Community Trust Bancorp, Inc. (CTBI) vs Lakeland Financial Corporation (LKFN)
A side-by-side comparison of Community Trust Bancorp, Inc. and Lakeland Financial Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CTBI vs LKFN
growth of $100 · dividends reinvested · last 10yCTBI vs LKFN: by the numbers
- •LKFN is the larger company ($1.46B vs $1.39B market cap).
- •CTBI trades at the lower trailing earnings multiple (12.79 vs 13.41 P/E), one valuation lens rather than an overall verdict.
- •LKFN converts more revenue to profit (26.04% vs 25.55% net margin).
- •LKFN grew revenue faster over the past five years (13.42% vs 12.35% CAGR).
- •LKFN pays the higher dividend yield (3.53% vs 3.02%).
Metrics side by side
Valuation
| Metric | CTBI | LKFN |
|---|---|---|
| P/E ratio | 12.79 | 13.41 |
| Forward P/E | 11.97 | 13.35 |
| PEG ratio | 1.26 | 3.38 |
| P/S ratio | 3.28 | 3.41 |
| P/B ratio | 1.56 | 1.88 |
Profitability
| Metric | CTBI | LKFN |
|---|---|---|
| Operating margin | 33.11% | 31.81% |
| Net margin | 25.55% | 26.04% |
| ROE | 12.11% | 14.38% |
Community Trust Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Lakeland Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CTBI | LKFN |
|---|---|---|
| Dividend yield | 3.02% | 3.53% |
| Payout ratio | 38.53% | 47.25% |
Growth (annualized)
| Metric | CTBI | LKFN |
|---|---|---|
| Revenue CAGR (5Y) | 12.35% | 13.42% |
| EPS CAGR (5Y) | 10.18% | 3.96% |
| Total return CAGR (5Y) | 16.62% | -1.77% |
Frequently asked
- Which has the lower trailing P/E, CTBI or LKFN?
- CTBI has the lower trailing P/E: CTBI trades at 12.79 and LKFN at 13.41. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CTBI or LKFN?
- Over the past five years, LKFN grew revenue faster — CTBI at a 12.35% CAGR versus LKFN at 13.42%.
- Does CTBI or LKFN pay a bigger dividend?
- CTBI yields 3.02% and LKFN yields 3.53% based on trailing dividends and the latest price.
- Is CTBI or LKFN more profitable?
- LKFN runs the higher net margin — CTBI at 25.55% versus LKFN at 26.04%.
- How have CTBI and LKFN total returns compared?
- Over the past 10 years, CTBI delivered 11.66% and LKFN delivered 7.84% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Community Trust Bancorp & Lakeland Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.