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Landmark Bancorp Inc. (LARK)
NASDAQ:LARK
Earnings Data
Report Date
May 05, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.81Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple strong financial accomplishments—double-digit revenue and loan growth, substantial EPS and tangible book value gains, improved NIM, deposit growth, better efficiency, and strengthened credit metrics—while acknowledging manageable headwinds including higher noninterest expenses, investment portfolio unrealized losses, minor quarter-over-quarter loan contraction, and the prior-quarter charge-offs tied to a single commercial credit. Overall the positives materially outweigh the negatives.Company Guidance
Strong Full-Year and Quarterly Earnings
FY2025 net income of $18.8M and diluted EPS of $3.07 (a 43% increase in EPS vs. 2024); Q4 2025 net income of $4.7M and diluted EPS of $0.77.
Revenue Growth and Operating Leverage
Full-year revenue growth of 17% with positive operating leverage as revenue growth outpaced overhead expense growth.
Net Interest Margin and Deposit Cost Improvement
Full-year net interest margin improved 58 basis points to 3.86%; Q4 tax-equivalent NIM improved to 4.03% (up 20 bps QoQ and 52 bps YoY). Attractive cost of deposits improved to 1.56% for the year and 1.50% in Q4.
Loan Growth and Mortgage Origination Strength
Average total loan growth of 11.5% for the year with loans ending the year at $1.1B; mortgage originations increased 11% year-over-year.
Improved Efficiency and Capital Position
Efficiency ratio improved to 62.7% in 2025 from 69.1% in 2024; tangible book value rose to $20.79 per share (up $0.83 QoQ and $4.09 or 24% YoY). Consolidated capital ratios remain above well-capitalized levels and tangible common equity to assets exceeds 8%.
Deposit and Liquidity Strength
Deposits totaled $1.4B at Dec 31, 2025, increasing $63.4M QoQ and $60.1M YoY; noninterest-bearing deposits represented 26.3% of total deposits and loan-to-deposit ratio was 79.1%.
Credit Losses Under Control and Improvement in Nonperforming Loans
Q4 provision of $0.5M and allowance for credit losses of $12.5M (1.12% of gross loans); Q4 net charge-offs of $341k (down from $2.3M in prior quarter) and nonperforming loans reduced $3.1M or 24% vs. year-end 2024 to just under $10M (0.90% of gross loans).
Return to Shareholders
Board declared a cash dividend of $0.21 per share, continuing a long history of quarterly dividends (98th consecutive quarterly dividend since parent formation).
LARK Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
LARK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 28, 2026 | $26.40 | $28.00 | +6.06% |
Oct 29, 2025 | $24.50 | $24.49 | -0.04% |
Jul 24, 2025 | $24.47 | $24.55 | +0.33% |
Apr 30, 2025 | $26.26 | $27.74 | +5.64% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Landmark Bancorp Inc. (LARK) report earnings?
Landmark Bancorp Inc. (LARK) is schdueled to report earning on May 05, 2026, After Close (Confirmed).
What is Landmark Bancorp Inc. (LARK) earnings time?
Landmark Bancorp Inc. (LARK) earnings time is at May 05, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is LARK EPS forecast?
Currently, no data Available