CFBK vs. LKFN
CFBK (CF Bankshares Inc.) and LKFN (Lakeland Financial Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, CFBK returned 16.23%/yr vs 9.80%/yr for LKFN. At a 0.06 correlation, their price movements are largely independent.
Performance
CFBK vs. LKFN - Performance Comparison
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Returns By Period
In the year-to-date period, CFBK achieves a 21.42% return, which is significantly higher than LKFN's 7.45% return. Over the past 10 years, CFBK has outperformed LKFN with an annualized return of 16.23%, while LKFN has yielded a comparatively lower 9.80% annualized return.
CFBK
- 1D
- 0.33%
- 1M
- 7.85%
- YTD
- 21.42%
- 6M
- 16.24%
- 1Y
- 30.88%
- 3Y*
- 26.45%
- 5Y*
- 10.49%
- 10Y*
- 16.23%
LKFN
- 1D
- 0.67%
- 1M
- 0.60%
- YTD
- 7.45%
- 6M
- 2.65%
- 1Y
- 6.94%
- 3Y*
- 10.25%
- 5Y*
- 2.57%
- 10Y*
- 9.80%
CFBK vs. LKFN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CFBK CF Bankshares Inc. | 21.42% | -1.00% | 32.62% | -6.73% | 4.07% | 16.85% | 27.08% | 19.33% | -23.06% | 57.14% |
LKFN Lakeland Financial Corporation | 7.45% | -14.25% | 8.68% | -7.78% | -7.00% | 52.73% | 12.55% | 24.99% | -15.41% | 4.31% |
Correlation
The correlation between CFBK and LKFN is 0.49, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.49 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.25 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.17 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.14 |
Correlation (All Time) Calculated using the full available price history since Dec 30, 1998 | 0.06 |
Over the past year, CFBK and LKFN have become more correlated (0.49) than their long-term average of 0.06, meaning their price movements have been converging.
Fundamentals
CFBK:
$189.87M
LKFN:
$1.54B
CFBK:
$2.78
LKFN:
$4.27
CFBK:
10.81
LKFN:
14.12
CFBK:
27.83
LKFN:
7.00
CFBK:
1.55
LKFN:
3.64
CFBK:
1.00
LKFN:
2.05
CFBK:
$123.25M
LKFN:
$425.24M
CFBK:
$38.77M
LKFN:
$267.89M
CFBK:
$16.18M
LKFN:
$137.10M
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Return for Risk
CFBK vs. LKFN — Risk / Return Rank
CFBK
LKFN
CFBK vs. LKFN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for CF Bankshares Inc. (CFBK) and Lakeland Financial Corporation (LKFN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CFBK | LKFN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.05 | ||
| Sortino ratioReturn per unit of downside risk | +1.50 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 1.07 | +0.20 |
| Calmar ratioReturn relative to maximum drawdown | 1.60 | 0.38 | +1.22 |
| Martin ratioReturn relative to average drawdown | 3.51 | 0.63 | +2.88 |
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Drawdowns
CFBK vs. LKFN - Drawdown Comparison
The maximum CFBK drawdown since its inception was -98.31%, which is greater than LKFN's maximum drawdown of -61.30%. Use the drawdown chart below to compare losses from any high point for CFBK and LKFN.
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Drawdown Indicators
| CFBK | LKFN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.31% | -61.30% | -37.01% |
Max Drawdown (1Y)Largest decline over 1 year | -19.45% | -18.57% | -0.88% |
Max Drawdown (3Y)Largest decline over 3 years | -33.46% | -31.66% | -1.80% |
Max Drawdown (5Y)Largest decline over 5 years | -37.26% | -47.35% | +10.09% |
Max Drawdown (10Y)Largest decline over 10 years | -44.71% | -47.35% | +2.64% |
Current DrawdownCurrent decline from peak | -91.17% | -18.89% | -72.28% |
Average DrawdownAverage peak-to-trough decline | -71.34% | -14.55% | -56.79% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.82% | 11.05% | -2.23% |
Volatility
CFBK vs. LKFN - Volatility Comparison
CF Bankshares Inc. (CFBK) and Lakeland Financial Corporation (LKFN) have volatilities of 6.20% and 6.37%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CFBK | LKFN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.20% | 6.37% | -0.17% |
Volatility (6M)Calculated over the trailing 6-month period | 19.66% | 17.24% | +2.42% |
Volatility (1Y)Calculated over the trailing 1-year period | 23.49% | 25.52% | -2.03% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.45% | 30.14% | -0.69% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.53% | 31.26% | +4.27% |
Dividends
CFBK vs. LKFN - Dividend Comparison
CFBK's dividend yield for the trailing twelve months is around 1.13%, less than LKFN's 3.39% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CFBK CF Bankshares Inc. | 1.13% | 1.20% | 0.98% | 1.18% | 0.85% | 0.63% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
LKFN Lakeland Financial Corporation | 3.39% | 3.51% | 2.79% | 2.82% | 2.19% | 1.70% | 2.24% | 2.37% | 2.49% | 1.75% | 1.53% | 2.03% |
Financials
CFBK vs. LKFN - Financials Comparison
This section allows you to compare key financial metrics between CF Bankshares Inc. and Lakeland Financial Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
CFBK vs. LKFN - Profitability Comparison
CFBK - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, CF Bankshares Inc. reported a gross profit of 0.00 and revenue of 28.13M. Therefore, the gross margin over that period was 0.0%.
LKFN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Lakeland Financial Corporation reported a gross profit of 67.71M and revenue of 104.92M. Therefore, the gross margin over that period was 64.5%.
CFBK - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, CF Bankshares Inc. reported an operating income of 0.00 and revenue of 28.13M, resulting in an operating margin of 0.0%.
LKFN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Lakeland Financial Corporation reported an operating income of 32.56M and revenue of 104.92M, resulting in an operating margin of 31.0%.
CFBK - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, CF Bankshares Inc. reported a net income of 4.87M and revenue of 28.13M, resulting in a net margin of 17.3%.
LKFN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Lakeland Financial Corporation reported a net income of 26.48M and revenue of 104.92M, resulting in a net margin of 25.2%.
Frequently Asked Questions
CFBK and LKFN have a correlation of 0.49, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LKFN has higher volatility (6.37%) compared to CFBK (6.20%). In terms of maximum drawdown, CFBK dropped -98.31% vs LKFN's -61.30%.
CFBK currently has the higher Sharpe Ratio (1.32 vs 0.27), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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