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LANDMARK BANCORP INC (LARK) Stock Fundamental Analysis

NASDAQ:LARK - Nasdaq - US51504L1070 - Common Stock - Currency: USD

25.18  -1.25 (-4.73%)

After market: 25.18 0 (0%)

Fundamental Rating

4

LARK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. LARK has a medium profitability rating, but doesn't score so well on its financial health evaluation. LARK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

LARK had positive earnings in the past year.
In the past year LARK had a positive cash flow from operations.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

With a decent Return On Assets value of 0.95%, LARK is doing good in the industry, outperforming 60.51% of the companies in the same industry.
The Return On Equity of LARK (10.46%) is better than 72.15% of its industry peers.
Industry RankSector Rank
ROA 0.95%
ROE 10.46%
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
LARK Yearly ROA, ROE, ROICLARK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

LARK has a Profit Margin of 23.77%. This is comparable to the rest of the industry: LARK outperforms 50.63% 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 RankSector Rank
OM N/A
PM (TTM) 23.77%
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
LARK Yearly Profit, Operating, Gross MarginsLARK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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
Compared to 5 years ago, LARK has less shares outstanding
Compared to 1 year ago, LARK has a worse debt to assets ratio.
LARK Yearly Shares OutstandingLARK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
LARK Yearly Total Debt VS Total AssetsLARK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

LARK has a debt to FCF ratio of 1.52. This is a very positive value and a sign of high solvency as it would only need 1.52 years to pay back of all of its debts.
The Debt to FCF ratio of LARK (1.52) is better than 61.01% of its industry peers.
LARK has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
LARK's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. LARK outperforms 41.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.52
Altman-Z N/A
ROIC/WACCN/A
WACC17.1%
LARK Yearly LT Debt VS Equity VS FCFLARK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 27.98% over the past year.
Measured over the past 5 years, LARK shows a small growth in Earnings Per Share. The EPS has been growing by 4.50% on average per year.
The Revenue has grown by 11.69% in the past year. This is quite good.
The Revenue has been growing slightly by 5.55% on average over the past years.
EPS 1Y (TTM)27.98%
EPS 3Y-10.05%
EPS 5Y4.5%
EPS Q2Q%58.82%
Revenue 1Y (TTM)11.69%
Revenue growth 3Y-0.06%
Revenue growth 5Y5.55%
Sales Q2Q%16.47%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
LARK Yearly EPS VS EstimatesLARK Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 0.5 1 1.5 2

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.03, the valuation of LARK can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of LARK indicates a rather cheap valuation: LARK is cheaper than 84.81% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.34. LARK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.03
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of LARK indicates a somewhat cheap valuation: LARK is cheaper than 77.47% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.93
EV/EBITDA N/A
LARK Per share dataLARK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

LARK has a Yearly Dividend Yield of 3.18%.
LARK's Dividend Yield is comparable with the industry average which is at 3.61.
LARK's Dividend Yield is a higher than the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 3.18%

5.2 History

The dividend of LARK has a limited annual growth rate of 3.86%.
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)3.86%
Div Incr Years23
Div Non Decr Years30
LARK Yearly Dividends per shareLARK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

31.33% of the earnings are spent on dividend by LARK. This is a low number and 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.
DP31.33%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
LARK Dividend Payout.LARK Dividend Payout, showing the Payout Ratio.LARK Dividend Payout.PayoutRetained Earnings

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LANDMARK BANCORP INC

NASDAQ:LARK (6/20/2025, 8:00:02 PM)

After market: 25.18 0 (0%)

25.18

-1.25 (-4.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)08-04 2025-08-04
Inst Owners23.66%
Inst Owner Change22.41%
Ins Owners20.03%
Ins Owner Change-8.88%
Market Cap145.54M
Analysts0
Price TargetN/A
Short Float %1.18%
Short Ratio2.43
Dividend
Industry RankSector Rank
Dividend Yield 3.18%
Yearly Dividend0.8
Dividend Growth(5Y)3.86%
DP31.33%
Div Incr Years23
Div Non Decr Years30
Ex-Date05-21 2025-05-21 (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 RankSector Rank
PE 9.03
Fwd PE N/A
P/S 2.32
P/FCF 7.93
P/OCF 7.5
P/B 1.02
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)2.79
EY11.08%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.17
FCFY12.6%
OCF(TTM)3.36
OCFY13.33%
SpS10.86
BVpS24.68
TBVpS18.13
PEG (NY)N/A
PEG (5Y)2
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 10.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.77%
GM N/A
FCFM 29.21%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.52
Debt/EBITDA N/A
Cap/Depr 45.51%
Cap/Sales 1.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 122.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.1%
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)27.98%
EPS 3Y-10.05%
EPS 5Y4.5%
EPS Q2Q%58.82%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.69%
Revenue growth 3Y-0.06%
Revenue growth 5Y5.55%
Sales Q2Q%16.47%
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-26.44%
FCF growth 3Y-26.36%
FCF growth 5Y8.11%
OCF growth 1Y-24.32%
OCF growth 3Y-22.98%
OCF growth 5Y9.34%