LANDMARK BANCORP INC (LARK) Fundamental Analysis & Valuation

NASDAQ:LARK • US51504L1070

Current stock price

23.79 USD
-0.79 (-3.21%)
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

  • In the past year LARK was profitable.
  • LARK had a positive operating cash flow in the past year.
  • LARK had positive earnings in each of the past 5 years.
  • Of the past 5 years LARK 4 years had a positive operating cash flow.
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

  • LARK's Return On Assets of 1.07% is fine compared to the rest of the industry. LARK outperforms 61.84% of its industry peers.
  • The Return On Equity of LARK (11.12%) is better than 72.11% of its industry peers.
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.
  • LARK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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3

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.
  • LARK has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, LARK has more shares outstanding
  • LARK has a better debt/assets ratio than last year.
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

  • LARK has a debt to FCF ratio of 1.34. This is a very positive value and a sign of high solvency as it would only need 1.34 years to pay back of all of its debts.
  • LARK's Debt to FCF ratio of 1.34 is fine compared to the rest of the industry. LARK outperforms 60.79% of its industry peers.
  • A Debt/Equity ratio of 0.15 indicates that LARK is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.15, LARK perfoms like the industry average, outperforming 54.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACCN/A
WACC16.41%
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

  • The Earnings Per Share has grown by an impressive 27.71% over the past year.
  • LARK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.86% yearly.
  • LARK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.82%.
  • The Revenue has been growing slightly by 2.04% on average over the past years.
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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4

4. LARK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.48, the valuation of LARK can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of LARK indicates a rather cheap valuation: LARK is cheaper than 92.63% of the companies listed in the same industry.
  • LARK is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.48
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

  • Based on the Price/Free Cash Flow ratio, LARK is valued a bit cheaper than 76.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.4
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

  • With a Yearly Dividend Yield of 3.46%, LARK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, LARK pays a bit more dividend than its industry peers.
  • LARK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.46%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.85%
Div Incr Years23
Div Non Decr Years30
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

  • 27.72% of the earnings are spent on dividend by LARK. This is a low number and 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 (3/26/2026, 8:00:02 PM)

23.79

-0.79 (-3.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners30.06%
Inst Owner Change4.8%
Ins Owners19.88%
Ins Owner Change-0.25%
Market Cap144.41M
Revenue(TTM)70.64M
Net Income(TTM)17.32M
Analysts0
Price TargetN/A
Short Float %2.23%
Short Ratio19.66
Dividend
Industry RankSector Rank
Dividend Yield 3.46%
Yearly Dividend0.76
Dividend Growth(5Y)2.85%
DP27.72%
Div Incr Years23
Div Non Decr Years30
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 7.48
Fwd PE N/A
P/S 2.13
P/FCF 8.4
P/OCF 8.17
P/B 0.93
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)3.18
EY13.37%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.83
FCFY11.9%
OCF(TTM)2.91
OCFY12.24%
SpS11.16
BVpS25.66
TBVpS19.46
PEG (NY)N/A
PEG (5Y)N/A
Graham Number42.84
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
WACC16.41%
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 4 / 10 to LANDMARK BANCORP INC (LARK). This can be considered as Fairly Valued.


Can you provide the profitability details for LANDMARK BANCORP INC?

LANDMARK BANCORP INC (LARK) has a profitability rating of 3 / 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 7.48 and the Price/Book (PB) ratio is 0.93.


Can you provide the financial health for LARK stock?

The financial health rating of LANDMARK BANCORP INC (LARK) is 3 / 10.