HBT Financial, Inc. (HBT) vs Lakeland Financial Corporation (LKFN)
A side-by-side comparison of HBT Financial, 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 — HBT vs LKFN
growth of $100 · dividends reinvested · last 7yHBT vs LKFN: by the numbers
- •LKFN is the larger company ($1.45B vs $1.33B market cap).
- •LKFN trades at the lower trailing earnings multiple (13.39 vs 15.66 P/E), one valuation lens rather than an overall verdict.
- •LKFN converts more revenue to profit (26.04% vs 23.46% net margin).
- •HBT grew revenue faster over the past five years (15.41% vs 13.42% CAGR).
- •LKFN pays the higher dividend yield (3.53% vs 2.53%).
Metrics side by side
Valuation
| Metric | HBT | LKFN |
|---|---|---|
| P/E ratio | 15.66 | 13.39 |
| Forward P/E | 12.01 | 13.33 |
| PEG ratio | 1.23 | 3.37 |
| P/S ratio | 4.00 | 3.41 |
| P/B ratio | 1.74 | 1.88 |
Profitability
| Metric | HBT | LKFN |
|---|---|---|
| Operating margin | 31.83% | 31.81% |
| Net margin | 23.46% | 26.04% |
| ROE | 10.17% | 14.38% |
HBT Financial, 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 | HBT | LKFN |
|---|---|---|
| Dividend yield | 2.53% | 3.53% |
| Payout ratio | 39.48% | 47.25% |
Growth (annualized)
| Metric | HBT | LKFN |
|---|---|---|
| Revenue CAGR (5Y) | 15.41% | 13.42% |
| EPS CAGR (5Y) | 12.74% | 3.96% |
| Total return CAGR (5Y) | 21.72% | -1.77% |
Frequently asked
- Which has the lower trailing P/E, HBT or LKFN?
- LKFN has the lower trailing P/E: HBT trades at 15.66 and LKFN at 13.39. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, HBT or LKFN?
- Over the past five years, HBT grew revenue faster — HBT at a 15.41% CAGR versus LKFN at 13.42%.
- Does HBT or LKFN pay a bigger dividend?
- HBT yields 2.53% and LKFN yields 3.53% based on trailing dividends and the latest price.
- Is HBT or LKFN more profitable?
- LKFN runs the higher net margin — HBT at 23.46% versus LKFN at 26.04%.
- How have HBT and LKFN total returns compared?
- Over the past 5 years, HBT delivered 21.72% and LKFN delivered -1.77% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
HBT Financial & 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.