HBT Financial (HBT) vs Lakeland Financial (LKFN)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
HBT Financial (HBT) has outperformed Lakeland Financial (LKFN) over the past year, gaining 44.7% versus a loss of 9.8%. Over five years, HBT leads with a +108.1% price change compared with -24.5% for LKFN. Lakeland Financial is the larger company by market cap ($1.41 billion vs $1.27 billion), about 1.1 times the size.
On valuation, HBT Financial trades at a lower forward P/E (10.1x vs 12.6x for Lakeland Financial). Lakeland Financial offers the higher dividend yield (3.62% vs 2.52%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | HBT | LKFN |
|---|---|---|
| Share price | $34.95 | $56.84 |
| Market cap | $1.27B | $1.41B |
| 1-day change | -1.63% | -1.06% |
| YTD return | +37.45% | -0.39% |
| 1-year return | +44.67% | -9.76% |
| 5-year return | +108.14% | -24.51% |
| P/E ratio (TTM) | 14.87 | 13.04 |
| Forward P/E | 10.10 | 12.61 |
| EPS (TTM) | $2.35 | $4.36 |
| Dividend yield | 2.52% | 3.62% |
| Annual dividend | $0.88 | $2.06 |
| 52-week high | $37.51 | $64.55 |
| 52-week low | $22.36 | $54.36 |
| Distance from 52-week high | -6.82% | -11.94% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +15.02% | +17.00% |
| Average volume | 135.07K | 172.26K |
| Shares outstanding | 36.37M | 24.86M |
| Employees | 826 | 695 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- HBT has outperformed LKFN by 54.4 percentage points over the past year.
- Lakeland Financial offers a meaningfully higher dividend yield (3.62% vs 2.52%).
About HBT Financial
HBT stock →HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides financial products and services to consumers, businesses, and municipal entities in Illinois and Eastern Iowa.
Finance · Major Banks · 826 employees
About Lakeland Financial
LKFN stock →Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits.
Finance · Major Banks · 695 employees
HBT vs LKFN FAQ
Which is bigger, HBT Financial or Lakeland Financial?
Lakeland Financial (LKFN) is larger, with a market capitalization of $1.41B compared with $1.27B for HBT Financial (HBT).
Which stock has performed better over the past year, HBT or LKFN?
HBT returned +44.67% over the past 12 months, compared with -9.76% for LKFN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HBT or LKFN?
LKFN has the lower trailing P/E at 13.0, versus 14.9 for HBT. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, HBT Financial or Lakeland Financial?
Lakeland Financial has the higher yield at 3.62%, compared with 2.52% for HBT Financial.
Are HBT Financial and Lakeland Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.