COMP <GO>

LKFN vs TMP // EV/EBITDA & P/E VALUATION

Lakeland Financial Corporation (NASDAQ) VS. Tompkins Financial Corporation (NYSE) • 15-METRIC TALLY: LKFN 5 — TMP 2

■ METRIC PARITY

LAST: $61.02 (+1.03%) • MKT CAP: $1.51B

valuation

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LAST: $101.64 (+0.53%) • MKT CAP: $1.46B

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LKFN VS. TMP) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	LKFN	TMP	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	13.60%	17.20%	-3.60	TMP	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	6.88%	2.19%	+4.69	LKFN	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	68.00%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	-4.50%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	3.41%	2.47%	+0.94	LKFN	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	4/9	+1.00	LKFN	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	55.2	51.9	+3.25	LKFN	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	13.6x	8.5x	+5.10	TMP	/forward-pe <GO>
Enterprise Scale & Market Cap	$1.51B	$1.46B	$45.4M	LKFN	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	LKFN REV	TMP REV	LKFN GROSS %	TMP GROSS %	LKFN FCF	TMP FCF
FY 2025	$0	$75.7M	—	—	$103.8M	$31.9M
FY 2024	$0	$79.3M	—	—	$93.9M	$88.8M
FY 2023	$0	$75.0M	—	—	$114.0M	$89.0M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

LKFN // BETA —

TMP // BETA —