27.91 USD
+0.41 (+1.49%)
LARK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. While LARK is still in line with the averages on profitability rating, there are concerns on its financial health. LARK is valued expensive and it does not seem to be growing.
1. Profitability
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.
In the past 5 years LARK always reported a positive cash flow from operatings.
1.2 Ratios
LARK has a better Return On Assets (1.07%) than 68.99% 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's Profit Margin of 25.57% is in line compared to the rest of the industry. LARK outperforms 59.69% of its industry peers.
In the last couple of years the Profit Margin of LARK has remained more or less at the same level.
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) | 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.
The number of shares outstanding for LARK has been increased compared to 1 year ago.
Compared to 5 years ago, LARK has less shares outstanding
Compared to 1 year ago, LARK has a worse debt to assets ratio.
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.
The Debt to FCF ratio of LARK (1.34) is comparable to the rest of the industry.
LARK has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of LARK (0.15) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.72%
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 4.50% on average over the past years.
The Revenue has grown by 17.08% in the past year. This is quite good.
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-10.05%
EPS 5Y4.5%
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
Based on the Price/Earnings ratio of 8.95, the valuation of LARK can be described as reasonable.
Based on the Price/Earnings ratio, LARK is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of LARK to the average of the S&P500 Index (26.37), we can say LARK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.95 | ||
| 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 70.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.99
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
LARK has a Yearly Dividend Yield of 2.88%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.15, LARK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, LARK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
5.2 History
The dividend of LARK has a limited annual growth rate of 3.86%.
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)3.86%
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.
The dividend of LARK is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP27.72%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:LARK (12/3/2025, 8:00:03 PM)
27.91
+0.41 (+1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners30.29%
Inst Owner Change-0.72%
Ins Owners20.05%
Ins Owner Change0.11%
Market Cap161.60M
Revenue(TTM)67.72M
Net Income(TTM)17.32M
Analysts0
Price TargetN/A
Short Float %N/A
Short Ratio17.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
Yearly Dividend0.8
Dividend Growth(5Y)3.86%
DP27.72%
Div Incr Years23
Div Non Decr Years30
Ex-Date
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 | 8.95 | ||
| Fwd PE | N/A | ||
| P/S | 2.39 | ||
| P/FCF | 9.4 | ||
| P/OCF | 9.14 | ||
| P/B | 1.04 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.12
EY11.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.97
FCFY10.63%
OCF(TTM)3.05
OCFY10.94%
SpS11.7
BVpS26.9
TBVpS20.4
PEG (NY)N/A
PEG (5Y)1.99
Graham Number43.45
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
WACC15.72%
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-10.05%
EPS 5Y4.5%
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.
Can you provide the valuation status for LANDMARK BANCORP INC?
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.
Is the dividend of LANDMARK BANCORP INC sustainable?
The dividend rating of LANDMARK BANCORP INC (LARK) is 6 / 10 and the dividend payout ratio is 27.72%.