Landmark Bancorp (LARK) AI Stock Analysis

• Market Cap: $150.94M
• Dividend Yield: 3.22%
• Average Volume (3M): 34.40K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.28
• Revenue Growth: 14.69%
• EPS Growth: 43.66%
• Country: US
• Employees: 283
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.75
• Shares Outstanding: 5,778,610
• 10 Day Avg. Volume: 8,062
• 30 Day Avg. Volume: 34,399
• PEG Ratio: 0.70
• Price to Book (P/B): 1.07
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.28
• Enterprise Value/Market Cap: 1.33
• Enterprise Value/Revenue: 0.58
• Enterprise Value/Gross Profit: 3.31
• Enterprise Value/Ebitda: 2.95
• 1Y Price Target: $28.00
• Price Target Upside: 10.76% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• Price Target: $29.00 ▲(14.72%Upside)

Landmark Bancorp's overall stock score is driven by strong financial performance and positive earnings call insights, which are the most significant factors. The valuation is attractive, providing a solid dividend yield and a reasonable P/E ratio. However, the technical analysis presents bearish signals, which affects the overall score.

Landmark Bancorp Business Overview & Revenue Model

Company Description

Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, including automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It has 30 branch offices in 24 communities across the state of Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas.

How the Company Makes Money

Landmark Bancorp generates revenue primarily through interest income, which it earns by providing loans and credit facilities to individuals and businesses while paying interest on deposits. The spread between the interest received from loans and the interest paid on deposits constitutes a significant portion of its income. Additionally, the company earns non-interest income from service charges, fees for various banking services, and wealth management advisory fees. Landmark Bancorp's earnings are further supported by its strategic focus on community banking, enabling it to maintain strong customer relationships and a stable deposit base. The company may also engage in securities investments and other financial activities to diversify its income streams.

Landmark Bancorp Financial Statement Overview

Summary

Landmark Bancorp shows strong financial health with robust profitability and operational efficiency. The company's income statement reflects a high gross profit and net profit margin, while the balance sheet indicates a moderate leverage and solid returns on equity. Cash flow management is efficient with strong free cash flow generation, despite ongoing investments affecting the investing cash flow.

Income Statement

Landmark Bancorp demonstrated strong financial performance in its TTM (Trailing-Twelve-Months) data with a Gross Profit Margin of 67.48% and a Net Profit Margin of 16.56%. The company also experienced a healthy Revenue Growth Rate of 2.04% compared to the previous year. Additionally, the EBIT Margin stood at 18.32% and the EBITDA Margin at 20.90%, indicating robust operational efficiency.

Balance Sheet

The company maintains a solid financial position with a Debt-to-Equity Ratio of 0.54, reflecting a moderate level of leverage. The Return on Equity (ROE) is an impressive 10.47%, highlighting the company's effectiveness in generating profits from its equity. The Equity Ratio of 9.03% suggests a good portion of assets financed by equity, though there is room for improvement.

Cash Flow

Landmark Bancorp shows strong cash flow management, with a Free Cash Flow Growth Rate of 54.24% and a solid Operating Cash Flow to Net Income Ratio of 1.30. The Free Cash Flow to Net Income Ratio is 1.23, indicating efficient conversion of net income to cash. However, the Investing Cash Flow remains negative, which could suggest ongoing investments or capital expenditures.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	88.64M	77.91M	56.93M	62.09M	66.61M
Gross Profit	58.17M	56.17M	52.58M	60.08M	60.54M
EBITDA	16.59M	17.30M	13.89M	25.42M	26.87M
Net Income	13.00M	12.24M	9.88M	18.01M	19.49M
Balance Sheet
Total Assets	1.57B	1.56B	1.50B	1.33B	1.19B
Cash, Cash Equivalents and Short-Term Investments	59.65M	484.79M	521.55M	577.31M	382.09M
Total Debt	88.50M	99.03M	68.25M	36.46M	28.02M
Total Liabilities	1.44B	1.43B	1.39B	1.19B	1.06B
Stockholders Equity	136.22M	126.91M	111.43M	135.64M	126.67M
Cash Flow
Free Cash Flow	11.92M	11.61M	23.90M	29.84M	14.45M
Operating Cash Flow	14.24M	12.60M	24.78M	31.16M	14.81M
Investing Cash Flow	-18.11M	-50.61M	-197.16M	-56.45M	-104.55M
Financing Cash Flow	-2.96M	41.95M	6.32M	129.69M	160.86M

Landmark Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 25.28
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LARK, the sentiment is Negative. The current price of 25.28 is below the 20-day moving average (MA) of 26.61, below the 50-day MA of 27.29, and above the 200-day MA of 24.83, indicating a neutral trend. The MACD of -0.29 indicates Positive momentum. The RSI at 40.30 is Neutral, neither overbought nor oversold. The STOCH value of 19.45 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LARK.

Landmark Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MRBK	78 Outperform	$166.01M	10.34	9.64%	3.36%	12.41%	34.20%
BVFL	77 Outperform	$170.04M	15.60	5.31%	―	5.08%	-12.65%
FRAF	72 Outperform	$187.43M	12.88	9.88%	3.13%	15.18%	―
LARK	69 Neutral	$150.94M	9.31	11.80%	3.22%	14.69%	43.66%
ATLO	68 Neutral	$166.19M	12.14	7.60%	4.67%	6.86%	44.54%
Sector *	67 Neutral	$17.09B	11.28	9.28%	3.81%	11.08%	-4.02%
FSFG	65 Neutral	$179.90M	8.39	12.26%	2.40%	8.14%	134.03%

Landmark Bancorp Corporate Events

Landmark Bancorp Reports Q2 2025 Earnings Growth

On July 24, 2025, Landmark Bancorp, Inc. announced its second quarter 2025 earnings, reporting a diluted earnings per share of $0.75, a decrease from the previous quarter but an increase from the same period last year. The company saw significant growth in its loan portfolio, with total gross loans increasing by $42.9 million, contributing to a 24.7% rise in net interest income compared to the previous year. Despite a decline in deposits, Landmark maintained strong credit quality and increased stockholders’ equity by $5.7 million. The Board of Directors declared a cash dividend of $0.21 per share, payable on August 27, 2025.

Landmark Bancorp to Release Q2 2025 Earnings Soon

On July 11, 2025, Landmark Bancorp, Inc. announced that it will release its second-quarter earnings for 2025 after the market closes on July 24, 2025. The company has scheduled a conference call for July 25, 2025, to discuss these results, providing investors with an opportunity to gain insights into the company’s financial performance and future outlook.

Landmark Bancorp Holds Annual Stockholders Meeting

On May 21, 2025, Landmark Bancorp, Inc. held its Annual Meeting of Stockholders in Manhattan, Kansas, where 80.8% of the outstanding shares were represented. During the meeting, four Class III board members were elected, executive compensation was approved on a non-binding basis, and the frequency of future say-on-pay proposals was set to occur annually. Additionally, Crowe LLP was ratified as the company’s independent registered public accounting firm for 2025.