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Landmark Bancorp Inc (LARK) stock analysis

LARKNasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 10, 2026Score 13/30
$32.22−0.16 (-0.48%)

Close on Nov 12, 2026Market cap $196.56MP/E –Yield 2.48%

StockData Score

Prices as of Nov 11, 2026How the score works

Value2Growth4Performance3Health1Dividend3

Mixed13 of 30 checks passed

Landmark Bancorp passes 13 of the 30 checks behind our score; 10 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
4/6
Past performance
3/6
Financial health
1/6
Dividend
3/6

What stands out

  • Revenue growing 10%+ a year

    Revenue grew 10.3% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 21.5% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 19.4% over the last twelve months, against a 5-year average of -0.7% a year.

  • Covered by free cash flow

    Dividends take 22.9% of free cash flow.

What to watch

  • Return on equity under 15%

    Return on equity was 13.1% over the last twelve months and averaged 10.9% over five years; we look for 15% on both.

  • Earnings shrank over 5 years

    Net income shrank 0.7% a year on average over the last five fiscal years.

  • Net margin below the industry

    Landmark Bancorp's net margin of 27.2% is below the Commercial Banks median of 30.3%.

  • High cost base

    Non-interest expense takes 63.7% of revenue; under 60% is efficient for a bank.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Landmark Bancorp's price-to-sales of 2.60 is below the Commercial Banks median of 3.60.

  • P/B below the industry

    Landmark Bancorp's price-to-book of 1.23 is below the Commercial Banks median of 1.29.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth4/6

  • Revenue growing 10%+ a year

    Revenue grew 10.3% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 21.5% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 19.4% over the last twelve months, against a 5-year average of -0.7% a year.

  • Growing faster than the industry

    Revenue grew 12.1% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance3/6

  • Return on equity under 15%

    Return on equity was 13.1% over the last twelve months and averaged 10.9% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.3%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Landmark Bancorp's return on equity of 13.1% is above the Commercial Banks median of 11.5%.

  • Earnings shrank over 5 years

    Net income shrank 0.7% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 27.2% over the last twelve months, against a 5-year average of 23.6%.

  • Net margin below the industry

    Landmark Bancorp's net margin of 27.2% is below the Commercial Banks median of 30.3%.

Financial health1/6

  • Well capitalized

    Equity is 10.0% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • High cost base

    Non-interest expense takes 63.7% of revenue; under 60% is efficient for a bank.

  • Deposits shrinking

    Deposits fell 6.0% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    Landmark Bancorp paid dividends worth 3.2% of the share price over the last twelve months.

  • Yield below Treasuries

    The 3.2% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Landmark Bancorp yields 3.2%.

  • Dividend stability

    Fewer than five years of dividend history.

  • Covered by earnings

    Dividends take 24.5% of net income.

  • Covered by free cash flow

    Dividends take 22.9% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Landmark Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 11.8
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$208.10K
Value traded per 1% price move
$237.48K

Downside

Low risk

Typical loss in a bad month
12.9%
Volatility (annualized)
28%
Sharpe ratio, 1 year
0.97
Beta to the S&P 500 (5Y)
0.24

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

26.6%−4.0 pts over 5 years

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