PCB vs. LKFN
PCB (PCB Bancorp) 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, PCB returned 12.56%/yr vs 9.98%/yr for LKFN. At a 0.43 correlation, their price movements are largely independent.
Performance
PCB vs. LKFN - Performance Comparison
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Returns By Period
In the year-to-date period, PCB achieves a 27.70% return, which is significantly higher than LKFN's 9.25% return. Over the past 10 years, PCB has outperformed LKFN with an annualized return of 12.56%, while LKFN has yielded a comparatively lower 9.98% annualized return.
PCB
- 1D
- 1.72%
- 1M
- 10.59%
- YTD
- 27.70%
- 6M
- 23.31%
- 1Y
- 37.21%
- 3Y*
- 25.19%
- 5Y*
- 15.87%
- 10Y*
- 12.56%
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%
PCB vs. LKFN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PCB PCB Bancorp | 27.70% | 11.21% | 14.55% | 8.85% | -17.05% | 122.72% | -39.25% | 12.06% | 1.69% | 20.28% |
LKFN Lakeland Financial Corporation | 9.25% | -14.25% | 8.68% | -7.78% | -7.00% | 52.73% | 12.55% | 24.99% | -15.41% | 4.31% |
Correlation
The correlation between PCB and LKFN is 0.70, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.70 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.64 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.57 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.48 |
Correlation (All Time) Calculated using the full available price history since Jun 4, 2014 | 0.43 |
Over the past year, PCB and LKFN have become more correlated (0.70) than their long-term average of 0.43, meaning their price movements have been converging.
Fundamentals
PCB:
$386.43M
LKFN:
$1.56B
PCB:
$2.82
LKFN:
$4.27
PCB:
9.61
LKFN:
14.36
PCB:
3.53
LKFN:
7.12
PCB:
1.86
LKFN:
3.71
PCB:
1.18
LKFN:
2.09
PCB:
$208.73M
LKFN:
$425.24M
PCB:
$86.42M
LKFN:
$267.89M
PCB:
$43.83M
LKFN:
$137.10M
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Return for Risk
PCB vs. LKFN — Risk / Return Rank
PCB
LKFN
PCB vs. LKFN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for PCB Bancorp (PCB) 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.
| PCB | LKFN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.23 | ||
| Sortino ratioReturn per unit of downside risk | +1.62 | ||
| Omega ratioGain probability vs. loss probability | 1.25 | 1.06 | +0.19 |
| Calmar ratioReturn relative to maximum drawdown | 3.28 | 0.31 | +2.97 |
| Martin ratioReturn relative to average drawdown | 7.39 | 0.52 | +6.87 |
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Drawdowns
PCB vs. LKFN - Drawdown Comparison
The maximum PCB drawdown since its inception was -60.93%, roughly equal to the maximum LKFN drawdown of -61.30%. Use the drawdown chart below to compare losses from any high point for PCB and LKFN.
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Drawdown Indicators
| PCB | LKFN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -60.93% | -61.30% | +0.37% |
Max Drawdown (1Y)Largest decline over 1 year | -11.39% | -18.57% | +7.18% |
Max Drawdown (3Y)Largest decline over 3 years | -22.84% | -31.66% | +8.82% |
Max Drawdown (5Y)Largest decline over 5 years | -46.49% | -47.35% | +0.86% |
Max Drawdown (10Y)Largest decline over 10 years | -60.93% | -47.35% | -13.58% |
Current DrawdownCurrent decline from peak | 0.00% | -17.53% | +17.53% |
Average DrawdownAverage peak-to-trough decline | -18.34% | -14.56% | -3.78% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.05% | 11.06% | -6.01% |
Volatility
PCB vs. LKFN - Volatility Comparison
PCB Bancorp (PCB) and Lakeland Financial Corporation (LKFN) have volatilities of 6.69% and 6.55%, 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
| PCB | LKFN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.69% | 6.55% | +0.14% |
Volatility (6M)Calculated over the trailing 6-month period | 17.82% | 17.30% | +0.52% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.01% | 25.52% | +0.49% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.83% | 30.15% | -0.32% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 33.44% | 31.22% | +2.22% |
Dividends
PCB vs. LKFN - Dividend Comparison
PCB's dividend yield for the trailing twelve months is around 3.10%, less than LKFN's 3.33% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
PCB PCB Bancorp | 3.10% | 3.70% | 3.56% | 3.74% | 3.39% | 2.00% | 3.96% | 1.45% | 0.77% | 0.77% | 0.92% | 0.70% |
Financials
PCB vs. LKFN - Financials Comparison
This section allows you to compare key financial metrics between PCB Bancorp 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
PCB vs. LKFN - Profitability Comparison
PCB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, PCB Bancorp reported a gross profit of 0.00 and revenue of 48.83M. 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%.
PCB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, PCB Bancorp reported an operating income of 0.00 and revenue of 48.83M, 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%.
PCB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, PCB Bancorp reported a net income of 10.65M and revenue of 48.83M, resulting in a net margin of 21.8%.
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
PCB and LKFN have a correlation of 0.70, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PCB has higher volatility (6.69%) compared to LKFN (6.55%). In terms of maximum drawdown, PCB dropped -60.93% vs LKFN's -61.30%.
PCB currently has the higher Sharpe Ratio (1.45 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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