LANDMARK BANCORP INC (LARK) Fundamental Analysis & Valuation

NASDAQ:LARK • US51504L1070

Current stock price

27.24 USD
+0.49 (+1.83%)
Last:

This LARK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. LARK Profitability Analysis

1.1 Basic Checks

  • LARK had positive earnings in the past year.
  • LARK had a positive operating cash flow in the past year.
  • Each year in the past 5 years LARK has been profitable.
  • LARK had a positive operating cash flow in 4 of the past 5 years.
LARK Yearly Net Income VS EBIT VS OCF VS FCFLARK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

1.2 Ratios

  • The Return On Assets of LARK (1.07%) is better than 60.11% 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 70.48% of the companies in the same industry.
Industry RankSector Rank
ROA 1.07%
ROE 11.12%
ROIC N/A
ROA(3y)0.93%
ROA(5y)0.96%
ROE(3y)10.29%
ROE(5y)10.61%
ROIC(3y)N/A
ROIC(5y)N/A
LARK Yearly ROA, ROE, ROICLARK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • LARK has a Profit Margin (25.57%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of LARK has declined.
  • The Operating Margin and Gross Margin are not available for LARK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.57%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.26%
PM growth 5Y-2.73%
GM growth 3YN/A
GM growth 5YN/A
LARK Yearly Profit, Operating, Gross MarginsLARK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. LARK Health Analysis

2.1 Basic Checks

  • LARK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LARK has been increased compared to 1 year ago.
  • LARK has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for LARK has been reduced compared to a year ago.
LARK Yearly Shares OutstandingLARK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
LARK Yearly Total Debt VS Total AssetsLARK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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.
  • Looking at the Debt to FCF ratio, with a value of 1.34, LARK is in line with its industry, outperforming 59.31% 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 53.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACCN/A
WACC15.65%
LARK Yearly LT Debt VS Equity VS FCFLARK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LARK Yearly Current Assets VS Current LiabilitesLARK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. LARK Growth Analysis

3.1 Past

  • LARK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.71%, which is quite impressive.
  • The Earnings Per Share has been decreasing by -1.86% on average over the past years.
  • Looking at the last year, LARK shows a quite strong growth in Revenue. The Revenue has grown by 16.82% in the last year.
  • Measured over the past years, LARK shows a small growth in Revenue. The Revenue has been growing by 2.04% on average per year.
EPS 1Y (TTM)27.71%
EPS 3Y21.76%
EPS 5Y-1.86%
EPS Q2Q%8.45%
Revenue 1Y (TTM)16.82%
Revenue growth 3Y10.34%
Revenue growth 5Y2.04%
Sales Q2Q%11.65%

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.
LARK Yearly Revenue VS EstimatesLARK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
LARK Yearly EPS VS EstimatesLARK Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 1 2 3

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3

4. LARK Valuation Analysis

4.1 Price/Earnings Ratio

  • LARK is valuated reasonably with a Price/Earnings ratio of 8.57.
  • Based on the Price/Earnings ratio, LARK is valued cheaper than 92.55% 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 27.79.
Industry RankSector Rank
PE 8.57
Fwd PE N/A
LARK Price Earnings VS Forward Price EarningsLARK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • LARK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. LARK is cheaper than 75.80% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.62
EV/EBITDA N/A
LARK Per share dataLARK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. LARK Dividend Analysis

5.1 Amount

  • LARK has a Yearly Dividend Yield of 3.12%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.57, LARK pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, LARK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.12%

5.2 History

  • The dividend of LARK has a limited annual growth rate of 2.85%.
  • LARK has been paying a dividend for at least 10 years, so it has 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 Years24
Div Non Decr Years31
LARK Yearly Dividends per shareLARK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • LARK pays out 27.72% of its income as dividend. This is a sustainable payout ratio.
DP27.72%
EPS Next 2YN/A
EPS Next 3YN/A
LARK Yearly Income VS Free CF VS DividendLARK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
LARK Dividend Payout.LARK Dividend Payout, showing the Payout Ratio.LARK Dividend Payout.PayoutRetained Earnings

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LARK Fundamentals: All Metrics, Ratios and Statistics

LANDMARK BANCORP INC

NASDAQ:LARK (4/22/2026, 4:25:19 PM)

27.24

+0.49 (+1.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners30.2%
Inst Owner Change0%
Ins Owners19.99%
Ins Owner Change-0.25%
Market Cap165.35M
Revenue(TTM)70.64M
Net Income(TTM)17.32M
Analysts0
Price TargetN/A
Short Float %2.08%
Short Ratio14.1
Dividend
Industry RankSector Rank
Dividend Yield 3.12%
Yearly Dividend0.76
Dividend Growth(5Y)2.85%
DP27.72%
Div Incr Years24
Div Non Decr Years31
Ex-Date02-12
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 RankSector Rank
PE 8.57
Fwd PE N/A
P/S 2.44
P/FCF 9.62
P/OCF 9.35
P/B 1.06
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)3.18
EY11.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.83
FCFY10.39%
OCF(TTM)2.91
OCFY10.69%
SpS11.16
BVpS25.66
TBVpS19.46
PEG (NY)N/A
PEG (5Y)N/A
Graham Number42.8442 (57.28%)
Profitability
Industry RankSector 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)0.93%
ROA(5y)0.96%
ROE(3y)10.29%
ROE(5y)10.61%
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 3Y12.26%
PM growth 5Y-2.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector 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
WACC15.65%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.71%
EPS 3Y21.76%
EPS 5Y-1.86%
EPS Q2Q%8.45%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.82%
Revenue growth 3Y10.34%
Revenue growth 5Y2.04%
Sales Q2Q%11.65%
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 1Y23.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y6.73%
OCF growth 3YN/A
OCF growth 5YN/A

LANDMARK BANCORP INC / LARK Fundamental Analysis 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.


What is the profitability of LARK stock?

LANDMARK BANCORP INC (LARK) has a profitability rating of 3 / 10.


How financially healthy is LANDMARK BANCORP INC?

The financial health rating of LANDMARK BANCORP INC (LARK) is 2 / 10.