LANDMARK BANCORP INC (LARK) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:LARK • US51504L1070

28.38 USD
+0.56 (+2.01%)
At close: Feb 3, 2026
28.38 USD
0 (0%)
After Hours: 2/3/2026, 8:28:37 PM
Fundamental Rating

3

Taking everything into account, LARK scores 3 out of 10 in our fundamental rating. LARK was compared to 383 industry peers in the Banks industry. LARK has a bad profitability rating. Also its financial health evaluation is rather negative. LARK is valued expensive and it does not seem to be growing. Finally LARK also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • LARK had positive earnings in the past year.
  • LARK had a positive operating cash flow in the past year.
  • Of the past 5 years LARK 4 years were profitable.
  • 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 10M 20M 30M

1.2 Ratios

  • The Return On Assets of LARK (1.07%) is better than 68.15% of its industry peers.
  • With a decent Return On Equity value of 11.12%, LARK is doing good in the industry, outperforming 74.93% of the companies in the same industry.
Industry RankSector 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
LARK Yearly ROA, ROE, ROICLARK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 59.53% of the companies in the same industry.
  • LARK's Profit Margin has been stable 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

  • LARK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for LARK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
LARK Yearly Shares OutstandingLARK Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
  • LARK has a Debt to FCF ratio (1.34) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.15 indicates that LARK is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.15, LARK perfoms like the industry average, outperforming 54.83% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACCN/A
WACC15.48%
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 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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1

3. Growth

3.1 Past

  • LARK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.71%, which is quite impressive.
EPS 1Y (TTM)27.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%8.45%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 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. Valuation

4.1 Price/Earnings Ratio

  • LARK is valuated reasonably with a Price/Earnings ratio of 8.92.
  • Compared to the rest of the industry, the Price/Earnings ratio of LARK indicates a rather cheap valuation: LARK is cheaper than 91.91% of the companies listed in the same industry.
  • LARK is valuated cheaply when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.92
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 72.06% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.04
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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7

5. Dividend

5.1 Amount

  • LARK has a Yearly Dividend Yield of 3.11%. Purely for dividend investing, there may be better candidates out there.
  • LARK's Dividend Yield is a higher than the industry average which is at 2.69.
  • Compared to an average S&P500 Dividend Yield of 1.83, LARK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.11%

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
LARK Yearly Dividends per shareLARK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

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 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 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 (2/3/2026, 8:28:37 PM)

After market: 28.38 0 (0%)

28.38

+0.56 (+2.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners31.17%
Inst Owner Change2.82%
Ins Owners20.87%
Ins Owner Change-1.01%
Market Cap172.55M
Revenue(TTM)N/A
Net Income(TTM)17.32M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.11%
Yearly Dividend0.76
Dividend Growth(5Y)2.85%
DP27.72%
Div Incr Years23
Div Non Decr Years30
Ex-DateN/A
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 8.92
Fwd PE N/A
P/S 2.55
P/FCF 10.04
P/OCF 9.76
P/B 1.11
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)3.18
EY11.21%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.83
FCFY9.96%
OCF(TTM)2.91
OCFY10.24%
SpS11.14
BVpS25.61
TBVpS19.43
PEG (NY)N/A
PEG (5Y)N/A
Graham Number42.81
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)0.76%
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 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
WACC15.48%
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)27.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%8.45%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 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.


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 8.92 and the Price/Book (PB) ratio is 1.11.


Can you provide the financial health for LARK stock?

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