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.
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.
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.
- LARK has a Return On Equity of 11.12%. This is in the better half of the industry: LARK outperforms 72.11% of its industry peers.
| Industry Rank | Sector 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
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 Rank | Sector 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
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.
- The number of shares outstanding for LARK has been increased compared to 5 years ago.
- Compared to 1 year ago, LARK has an improved debt to assets ratio.
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.
- Looking at the Debt to FCF ratio, with a value of 1.34, LARK is in the better half of the industry, outperforming 60.79% of the companies in the same industry.
- A Debt/Equity ratio of 0.15 indicates that LARK is not too dependend on debt financing.
- LARK has a Debt to Equity ratio (0.15) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- 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.
4. LARK Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 7.48 indicates a rather cheap valuation of LARK.
- LARK's Price/Earnings ratio is rather cheap when compared to the industry. LARK is cheaper than 92.63% 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 25.61.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.48 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, LARK is valued a bit cheaper than the industry average as 76.32% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. LARK Dividend Analysis
5.1 Amount
- LARK has a Yearly Dividend Yield of 3.46%.
- LARK's Dividend Yield is a higher than the industry average which is at 2.78.
- LARK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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 Years23
Div Non Decr Years30
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 Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:LARK (3/26/2026, 4:30:03 PM)
23.79
-0.79 (-3.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2026-01-28/amc
Earnings (Next)04-28 2026-04-28
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 Rank | Sector 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 2026-02-12 (0.21)
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 | 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 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)0.93%
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 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
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.