LANDMARK BANCORP INC (LARK) Fundamental Analysis & Valuation

NASDAQ:LARK • US51504L1070

28.2 USD
+0.2 (+0.71%)
Last: Mar 4, 2026, 04:30 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

LARK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. LARK has a bad profitability rating. Also its financial health evaluation is rather negative. LARK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. LARK Profitability Analysis

1.1 Basic Checks

  • In the past year LARK was profitable.
  • In the past year LARK had a positive cash flow from operations.
  • 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 66.49% of its industry peers.
  • With a decent Return On Equity value of 11.12%, LARK is doing good in the industry, outperforming 73.35% 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

  • Looking at the Profit Margin, with a value of 25.57%, LARK is in line with its industry, outperforming 58.58% of the companies in the same industry.
  • LARK's Profit Margin has declined 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 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.
  • LARK has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, LARK has more shares outstanding
  • Compared to 1 year ago, LARK has an improved debt to assets ratio.
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.
  • With a Debt to FCF ratio value of 1.34, LARK perfoms like the industry average, outperforming 59.10% 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 (0.15) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACCN/A
WACC15.33%
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.
  • Measured over the past years, LARK shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.86% on average per year.
  • Looking at the last year, LARK shows a quite strong growth in Revenue. The Revenue has grown by 16.82% in the last year.
  • 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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3

4. LARK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.87, the valuation of LARK can be described as very reasonable.
  • Based on the Price/Earnings ratio, LARK is valued cheaper than 89.71% 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 26.83.
Industry RankSector Rank
PE 8.87
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 69.13% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.96
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

6

5. LARK Dividend Analysis

5.1 Amount

  • LARK has a Yearly Dividend Yield of 2.97%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.72, LARK has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, LARK pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.97%

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

  • 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 (3/4/2026, 4:30:02 PM)

28.2

+0.2 (+0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners31.17%
Inst Owner Change4.8%
Ins Owners20.87%
Ins Owner Change-1.01%
Market Cap171.17M
Revenue(TTM)70.64M
Net Income(TTM)17.32M
Analysts0
Price TargetN/A
Short Float %2.24%
Short Ratio18.06
Dividend
Industry RankSector Rank
Dividend Yield 2.97%
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 8.87
Fwd PE N/A
P/S 2.53
P/FCF 9.96
P/OCF 9.68
P/B 1.1
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)3.18
EY11.28%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.83
FCFY10.04%
OCF(TTM)2.91
OCFY10.33%
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
WACC15.33%
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 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 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 8.87 and the Price/Book (PB) ratio is 1.1.


Can you provide the financial health for LARK stock?

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