25.97 USD
-0.22 (-0.84%)
25.97 USD
0 (0%)
Taking everything into account, LARK scores 3 out of 10 in our fundamental rating. LARK was compared to 387 industry peers in the Banks industry. LARK has a medium profitability rating, but doesn't score so well on its financial health evaluation. LARK does not seem to be growing, but still is valued expensively. Finally LARK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year LARK was profitable.
LARK had a positive operating cash flow in the past year.
Each year in the past 5 years LARK has 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 1.07%. This is in the better half of the industry: LARK outperforms 68.73% of its industry peers.
Looking at the Return On Equity, with a value of 11.12%, LARK is in the better half of the industry, outperforming 75.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 11.12% | ||
| 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 (25.57%) which is comparable to the rest of the industry.
LARK's Profit Margin has been stable in the last couple of years.
LARK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.57% | ||
| 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
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
The number of shares outstanding for LARK has been reduced compared to 5 years ago.
LARK has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of LARK is 1.34, which is an excellent value as it means it would take LARK, only 1.34 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.34, LARK perfoms like the industry average, outperforming 58.40% of the companies in the same industry.
LARK has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
LARK has a Debt to Equity ratio of 0.15. This is comparable to the rest of the industry: LARK outperforms 54.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 38.05% over the past year.
The Earnings Per Share has been growing slightly by 4.45% on average over the past years.
Looking at the last year, LARK shows a quite strong growth in Revenue. The Revenue has grown by 17.08% 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)38.05%
EPS 3Y-10.13%
EPS 5Y4.45%
EPS Q2Q%18.06%
Revenue 1Y (TTM)17.08%
Revenue growth 3Y-0.06%
Revenue growth 5Y5.55%
Sales Q2Q%14.5%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.32, which indicates a very decent valuation of LARK.
Based on the Price/Earnings ratio, LARK is valued cheaper than 91.73% of the companies in the same industry.
When comparing the Price/Earnings ratio of LARK to the average of the S&P500 Index (26.60), we can say LARK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.32 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, LARK is valued a bit cheaper than 70.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.87
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.05%, LARK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, LARK has a dividend in line with its industry peers.
LARK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.05% |
5.2 History
The dividend of LARK has a limited annual growth rate of 2.85%.
LARK has paid a dividend for at least 10 years, which is a reliable track record.
LARK has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.85%
Div Incr Years23
Div Non Decr Years30
5.3 Sustainability
LARK pays out 27.72% of its income as dividend. This is a sustainable payout ratio.
LARK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.72%
EPS Next 2YN/A
EPS Next 3YN/A
25.97
-0.22 (-0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners31.17%
Inst Owner Change0%
Ins Owners20.87%
Ins Owner Change-1.01%
Market Cap157.90M
Revenue(TTM)67.72M
Net Income(TTM)17.32M
Analysts0
Price TargetN/A
Short Float %N/A
Short Ratio14.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.05% |
Yearly Dividend0.76
Dividend Growth(5Y)2.85%
DP27.72%
Div Incr Years23
Div Non Decr Years30
Ex-DateN/A
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 | 8.32 | ||
| Fwd PE | N/A | ||
| P/S | 2.33 | ||
| P/FCF | 9.19 | ||
| P/OCF | 8.93 | ||
| P/B | 1.01 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.12
EY12.01%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.83
FCFY10.88%
OCF(TTM)2.91
OCFY11.19%
SpS11.14
BVpS25.61
TBVpS19.43
PEG (NY)N/A
PEG (5Y)1.87
Graham Number42.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 11.12% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.57% | ||
| GM | N/A | ||
| FCFM | 25.38% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 0.15 | ||
| Debt/FCF | 1.34 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 21.66% | ||
| Cap/Sales | 0.73% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 99.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.89%
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)38.05%
EPS 3Y-10.13%
EPS 5Y4.45%
EPS Q2Q%18.06%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.08%
Revenue growth 3Y-0.06%
Revenue growth 5Y5.55%
Sales Q2Q%14.5%
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-17.81%
FCF growth 3Y-26.36%
FCF growth 5Y8.11%
OCF growth 1Y-18.36%
OCF growth 3Y-22.98%
OCF growth 5Y9.34%
LANDMARK BANCORP INC / LARK FAQ
What is the fundamental rating for LARK stock?
ChartMill assigns a fundamental rating of 3 / 10 to LARK.
What is the valuation status for LARK stock?
ChartMill assigns a valuation rating of 3 / 10 to LANDMARK BANCORP INC (LARK). This can be considered as Overvalued.
Can you provide the profitability details for LANDMARK BANCORP INC?
LANDMARK BANCORP INC (LARK) has a profitability rating of 4 / 10.
What are the PE and PB ratios of LANDMARK BANCORP INC (LARK) stock?
The Price/Earnings (PE) ratio for LANDMARK BANCORP INC (LARK) is 8.32 and the Price/Book (PB) ratio is 1.01.
Can you provide the financial health for LARK stock?
The financial health rating of LANDMARK BANCORP INC (LARK) is 2 / 10.