LARK Fundamental Analysis - LANDMARK BANCORP INC

Fundamental Rating

Overall LARK gets a fundamental rating of 3 out of 10. We evaluated LARK against 394 industry peers in the Banks industry. Both the profitability and financial health of LARK have multiple concerns. LARK is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

LARK had positive earnings in the past year.

LARK had a positive operating cash flow in the past year.

In the past 5 years LARK has always been profitable.

Each year in the past 5 years LARK had a positive operating cash flow.

1.2 Ratios

LARK has a Return On Assets of 0.95%. This is comparable to the rest of the industry: LARK outperforms 59.54% of its industry peers.

The Return On Equity of LARK (10.46%) is better than 72.77% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.95%
ROE	10.46%
ROIC	N/A

ROA(3y)0.76%

ROA(5y)1.05%

ROE(3y)9.35%

ROE(5y)11.34%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

LARK has a Profit Margin (23.77%) which is comparable to the rest of the industry.

LARK's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for LARK so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.77%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-10.23%

PM growth 5Y-1.42%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LARK does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, LARK has more shares outstanding

LARK has less shares outstanding than it did 5 years ago.

The debt/assets ratio for LARK is higher compared to a year ago.

2.2 Solvency

LARK has a debt to FCF ratio of 1.52. This is a very positive value and a sign of high solvency as it would only need 1.52 years to pay back of all of its debts.

LARK has a better Debt to FCF ratio (1.52) than 61.58% of its industry peers.

LARK has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.

LARK has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.52
Altman-Z	N/A

ROIC/WACCN/A

WACC16.37%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 43.06% over the past year.

LARK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.50% yearly.

Looking at the last year, LARK shows a quite strong growth in Revenue. The Revenue has grown by 16.27% in the last year.

Measured over the past years, LARK shows a small growth in Revenue. The Revenue has been growing by 5.55% on average per year.

EPS 1Y (TTM)43.06%

EPS 3Y-10.05%

EPS 5Y4.5%

EPS Q2Q%36.36%

Revenue 1Y (TTM)16.27%

Revenue growth 3Y-0.06%

Revenue growth 5Y5.55%

Sales Q2Q%17.84%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.71, the valuation of LARK can be described as very reasonable.

LARK's Price/Earnings ratio is rather cheap when compared to the industry. LARK is cheaper than 90.33% of the companies in the same industry.

LARK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.87.

		Industry Rank	Sector Rank
PE	8.71
Fwd PE	N/A

4.2 Price Multiples

LARK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. LARK is cheaper than 79.90% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.2
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.93

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.22%, LARK has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.43, LARK has a dividend in line with its industry peers.

LARK's Dividend Yield is a higher than the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	3.22%

5.2 History

The dividend of LARK has a limited annual growth rate of 3.86%.

LARK has been paying a dividend for at least 10 years, so it has a reliable track record.

LARK has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)3.86%

Div Incr Years23

Div Non Decr Years30

5.3 Sustainability

31.33% of the earnings are spent on dividend by LARK. This is a low number and sustainable payout ratio.

The dividend of LARK is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.

DP31.33%

EPS Next 2YN/A

EPS Next 3YN/A

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LANDMARK BANCORP INC

NASDAQ:LARK (8/15/2025, 8:00:02 PM)

26.03

-0.07 (-0.27%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-28 2025-10-28

Inst Owners23.88%

Inst Owner Change27.84%

Ins Owners20.05%

Ins Owner Change-5.2%

Market Cap150.45M

Analysts0

Price TargetN/A

Short Float %2.59%

Short Ratio4.67

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.22%

Yearly Dividend0.8

Dividend Growth(5Y)3.86%

DP31.33%

Div Incr Years23

Div Non Decr Years30

Ex-Date08-13 2025-08-13 (0.21)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	8.71
Fwd PE	N/A
P/S	2.4
P/FCF	8.2
P/OCF	7.75
P/B	1.05
P/tB	1.44
EV/EBITDA	N/A

EPS(TTM)2.99

EY11.49%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)3.17

FCFY12.19%

OCF(TTM)3.36

OCFY12.9%

SpS10.86

BVpS24.68

TBVpS18.13

PEG (NY)N/A

PEG (5Y)1.93

Profitability

		Industry Rank	Sector Rank
ROA	0.95%
ROE	10.46%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.77%
GM	N/A
FCFM	29.21%

ROA(3y)0.76%

ROA(5y)1.05%

ROE(3y)9.35%

ROE(5y)11.34%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-10.23%

PM growth 5Y-1.42%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.52
Debt/EBITDA	N/A
Cap/Depr	45.51%
Cap/Sales	1.69%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	122.92%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC16.37%

ROIC/WACCN/A

Cap/Depr(3y)52.97%

Cap/Depr(5y)44.71%

Cap/Sales(3y)2.42%

Cap/Sales(5y)2%

Profit Quality(3y)142.81%

Profit Quality(5y)133.65%

High Growth Momentum

Growth

EPS 1Y (TTM)43.06%

EPS 3Y-10.05%

EPS 5Y4.5%

EPS Q2Q%36.36%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)16.27%

Revenue growth 3Y-0.06%

Revenue growth 5Y5.55%

Sales Q2Q%17.84%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-26.44%

FCF growth 3Y-26.36%

FCF growth 5Y8.11%

OCF growth 1Y-24.32%

OCF growth 3Y-22.98%

OCF growth 5Y9.34%

LANDMARK BANCORP INC (LARK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens