LKFN vs. CFBK
LKFN (Lakeland Financial Corporation) and CFBK (CF Bankshares Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, LKFN returned 9.98%/yr vs 16.45%/yr for CFBK. At a 0.06 correlation, their price movements are largely independent.
Performance
LKFN vs. CFBK - Performance Comparison
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Returns By Period
In the year-to-date period, LKFN achieves a 9.25% return, which is significantly lower than CFBK's 23.84% return. Over the past 10 years, LKFN has underperformed CFBK with an annualized return of 9.98%, while CFBK has yielded a comparatively higher 16.45% annualized return.
LKFN
- 1D
- 1.68%
- 1M
- 2.29%
- YTD
- 9.25%
- 6M
- 5.03%
- 1Y
- 5.74%
- 3Y*
- 10.87%
- 5Y*
- 2.51%
- 10Y*
- 9.98%
CFBK
- 1D
- 1.99%
- 1M
- 10.00%
- YTD
- 23.84%
- 6M
- 19.52%
- 1Y
- 33.15%
- 3Y*
- 27.28%
- 5Y*
- 11.00%
- 10Y*
- 16.45%
LKFN vs. CFBK - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LKFN Lakeland Financial Corporation | 9.25% | -14.25% | 8.68% | -7.78% | -7.00% | 52.73% | 12.55% | 24.99% | -15.41% | 4.31% |
CFBK CF Bankshares Inc. | 23.84% | -1.00% | 32.62% | -6.73% | 4.07% | 16.85% | 27.08% | 19.33% | -23.06% | 57.14% |
Correlation
The correlation between LKFN and CFBK 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, LKFN and CFBK have become more correlated (0.49) than their long-term average of 0.06, meaning their price movements have been converging.
Fundamentals
LKFN:
$1.56B
CFBK:
$193.66M
LKFN:
$4.27
CFBK:
$2.78
LKFN:
14.36
CFBK:
11.02
LKFN:
7.12
CFBK:
28.39
LKFN:
3.71
CFBK:
1.58
LKFN:
2.09
CFBK:
1.02
LKFN:
$425.24M
CFBK:
$123.25M
LKFN:
$267.89M
CFBK:
$38.77M
LKFN:
$137.10M
CFBK:
$16.18M
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Return for Risk
LKFN vs. CFBK — Risk / Return Rank
LKFN
CFBK
LKFN vs. CFBK - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Lakeland Financial Corporation (LKFN) and CF Bankshares Inc. (CFBK). 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.
| LKFN | CFBK | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.19 | ||
| Sortino ratioReturn per unit of downside risk | -1.69 | ||
| Omega ratioGain probability vs. loss probability | 1.06 | 1.28 | -0.22 |
| Calmar ratioReturn relative to maximum drawdown | 0.31 | 1.71 | -1.40 |
| Martin ratioReturn relative to average drawdown | 0.52 | 3.76 | -3.24 |
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Drawdowns
LKFN vs. CFBK - Drawdown Comparison
The maximum LKFN drawdown since its inception was -61.30%, smaller than the maximum CFBK drawdown of -98.31%. Use the drawdown chart below to compare losses from any high point for LKFN and CFBK.
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Drawdown Indicators
| LKFN | CFBK | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -61.30% | -98.31% | +37.01% |
Max Drawdown (1Y)Largest decline over 1 year | -18.57% | -19.45% | +0.88% |
Max Drawdown (3Y)Largest decline over 3 years | -31.66% | -33.46% | +1.80% |
Max Drawdown (5Y)Largest decline over 5 years | -47.35% | -37.26% | -10.09% |
Max Drawdown (10Y)Largest decline over 10 years | -47.35% | -44.71% | -2.64% |
Current DrawdownCurrent decline from peak | -17.53% | -91.00% | +73.47% |
Average DrawdownAverage peak-to-trough decline | -14.56% | -71.34% | +56.78% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 11.06% | 8.83% | +2.23% |
Volatility
LKFN vs. CFBK - Volatility Comparison
Lakeland Financial Corporation (LKFN) and CF Bankshares Inc. (CFBK) have volatilities of 6.55% and 6.36%, 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
| LKFN | CFBK | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.55% | 6.36% | +0.19% |
Volatility (6M)Calculated over the trailing 6-month period | 17.30% | 19.69% | -2.39% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.52% | 23.51% | +2.01% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 30.15% | 29.46% | +0.69% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 31.22% | 35.50% | -4.28% |
Dividends
LKFN vs. CFBK - Dividend Comparison
LKFN's dividend yield for the trailing twelve months is around 3.33%, more than CFBK's 1.11% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CFBK CF Bankshares Inc. | 1.11% | 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 | 3.33% | 3.51% | 2.79% | 2.82% | 2.19% | 1.70% | 2.24% | 2.37% | 2.49% | 1.75% | 1.53% | 2.03% |
Financials
LKFN vs. CFBK - Financials Comparison
This section allows you to compare key financial metrics between Lakeland Financial Corporation and CF Bankshares Inc.. 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
LKFN vs. CFBK - Profitability Comparison
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 - 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 - 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 - 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 - 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%.
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%.
Frequently Asked Questions
LKFN and CFBK 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 (6.55%) compared to CFBK (6.36%). In terms of maximum drawdown, LKFN dropped -61.30% vs CFBK's -98.31%.
CFBK currently has the higher Sharpe Ratio (1.42 vs 0.23), 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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