LANDMARK BANCORP INC (LARK)
US51504L1070 - Common Stock
Taking everything into account, LARK scores 3 out of 10 in our fundamental rating. LARK was compared to 412 industry peers in the Banks industry. Both the profitability and financial health of LARK have multiple concerns. LARK has a expensive valuation and it also scores bad on growth. Finally LARK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year LARK was profitable.
In the past year LARK had a positive cash flow from operations.
Each year in the past 5 years LARK has been profitable.
Each year in the past 5 years LARK had a positive operating cash flow.
1.2 Ratios
LARK has a Return On Assets (0.78%) which is in line with its industry peers.
LARK's Return On Equity of 9.64% is in line compared to the rest of the industry. LARK outperforms 55.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 9.64% | ||
| ROIC | N/A |
ROA(3y)0.93%
ROA(5y)1.1%
ROE(3y)10.6%
ROE(5y)11.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
LARK has a worse Profit Margin (21.65%) than 60.92% of 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.65% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.83%
PM growth 5Y-2.09%
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.
Compared to 1 year ago, LARK has more shares outstanding
The number of shares outstanding for LARK has been increased compared to 5 years ago.
The debt/assets ratio for LARK has been reduced compared to a year ago.
2.2 Solvency
LARK has a debt to FCF ratio of 2.96. This is a good value and a sign of high solvency as LARK would need 2.96 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.96, LARK is in line with its industry, outperforming 44.66% of the companies in the same industry.
LARK has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
LARK's Debt to Equity ratio of 0.27 is in line compared to the rest of the industry. LARK outperforms 43.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 2.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
LARK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.95%, which is quite impressive.
Measured over the past 5 years, LARK shows a small growth in Earnings Per Share. The EPS has been growing by 2.43% on average per year.
Looking at the last year, LARK shows a small growth in Revenue. The Revenue has grown by 7.49% in the last year.
The Revenue has been growing slightly by 5.44% on average over the past years.
EPS 1Y (TTM)22.95%
EPS 3Y-15.65%
EPS 5Y2.43%
EPS growth Q2Q-28.36%
Revenue 1Y (TTM)7.49%
Revenue growth 3Y-3.98%
Revenue growth 5Y5.44%
Revenue growth Q2Q-10.61%
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 7.90, the valuation of LARK can be described as very cheap.
74.27% of the companies in the same industry are more expensive than LARK, based on the Price/Earnings ratio.
LARK is valuated cheaply when we compare the Price/Earnings ratio to 24.55, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.9 | ||
| Fwd PE | N/A |
4.2 Price Multiples
LARK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.25
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
LARK has a Yearly Dividend Yield of 4.42%, which is a nice return.
LARK's Dividend Yield is a higher than the industry average which is at 3.86.
LARK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.42% |
5.2 History
The dividend of LARK has a limited annual growth rate of 5.33%.
LARK has paid a dividend for at least 10 years, which is a reliable track record.
LARK has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)5.33%
Div Incr Years3
Div Non Decr Years6
5.3 Sustainability
LARK pays out 35.87% of its income as dividend. This is a sustainable payout ratio.
LARK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP35.87%
EPS Next 2YN/A
EPS Next 3YN/A
LANDMARK BANCORP INC
NASDAQ:LARK (5/1/2024, 3:30:02 PM)
18.25
+0.25 (+1.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap99.83M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.42% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.9 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)3.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 9.64% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 21.65% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)22.95%
EPS 3Y-15.65%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)7.49%
Revenue growth 3Y-3.98%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y