LKFN vs. PCB
LKFN (Lakeland Financial Corporation) and PCB (PCB Bancorp) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, LKFN returned 9.15%/yr vs 12.26%/yr for PCB. Their 0.43 correlation means their historical movements had little consistent relationship.
Performance
LKFN vs. PCB - Performance Comparison
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Returns By Period
In the year-to-date period, LKFN achieves a 12.67% return, which is significantly lower than PCB's 31.13% return. Over the past 10 years, LKFN has underperformed PCB with an annualized return of 9.15%, while PCB has yielded a comparatively higher 12.26% annualized return.
LKFN
- 1D
- 0.13%
- 1M
- 1.26%
- 6M
- 6.95%
- YTD
- 12.67%
- 1Y
- 5.23%
- 3Y*
- 7.72%
- 5Y*
- 1.63%
- 10Y*
- 9.15%
- ALL TIME*
- 10.73%
PCB
- 1D
- 0.72%
- 1M
- -2.24%
- 6M
- 26.51%
- YTD
- 31.13%
- 1Y
- 43.17%
- 3Y*
- 24.00%
- 5Y*
- 12.08%
- 10Y*
- 12.26%
- ALL TIME*
- 10.49%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $10.18M | $11.67M | $12.72M | |
PCB PCB Bancorp | $1.50M | $1.24M | $1.01M |
LKFN vs. PCB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LKFN Lakeland Financial Corporation | 12.67% | -14.25% | 8.68% | -7.78% | -7.00% | 52.73% | 12.55% | 24.99% | -15.41% | 4.31% |
PCB PCB Bancorp | 31.13% | 11.21% | 14.55% | 8.85% | -17.05% | 122.72% | -39.25% | 12.06% | 1.69% | 20.28% |
Correlation
The correlation between LKFN and PCB is 0.69, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.69 |
Correlation (3Y) Balances recent behavior with more history. | 0.66 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.57 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.48 |
Correlation (All Time) Calculated using the full available price history since Jun 4, 2014 | 0.43 |
Over the past year, LKFN and PCB have become more correlated (0.69) than their long-term average of 0.43, meaning their price movements have been converging.
Fundamentals
LKFN:
$1.56B
PCB:
$396.72M
LKFN:
$4.35
PCB:
$2.93
LKFN:
14.41
PCB:
9.51
LKFN:
7.15
PCB:
3.49
LKFN:
3.75
PCB:
1.90
LKFN:
0.77
PCB:
1.20
LKFN:
$427.09M
PCB:
$209.54M
LKFN:
$273.69M
PCB:
$88.64M
LKFN:
$140.27M
PCB:
$47.01M
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Return for Risk
LKFN vs. PCB — Risk / Return Rank
LKFN
PCB
LKFN vs. PCB - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Lakeland Financial Corporation (LKFN) and PCB Bancorp (PCB). 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 | PCB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.56 | ||
| Sortino ratioReturn per unit of downside risk | -2.08 | ||
| Omega ratioGain probability vs. loss probability | 1.04 | 1.28 | -0.24 |
| Calmar ratioReturn relative to maximum drawdown | 0.12 | 3.67 | -3.54 |
| Martin ratioReturn relative to average drawdown | 0.21 | 8.36 | -8.15 |
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Drawdowns
LKFN vs. PCB - Drawdown Comparison
The maximum LKFN drawdown since its inception was -61.30%, roughly equal to the maximum PCB drawdown of -60.93%. Use the drawdown chart below to compare losses from any high point for LKFN and PCB.
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Drawdown Indicators
| LKFN | PCB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -61.30% | -60.93% | -0.37% |
Max Drawdown (1Y)Largest decline over 1 year | -18.57% | -11.39% | -7.18% |
Max Drawdown (3Y)Largest decline over 3 years | -31.66% | -22.84% | -8.82% |
Max Drawdown (5Y)Largest decline over 5 years | -47.35% | -46.49% | -0.86% |
Max Drawdown (10Y)Largest decline over 10 years | -47.35% | -60.93% | +13.58% |
Current DrawdownCurrent decline from peak | -14.95% | -8.98% | -5.97% |
Average DrawdownAverage peak-to-trough decline | -14.56% | -18.21% | +3.65% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 11.16% | 4.98% | +6.18% |
Volatility
LKFN vs. PCB - Volatility Comparison
Lakeland Financial Corporation (LKFN) has a higher volatility of 8.07% compared to PCB Bancorp (PCB) at 7.26%. This indicates that LKFN's price experiences larger fluctuations and is considered to be riskier than PCB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LKFN | PCB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.07% | 7.26% | +0.81% |
Volatility (6M)Calculated over the trailing 6-month period | 16.60% | 16.62% | -0.02% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.57% | 25.42% | +0.15% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.71% | 29.52% | +0.19% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 31.27% | 33.48% | -2.21% |
Dividends
LKFN vs. PCB - Dividend Comparison
LKFN's dividend yield for the trailing twelve months is around 3.29%, more than PCB's 3.01% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LKFN Lakeland Financial Corporation | 3.29% | 3.51% | 2.79% | 2.82% | 2.19% | 1.70% | 2.24% | 2.37% | 2.49% | 1.75% | 1.53% | 2.03% |
PCB PCB Bancorp | 3.01% | 3.70% | 3.56% | 3.74% | 3.39% | 2.00% | 3.96% | 1.45% | 0.77% | 0.77% | 0.92% | 0.70% |
Financials
LKFN vs. PCB - Financials Comparison
This section allows you to compare key financial metrics between Lakeland Financial Corporation and PCB Bancorp. 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. PCB - Profitability Comparison
LKFN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Lakeland Financial Corporation reported a gross profit of 69.17M and revenue of 107.72M. Therefore, the gross margin over that period was 64.2%.
PCB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, PCB Bancorp reported a gross profit of 0.00 and revenue of 50.04M. 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 Aug 2026, Lakeland Financial Corporation reported an operating income of 34.88M and revenue of 107.72M, resulting in an operating margin of 32.4%.
PCB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, PCB Bancorp reported an operating income of 0.00 and revenue of 50.04M, 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 Aug 2026, Lakeland Financial Corporation reported a net income of 28.44M and revenue of 107.72M, resulting in a net margin of 26.4%.
PCB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, PCB Bancorp reported a net income of 10.51M and revenue of 50.04M, resulting in a net margin of 21.0%.
Frequently Asked Questions
LKFN and PCB have a correlation of 0.69, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LKFN has higher volatility (8.07%) compared to PCB (7.26%). In terms of maximum drawdown, LKFN dropped -61.30% vs PCB's -60.93%.
PCB currently has the higher Sharpe Ratio (1.65 vs 0.09), 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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