Landmark Bancorp (LARK) AI Stock Analysis

• Market Cap: $147.82M
• Dividend Yield: 3.21%
• Average Volume (3M): 8.14K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 0.25
• Revenue Growth: 12.42%
• EPS Growth: 39.45%
• Country: US
• Employees: 283
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.85
• Shares Outstanding: 5,783,312
• 10 Day Avg. Volume: 8,849
• 30 Day Avg. Volume: 8,137
• PEG Ratio: 1.61
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 1.56
• P/FCF Ratio: 11.60
• Enterprise Value/Market Cap: 2.11
• Enterprise Value/Revenue: 3.39
• Enterprise Value/Gross Profit: 5.00
• Enterprise Value/Ebitda: 15.18
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $28.00 ▲(7.07% Upside)

Landmark Bancorp's overall stock score is driven by strong earnings performance and attractive valuation. Financial performance is solid, though cash flow concerns and technical analysis suggest caution. The earnings call provided positive insights, but some operational challenges remain.

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 from loans and mortgages, which constitute a significant portion of its earnings. The company originates various types of loans, including consumer, business, and real estate loans, charging interest on these products. Additionally, Landmark Bancorp earns fee income from services such as account maintenance, transaction fees, and investment management services. The bank may also have revenue streams from investment securities and other financial products. Partnerships with local businesses and community organizations enhance its service offerings and customer base, contributing to its overall earnings.

Landmark Bancorp Financial Statement Overview

Summary

Landmark Bancorp demonstrates solid financial performance with consistent revenue growth and profitability. The income statement is strong, but the balance sheet indicates higher leverage typical for the banking industry. Cash flow generation poses concerns with declining growth, though cash flow relative to net income remains strong.

Income Statement

Landmark Bancorp shows a solid income statement with consistent revenue growth, evidenced by a 2.12% increase in TTM. The gross profit margin remains strong at 67.82%, and the net profit margin has improved to 17.73%. However, the EBIT and EBITDA margins have slightly decreased compared to previous years, indicating some pressure on operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 1.23, which is relatively high but manageable for the banking sector. Return on equity is healthy at 11.51%, showing effective use of equity to generate profits. The equity ratio stands at 9.13%, suggesting a moderate level of leverage.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth by 18.56% in TTM, indicating potential challenges in cash generation. The operating cash flow to net income ratio is low at 1.21%, suggesting limited cash conversion efficiency. However, the free cash flow to net income ratio is robust at 96.57%, indicating strong cash flow relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	92.02M	88.64M	77.91M	56.93M	62.09M	66.61M
Gross Profit	62.41M	58.17M	56.17M	52.58M	60.08M	60.54M
EBITDA	20.56M	16.59M	17.30M	13.89M	25.42M	26.87M
Net Income	16.32M	13.00M	12.24M	9.88M	18.01M	19.49M
Balance Sheet
Total Assets	1.62B	1.57B	1.56B	1.50B	1.33B	1.19B
Cash, Cash Equivalents and Short-Term Investments	377.48M	59.65M	484.79M	521.55M	577.31M	382.09M
Total Debt	182.59M	88.50M	99.03M	68.25M	36.46M	28.02M
Total Liabilities	1.48B	1.44B	1.43B	1.39B	1.19B	1.06B
Stockholders Equity	148.38M	136.22M	126.91M	111.43M	135.64M	126.67M
Cash Flow
Free Cash Flow	14.94M	11.92M	11.61M	23.90M	29.84M	14.45M
Operating Cash Flow	15.47M	14.24M	12.60M	24.78M	31.16M	14.81M
Investing Cash Flow	-53.77M	-18.11M	-50.61M	-197.16M	-56.45M	-104.55M
Financing Cash Flow	39.45M	-2.96M	41.95M	6.32M	129.69M	160.86M

Landmark Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 26.15
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LARK, the sentiment is Positive. The current price of 26.15 is above the 20-day moving average (MA) of 25.90, below the 50-day MA of 26.37, and below the 200-day MA of 26.29, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 53.03 is Neutral, neither overbought nor oversold. The STOCH value of 72.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LARK.

Landmark Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	68 Neutral	$147.82M	8.58	11.72%	3.21%	12.42%	39.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	67 Neutral	$162.75M	9.40	9.18%	1.32%	2.33%	22.43%
BVFL	66 Neutral	$168.08M	15.52	5.32%	―	4.86%	-8.20%
BFIN	58 Neutral	$138.81M	59.92	1.46%	3.62%	-2.62%	-70.70%
PNBK	55 Neutral	$137.99M	-0.13	-82.98%	―	-11.96%	-500.26%
MNSB	43 Neutral	$143.79M	-20.63	-2.07%	2.20%	1.92%	-174.59%

Landmark Bancorp Corporate Events

Landmark Bancorp Reports Strong Q3 2025 Earnings

Landmark Bancorp, Inc., a community banking organization headquartered in Manhattan, Kansas, operates 29 locations across Kansas and is listed on the Nasdaq Global Market under the symbol ‘LARK.’

Landmark Bancorp Announces Strong Q3 Earnings Growth

On October 29, 2025, Landmark Bancorp announced its third quarter earnings, reporting a diluted earnings per share of $0.85, an increase from previous quarters. The company declared a cash dividend of $0.21 per share and a 5% stock dividend, reflecting its strong financial performance. Landmark’s net earnings for the quarter were $4.9 million, driven by growth in net interest income and non-interest income, alongside improved credit quality and efficiency. The company’s strategic focus on loan growth and deposit expansion has strengthened its market position, benefiting stakeholders with increased profitability and shareholder returns.

The most recent analyst rating on (LARK) stock is a Hold with a $28.00 price target. To see the full list of analyst forecasts on Landmark Bancorp stock, see the LARK Stock Forecast page.

Landmark Bancorp to Announce Q3 Earnings Soon

On October 17, 2025, Landmark Bancorp, Inc. announced it will release its third-quarter earnings for 2025 after the market closes on October 29, 2025. A conference call to discuss these results is scheduled for October 30, 2025, at 10:00 a.m. (CT), providing stakeholders an opportunity to gain insights into the company’s financial performance.

The most recent analyst rating on (LARK) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Landmark Bancorp stock, see the LARK Stock Forecast page.