LARK Fundamental Analysis - LANDMARK BANCORP INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to LARK. LARK was compared to 392 industry peers in the Banks industry. LARK has a medium profitability rating, but doesn't score so well on its financial health evaluation. LARK is valued expensive and it does not seem to be growing.

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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.

In the past 5 years LARK has always been profitable.

In the past 5 years LARK always reported a positive cash flow from operatings.

1.2 Ratios

LARK's Return On Assets of 1.00% is fine compared to the rest of the industry. LARK outperforms 63.52% of its industry peers.

LARK has a Return On Equity of 11.00%. This is in the better half of the industry: LARK outperforms 76.79% of its industry peers.

		Industry Rank	Sector Rank
ROA	1%
ROE	11%
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

1.3 Margins

Looking at the Profit Margin, with a value of 24.95%, LARK is in line with its industry, outperforming 58.42% of the companies in the same industry.

LARK's Profit Margin has been stable in the last couple of years.

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)	24.95%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LARK does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for LARK has been increased compared to 1 year ago.

LARK has less shares outstanding than it did 5 years ago.

The debt/assets ratio for LARK is higher compared to a year ago.

2.2 Solvency

LARK has a debt to FCF ratio of 1.84. This is a very positive value and a sign of high solvency as it would only need 1.84 years to pay back of all of its debts.

The Debt to FCF ratio of LARK (1.84) is comparable to the rest of the industry.

A Debt/Equity ratio of 0.19 indicates that LARK is not too dependend on debt financing.

LARK has a Debt to Equity ratio (0.19) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.84
Altman-Z	N/A

ROIC/WACCN/A

WACC16.25%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

LARK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.06%, 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 4.50% on average per year.

The Revenue has grown by 16.27% in the past year. This is quite good.

LARK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.55% yearly.

EPS 1Y (TTM)43.06%

EPS 3Y-10.05%

EPS 5Y4.5%

EPS Q2Q%36.36%

Revenue 1Y (TTM)16.27%

Revenue growth 3Y-0.06%

Revenue growth 5Y5.55%

Sales Q2Q%17.84%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.92, the valuation of LARK can be described as very reasonable.

Based on the Price/Earnings ratio, LARK is valued cheaper than 90.31% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.41, LARK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.92
Fwd PE	N/A

4.2 Price Multiples

66.58% of the companies in the same industry are more expensive than LARK, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	10.33
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.98

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

LARK has a Yearly Dividend Yield of 3.09%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.47, LARK has a dividend in line with its industry peers.

LARK's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	3.09%

5.2 History

The dividend of LARK has a limited annual growth rate of 3.86%.

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)3.86%

Div Incr Years23

Div Non Decr Years30

5.3 Sustainability

LARK pays out 29.04% of its income as dividend. This is a 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.

DP29.04%

EPS Next 2YN/A

EPS Next 3YN/A

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LANDMARK BANCORP INC

NASDAQ:LARK (9/22/2025, 8:39:55 PM)

After market: 26.67 0 (0%)

26.67

-0.4 (-1.48%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-28 2025-10-28

Inst Owners23.88%

Inst Owner Change27.84%

Ins Owners20.05%

Ins Owner Change-5.2%

Market Cap154.15M

Analysts0

Price TargetN/A

Short Float %2.32%

Short Ratio13.9

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.09%

Yearly Dividend0.8

Dividend Growth(5Y)3.86%

DP29.04%

Div Incr Years23

Div Non Decr Years30

Ex-Date08-13 2025-08-13 (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	8.92
Fwd PE	N/A
P/S	2.36
P/FCF	10.33
P/OCF	9.97
P/B	1.04
P/tB	1.39
EV/EBITDA	N/A

EPS(TTM)2.99

EY11.21%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.58

FCFY9.68%

OCF(TTM)2.68

OCFY10.03%

SpS11.32

BVpS25.67

TBVpS19.14

PEG (NY)N/A

PEG (5Y)1.98

Profitability

		Industry Rank	Sector Rank
ROA	1%
ROE	11%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.95%
GM	N/A
FCFM	22.82%

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-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.84
Debt/EBITDA	N/A
Cap/Depr	23.26%
Cap/Sales	0.82%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	91.49%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC16.25%

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)43.06%

EPS 3Y-10.05%

EPS 5Y4.5%

EPS Q2Q%36.36%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)16.27%

Revenue growth 3Y-0.06%

Revenue growth 5Y5.55%

Sales Q2Q%17.84%

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-37.09%

FCF growth 3Y-26.36%

FCF growth 5Y8.11%

OCF growth 1Y-36.86%

OCF growth 3Y-22.98%

OCF growth 5Y9.34%

LANDMARK BANCORP INC (LARK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens