Landmark Bancorp Inc. (LARK)
NASDAQ:LARK
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Earnings Data
Report Date
Jul 28, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
0.75Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented broadly positive operating and profitability momentum—record revenue, EPS growth, improved net interest margin, higher net interest income, mortgage originations growth, core deposit expansion and stronger investment yields—while noting manageable but meaningful headwinds including a $66.2 million deposit decline, modest loan balance declines, a small uptick in nonperforming and past-due loans, increased unrealized investment losses from rising rates, and a quarter impact from fraud-related expense. Capital levels remain strong and the dividend was maintained, and management emphasized disciplined underwriting and active balance sheet management.Company Guidance
Record Revenue and EPS Growth
Total revenue reached a record $18.8 million for Q1 2026. Earnings per share were $0.83, up 6.7% versus Q4 2025 and up 7.2% versus Q1 2025. Net income totaled $5.1 million compared to $4.7 million in Q1 2025.
Improved Profitability and Margins
Return on assets rose to 1.29% (up 12 basis points linked-quarter, up 7 basis points year-over-year). Net interest margin expanded to 4.24% (up 21 bps q/q and 48 bps y/y). Net interest income was $15.0 million, increasing 1.6% q/q and approximately $1.9 million y/y.
Core Customer Deposit Growth
Core customer deposits increased 1.6% on a linked-quarter basis, demonstrating growth in customer relationships despite overall seasonal deposit outflows.
Mortgage Originations and Gains on Sale
Mortgage originations were up 9% versus Q1 2025, with more originations sold into the secondary market driving higher gain-on-sale income.
Commercial Real Estate Growth
Commercial real estate loans increased by $13.6 million during the quarter, partially offsetting declines in other portfolios. Total loans were $1.1 billion (down $13.5 million q/q but up $23.3 million y/y).
Capital, Book Value and Dividend Continuity
Tangible book value per share ended the quarter at $20.89 and book value increased to $26.50 from $26.44. Tangible common equity to assets was reported at 8.11%. The Board declared a $0.21 per share cash dividend payable May 28, marking the 99th consecutive quarterly dividend.
Improved Investment Yields and Lower Funding Costs
Interest income on investments increased to $2.9 million and investment yields improved from 3.39% to 3.55% q/q. Interest expense on deposits decreased $527,000 q/q; average rate on interest-bearing deposits fell 16 bps to 1.90%, and borrowing costs also declined.
Expense Management
Noninterest expense decreased $362,000 q/q, primarily driven by a $492,000 reduction in compensation and benefits (lower incentive comp). Effective tax rate remained ~20% (19.8% in Q1 2026).
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 |
|---|---|---|---|
Apr 29, 2026 | $27.40 | $26.52 | -3.21% |
Jan 28, 2026 | $26.20 | $27.79 | +6.06% |
Oct 29, 2025 | $24.31 | $24.30 | -0.04% |
Jul 24, 2025 | $24.29 | $24.36 | +0.30% |
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 Jul 28, 2026, After Close (Confirmed).
What is Landmark Bancorp Inc. (LARK) earnings time?
Landmark Bancorp Inc. (LARK) earnings time is at Jul 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is LARK EPS forecast?
Currently, no data Available