Lakeland Financial Corporation (LKFN)vsRoyal Bank of Canada (RY)
LKFN
Lakeland Financial Corporation
$61.55
-1.68%
FINANCIAL SERVICES · Cap: $1.56B
RY
Royal Bank of Canada
$181.68
+0.18%
FINANCIAL SERVICES · Cap: $252.56B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 23575% more annual revenue ($63.42B vs $267.89M). LKFN leads profitability with a 41.0% profit margin vs 33.1%. LKFN appears more attractively valued with a PEG of 1.44. LKFN earns a higher WallStSmart Score of 75/100 (B).
LKFN
Strong Buy75
out of 100
Grade: B
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Attractively priced relative to earnings
Reasonable price relative to book value
18.8% revenue growth
Earnings expanding 33.3% YoY
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : LKFN
The strongest argument for LKFN centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 41.0% and operating margin at 49.4%. Revenue growth of 18.8% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bear Case : LKFN
The primary concerns for LKFN are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
LKFN profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.94 — expect wider price swings.
LKFN is growing revenue faster at 18.8% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
LKFN scores higher overall (75/100 vs 68/100), backed by strong 41.0% margins and 18.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Lakeland Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lakeland Financial Corporation is the banking holding company for Lake City Bank offering various banking products and services. The company is headquartered in Warsaw, Indiana.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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