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INDICATIVE · SAMPLE DATA
LARK$27.7960

Landmark Bancorp Inc

BanksVerified

Landmark Bancorp Inc has a market capitalization of $169.45 million and a price-to-earnings ratio of 56.26, indicating a high valuation relative to earnings. The company's price-to-book ratio is 1.32, suggesting that the market values the company at a moderate premium to its book value. The company's liquidity position is characterized as medium risk, with a negative net cash position after subtracting total debt. The company's profitability is modest, with a return on equity of 2.35% and a return on assets of 0.19%, both of which are below the industry median for banks. The net income of $3.01 million and revenue of $10.97 million indicate a relatively small scale of operations compared to industry peers. The company's debt-to-equity ratio of 0.24 suggests a conservative capital structure with limited leverage. Landmark Bancorp Inc's revenue is not segmented by geographic region or product line in the available data, making it difficult to assess geographic or segment concentration. The company's exposure to specific markets or customer bases is not disclosed, which limits the ability to evaluate potential concentration risks. The company's growth trajectory is not clearly defined in the available data, as there are no specific revenue growth projections or historical growth rates provided. The capital expenditure of -$1.92 million indicates a reduction in capital spending, which may reflect a strategic shift or a focus on cost management. The company's free cash flow of $1.83 million suggests a modest ability to fund operations and growth initiatives. The risk assessment for Landmark Bancorp Inc indicates a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt is a key liquidity flag. The company's ESG scores, including a Social pillar score of 15.53 and a Governance pillar score of 46.62, suggest room for improvement in social and governance practices. The ESG controversies score of 100.00 indicates no reported controversies, which is a positive sign. Recent events and filings for Landmark Bancorp Inc are not detailed in the available data, making it difficult to assess the company's recent performance or strategic initiatives. The company's last actual EPS was $0.04, which is a low earnings figure. The lack of detailed recent events or filings limits the ability to evaluate the company's current financial health and strategic direction.

30-day price · LARK+1.39 (+5.4%)
Low$25.33High$28.50Close$27.10As of16 May, 00:00 UTC
Profile
CompanyLandmark Bancorp Inc
TickerLARK.O
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Landmark Bancorp Inc provides banking and financial services, including commercial and retail banking, wealth management, and mortgage lending.

Classification. Landmark Bancorp Inc is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

