Lakeland Financial vs 1st Source

On this page, Lakeland Financial (Lakeland Financial Corp) and 1st Source (1ST SOURCE CORP) are compared across business models, financial performance, and market context to present a neutral view of their relative positions. The content is designed to be accessible and informative, not prescriptive. Educational content, not financial advice.

On this page, Lakeland Financial (Lakeland Financial Corp) and 1st Source (1ST SOURCE CORP) are compared across business models, financial performance, and market context to present a neutral view of ...

Comparison Snapshot

Key Financial Metrics

LKFN

Metric

SRCE

$1.50B

Market Cap

$1.59B

9.01%

Potential Profit

7.81%

Hold

Analyst Rating

Hold

Investment Analysis

Lakeland Financial

LKFN

Pros

Lakeland Financial has demonstrated consistent organic loan growth, with average loan growth of 5% reported in the latest annual results.
The company maintains a strong profitability profile, with net interest income increasing by 12% in the most recent quarter.
Lakeland Financial has a stable dividend policy, having increased its quarterly dividend by 4% in early 2025.

Considerations

Lakeland Financial's market capitalisation is relatively small, which may limit liquidity and increase volatility for investors.
The company's valuation is considered fair rather than undervalued, offering limited upside for value-focused investors.
Its business is concentrated in a specific regional market, increasing exposure to local economic conditions.

1st Source

SRCE

Pros

1st Source has shown resilience in commercial lending, maintaining a diversified loan portfolio across multiple sectors.
The company has a history of disciplined expense management, supporting stable net interest margins.
1st Source maintains a solid capital position, providing flexibility to withstand economic downturns.

Considerations

1st Source's growth rates have lagged behind some regional peers in recent quarters.
The company faces exposure to cyclical industries, which can impact asset quality during economic slowdowns.
Its stock has limited analyst coverage, which may reduce market transparency and liquidity.

About The Companies

Lakeland Financial (LKFN)

Lakeland Financial Corp (LKFN) is a regional bank holding company with a market capitalisation of about $1.56bn. It operates through a community banking subsidiary offering commercial and consumer loans, deposit accounts and related treasury services. Investors often focus on net interest margin, loan growth, asset quality and efficiency as key drivers of profitability; results can be sensitive to interest-rate movements and the health of local economies. Strengths can include customer deposit stability and relationship lending, while risks include credit losses, competition from larger banks and non-bank lenders, and regulatory oversight. For valuation and comparative purposes, look at price-to-book, return on assets and tangible common equity versus peers. This summary is educational and not personalised investment advice — consider reading the company’s filings, recent results and speak to a qualified adviser to assess suitability for your situation.

1st Source (SRCE)

1st Source Corporation is a bank holding company that, through its subsidiaries, provides a broad range of financial products and services. Its main subsidiary, 1st Source Bank, offers commercial and consumer banking, alongside trust and wealth advisory services, to individuals and businesses. The bank has a strong regional presence, operating through dozens of banking centres across Indiana, Michigan, and Florida. Uniquely, it also provides specialised financing for assets like construction equipment, private aircraft, and commercial vehicle fleets. Another subsidiary, 1st Source Insurance, Inc., offers property, casualty, health, and life insurance. This diversified model allows the company to serve various financial needs, from everyday banking to complex financing and insurance. As with any investment, the value can go down as well as up, and returns are not guaranteed. This information is for educational purposes and is not financial advice.

Which Baskets Do They Appear In?

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Published: October 16, 2025

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Which Baskets Do They Appear In?

Banking Liquidity Strain: Risks and Resilient Options

U.S. banks have significantly increased their borrowing from the Fed's emergency lending facility, signaling potential stress in short-term funding markets. This theme focuses on resilient financial institutions and technology providers that can help navigate or benefit from these tightening liquidity conditions.

Published: October 16, 2025

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Comparison Snapshot