COMP <GO>
LKFN vs CASH // OPERATING MARGIN
Lakeland Financial Corporation (NASDAQ) VS. Pathward Financial Inc. (NASDAQ) • 15-METRIC TALLY: LKFN 2
— CASH 4
■ METRIC PARITY
LAST: $61.84 (+2.91%) • MKT CAP: $1.53B
operating-margins
—
LAST: $77.43 (+2.82%) • MKT CAP: $1.61B
operating-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LKFN VS. CASH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | LKFN | CASH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.60% | 21.80% | -8.20 | CASH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.88% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 22.10% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 5.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.41% | 0.29% | +3.12 | LKFN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | CASH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 61.0 | 56.6 | +4.40 | LKFN | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.6x | 8.0x | +5.60 | CASH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.53B | $1.61B | -$81.0M | CASH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | LKFN REV | CASH REV | LKFN GROSS % | CASH GROSS % | LKFN FCF | CASH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.94B | $839.9M | — | — | $103.8M | $438.9M |
| FY 2024 | $2.80B | $797.4M | — | — | $93.9M | $478.7M |
| FY 2023 | $433.1M | $727.7M | — | — | $114.0M | $327.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
LKFN // BETA —
CASH // BETA —