both Banks Regional companies. Lakeland Financial Corporation and Triumph Financial, Inc. are of similar size ($1.5B and $1.5B). Lakeland Financial Corporation trades at the lower P/E: 13.7× against 31.6×. Triumph Financial, Inc. grew revenue faster over the last twelve months: 12.5% against 2.03%. Lakeland Financial Corporation has the higher net margin (26.5% vs 8.39%) and the higher return on invested capital (14.1% vs 0.00%). Across the 18 metrics below, Lakeland Financial Corporation leads on 9 and Triumph Financial, Inc. on 9.

Valuation

Metric LKFN TFIN Banks Regional median
P/E 13.71 31.63 12.02
P/S 3.59 2.65 2.36
P/B 2.10 1.60 1.23
Price to free cash flow 12.76 8.95 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.29% 3.16% 8.21%
Free cash flow yield 7.84% 11.18% 9.23%

Profitability

Metric LKFN TFIN Banks Regional median
Gross margin 66.07% 83.95% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.51% 8.39% 18.82%
Free cash flow margin 28.15% 29.64% 17.97%
Return on equity 15.37% 5.22% 10.28%
Return on assets 1.61% 0.67% 1.13%
Return on invested capital 14.10% 0.00% 8.45%

Growth

Metric LKFN TFIN Banks Regional median
Revenue growth (TTM) 2.03% 12.47% 6.37%
EPS growth (last fiscal year) 10.47% 72.22% 18.85%
Revenue growth, 5-year CAGR 11.94% 6.29% 12.65%
Net income growth, 5-year CAGR 4.15% (18.69%) 9.81%

Health

Metric LKFN TFIN Banks Regional median
Debt to equity 0.00 0.04 0.17
Current ratio 0.90 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LKFN TFIN Banks Regional median
Dividend yield 3.38% — 2.49%
Payout ratio 0.47 — 0.29

Size

Metric LKFN TFIN Banks Regional median
Market cap 1.52b 1.49b 934.85m

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