Lakeland Financial vs First Financial
Lakeland Financial and First Financial are similar in size: $269m and $262m of revenue in their latest fiscal years. First Financial grew faster (20.2% against 6.1%). Lakeland Financial kept more of each dollar of sales as profit: a net margin of 38.4% against 30.3%.
| Latest fiscal year | Lakeland FinancialLKFN, 2025 | First FinancialTHFF, 2025 |
|---|---|---|
| Revenue | $269m | $262m |
| Revenue growth | 6.1% | 20.2% |
| Net income | $103m | $79.2m |
| Operating margin | — | — |
| Net margin | 38.4% | 30.3% |
| Return on equity | 14.3% | 13.2% |
| Free cash flow | $104m | $86.4m |
| Cash | $141m | $130m |
| Total debt | $184m | $188m |
| Debt to equity | — | — |
| Dividend per share | $2.00 | $2.09 |
| Dividend yield | 3.4% | 2.7% |
| Share buybacks | $20.4m | $795,000 |
| Employees | — | 946 |
| Market value | $1.53bn | $917m |
| Price vs our value range | — | — |
| Moat score | 88 (Strong) | 86 (Strong) |
| Insider trades, 12 months | 3 buys, 12 sales | 3 buys, 1 sales |