Landmark Bancorp Inc has a market capitalization of $169.45 million and a price-to-earnings ratio of 56.26, indicating a high valuation relative to earnings. The company's price-to-book ratio is 1.32, suggesting that the market values the company at a moderate premium to its book value. The company's liquidity position is characterized as medium risk, with a negative net cash position after subtracting total debt. The company's profitability is modest, with a return on equity of 2.35% and a return on assets of 0.19%, both of which are below the industry median for banks. The net income of $3.01 million and revenue of $10.97 million indicate a relatively small scale of operations compared to industry peers. The company's debt-to-equity ratio of 0.24 suggests a conservative capital structure with limited leverage. Landmark Bancorp Inc's revenue is not segmented by geographic region or product line in the available data, making it difficult to assess geographic or segment concentration. The company's exposure to specific markets or customer bases is not disclosed, which limits the ability to evaluate potential concentration risks. The company's growth trajectory is not clearly defined in the available data, as there are no specific revenue growth projections or historical growth rates provided. The capital expenditure of -$1.92 million indicates a reduction in capital spending, which may reflect a strategic shift or a focus on cost management. The company's free cash flow of $1.83 million suggests a modest ability to fund operations and growth initiatives. The risk assessment for Landmark Bancorp Inc indicates a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt is a key liquidity flag. The company's ESG scores, including a Social pillar score of 15.53 and a Governance pillar score of 46.62, suggest room for improvement in social and governance practices. The ESG controversies score of 100.00 indicates no reported controversies, which is a positive sign. Recent events and filings for Landmark Bancorp Inc are not detailed in the available data, making it difficult to assess the company's recent performance or strategic initiatives. The company's last actual EPS was $0.04, which is a low earnings figure. The lack of detailed recent events or filings limits the ability to evaluate the company's current financial health and strategic direction.
Key takeaways
  • Landmark Bancorp Inc has a high price-to-earnings ratio of 56.26, indicating a premium valuation relative to earnings.
  • The company's return on equity of 2.35% is below the industry median for banks, suggesting limited profitability.
  • Landmark Bancorp Inc has a conservative capital structure with a debt-to-equity ratio of 0.24.
  • The company's liquidity position is characterized as medium risk, with a negative net cash position after subtracting total debt.
  • The company's ESG scores indicate room for improvement in social and governance practices, but no reported controversies.
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Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue$11.0M
Gross profit
Operating income
Net income$3.0M
R&D
SG&A
D&A
SBC
Operating cash flow$7.2M
CapEx-$1.9M
Free cash flow$1.8M
Total assets$1.56B
Total liabilities$1.43B
Total equity$128.3M
Cash & equivalents
Long-term debt$30.4M
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$38.3M$18.0M$15.5M
FY-3$38.9M$9.9M$7.4M
FY-2$43.3M$12.2M$10.0M
FY-1$45.7M$13.0M$8.6M
FY0$55.7M$18.8M$15.6M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$1.33B$135.6M
FY-3$1.50B$111.4M
FY-2$1.56B$126.9M
FY-1$1.57B$136.2M
FY0$1.61B$160.6M
PeriodOCFCapExFCFSBC
FY-4$31.2M-$1.3M$15.5M
FY-3$24.8M-$876.0k$7.4M
FY-2$12.6M-$995.0k$10.0M
FY-1$14.2M-$2.3M$8.6M
FY0$21.6M-$605.0k$15.6M
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7$11.0M$3.0M$1.8M
FQ-6$11.6M$3.9M$3.1M
FQ-4$13.1M$4.7M$4.0M
FQ-2$14.1M$4.9M$4.0M
FQ0$15.0M$5.1M$4.2M
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-4
FQ-2
FQ0
PeriodAssetsEquityCashDebt
FQ-7$1.56B$128.3M
FQ-6$1.56B$139.7M
FQ-4$1.58B$142.7M
FQ-2$1.62B$155.7M
FQ0$1.61B$161.6M
PeriodOCFCapExFCFSBC
FQ-7$7.2M-$1.9M$1.8M
FQ-6$15.3M-$2.2M$3.1M
FQ-4$8.0M-$49.0k$4.0M
FQ-2$18.8M-$385.0k$4.0M
FQ0$6.8M-$119.0k$4.2M
Valuation
Market price$27.79
Market cap$169.5M
Enterprise value$199.8M
P/E56.3
Reported non-GAAP P/E
EV/Revenue18.2
EV/Op income
EV/OCF27.7
P/B1.3
P/Tangible book1.3
Tangible book$128.3M
Net cash-$30.4M
Current ratio
Debt/Equity0.2
ROA0.2%
ROE2.4%
Cash conversion2.4%
CapEx/Revenue-17.5%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricLARKActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin27.4%33.6% medp25 19.4% · p75 51.1%below median
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-17.5%-4.6% medp25 -10.4% · p75 -2.1%bottom quartile
Debt / equity24.0%56.1% medp25 13.2% · p75 161.2%below median
Observations
IR observations
Last actual EPS0.04 USD
Social pillar15.53 (0-100)
Governance pillar46.62 (0-100)
ESG controversies score100.00 (0-100, higher = fewer controversies)
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-16 16:37 UTC#03668f57
Market quoteclose USD 27.79 · shares 0.01B diluted
no public URL
2026-05-16 16:37 UTC#28d754b2
Source: analysis-pipeline (hybrid)Generated: 2026-05-28 09:37 UTCJob: 3798d2eb