Landmark Bancorp, Inc. LARK R2K

Financial Services · Banks - Regional · United States

https://www.banklandmark.com

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 time deposits, certificates of deposit, and treasury management services. The company also provides one-to-four family residential real estate, construction and land, commercial real estate, commercial, municipal, and agriculture loans; and consumer and other loans, such as automobile, boat, and home improvement and home equity loans, as well as insurance services. In addition, the company invests in certain investment and mortgage-related securities. It operates in the eastern, central, southeast, and southwest Kansas. Landmark Bancorp, Inc. was founded in 1885 and is headquartered in Manhattan, Kansas.

Market & Price

Market Cap

$173.29M

Current Price

$28.42

High / Low (52W)

$28.60 / $22.19

Beta

0.38

Valuation

Stock P/E

9.08

Industry PE

12.01

Forward P/E

PEG Ratio

1.51

Book Value

$26.50

Price to Book

1.07

P/S

2.47

EV/EBITDA

Dividend Yield

2.89%

Profitability & Returns

ROCE

ROE

12.58%

ROA

1.20%

Profit Margin

27.33%

Op Margin

35.94%

EPS (Latest Qtr)

$0.83

EPS (TTM)

$3.13

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$90.98M

Total Assets

$1.61B

Current Assets

Working Capital

Ownership

Promoter Holding

16.25%

Chg in Prom Hold

FII / Inst Holding

40.90%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$229.01M

Total Revenue (TTM)

$70.03M

EBITDA

Free Cash Flow

Operating Cash Flow

$20.44M

Shares Outstanding

6.10M

Gross Margin

0.00%

Payout Ratio

25.88%

Growth (CAGR)

Revenue 5Y

10.34%

Profit 5Y

23.87%

Revenue (YoY)

10.60%

Earnings (YoY)

7.80%

PROS

Excellent profit margin of 27.3%.
Compounding revenue at 10.3% over 5 years.
Profit CAGR of 23.9% over 5 years.
Attractive dividend yield of 2.89%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	LARK Landmark Bancorp, Inc. R2K	28.42	9.08	$173.29M	2.89%	-	12.58%	10.34%	23.87%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.48M	17.31M	18.16M	18.69M	18.79M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.22M	6.42M	6.64M	6.05M	5.22M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.72M	5.35M	6.06M	5.93M	6.32M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.01M	944.00K	1.13M	1.19M	1.25M
Net Income	1.41M	1.28M	1.70M	2.08M	2.17M	2.78M	2.62M	2.53M	2.39M	2.33M	2.16M	2.21M	2.38M	-2.66M	2.10M	2.85M	3.02M	2.18M	2.60M	2.61M	3.36M	5.10M	5.43M	5.37M	4.98M	4.52M	3.13M	3.03M	2.50M	3.36M	3.36M	2.88M	2.78M	3.01M	3.93M	4.70M	4.40M	4.93M	4.74M	5.07M
Diluted EPS	0.45	410.00	0.51	0.62	0.64	0.77	0.72	0.70	0.63	0.60	0.55	0.54	0.58	-0.65	0.48	0.65	0.69	0.47	0.56	0.57	0.70	1.08	1.14	1.08	0.99	0.90	0.59	0.58	0.48	0.61	0.61	0.52	0.48	0.52	0.68	0.77	0.71	0.81	0.77	0.83

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	52.58M	56.52M	60.47M	70.64M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	4.35M	21.39M	28.18M	25.33M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	11.31M	14.19M	14.09M	23.05M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	1.43M	1.95M	1.09M	4.28M
Net Income	3.27M	2.04M	4.48M	6.37M	4.66M	8.05M	10.51M	8.96M	4.37M	10.43M	10.66M	19.49M	-	9.88M	12.24M	13.00M	18.77M
Diluted EPS	1.19	0.70	1.46	1.96	1.35	2.16	2.64	2.10	0.96	2.17	2.10	3.72	-	1.62	2.02	2.15	3.07

Compounded Sales Growth

5 Years:	10.34%
1 Year:	10.60%

Compounded Profit Growth

5 Years:	23.87%
1 Year:	7.80%

Stock Price Performance

1 Year:	+5.80%
6 Months:	+4.16%
3 Months:	+3.23%
1 Month:	+4.51%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	561.51M	598.24M	614.07M	828.75M	863.47M	878.38M	911.38M	929.45M	985.78M	998.47M	1.19B	-	1.50B	1.56B	1.57B	1.61B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	13.79M	12.38M	9.73M	17.50M	14.92M	29.73M	12.76M	13.57M	20.00M	16.58M	19.11M	13.69M	84.82M	-	32.24M	32.02M	24.39M	24.20M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	13.46M	26.09M	28.99M	-	-
Total Liabilities	-	-	507.69M	539.12M	550.73M	766.06M	791.83M	797.81M	826.43M	841.83M	893.88M	889.86M	1.06B	-	1.39B	1.43B	1.44B	1.45B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	68.25M	86.31M	74.70M	32.22M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	68.25M	86.31M	74.70M	32.22M
Total Equity	51.41M	53.90M	53.82M	59.12M	63.33M	62.69M	71.64M	80.57M	84.95M	87.62M	91.90M	108.61M	126.67M	-	111.43M	126.91M	136.22M	160.63M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.03M	6.04M	6.06M	6.07M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	4.03M	-2.06M	13.07M	12.38M	-	-	-	19.02M	3.06M	21.24M	9.11M	14.81M	-	24.78M	12.60M	14.24M	21.63M
Investing Cash Flow	25.63M	20.05M	-32.48M	10.38M	-	-	-	-40.28M	-21.15M	-64.14M	-7.76M	-104.55M	-	-197.16M	-50.61M	-18.11M	-21.37M
Financing Cash Flow	-31.07M	-20.64M	27.17M	-25.35M	-	-	-	27.69M	14.68M	45.44M	-6.77M	160.86M	-	6.32M	41.95M	-2.96M	441.00K
Capital Expenditure	-814.00K	-320.00K	-349.00K	-799.00K	-650.00K	-1.46M	-1.22M	-596.00K	-1.45M	-1.31M	-1.04M	-359.00K	-	-876.00K	-995.00K	-2.32M	-605.00K
Free Cash Flow	3.22M	-2.38M	12.72M	11.59M	-	-	-	18.42M	1.61M	19.93M	8.07M	14.45M	-	23.90M	11.61M	11.92M	21.03M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-166.06M	3.94M	-6.83M	707.00K
Share Buybacks	12.00K	0	0	-	-	-	-	-	-	-	-	2.35M	-	1.24M	75.00K	338.00K	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	18.8%	21.6%	21.5%	26.6%
ROE %	6.1%	3.8%	7.6%	10.1%	7.4%	11.2%	13.0%	10.5%	5.0%	11.3%	9.8%	15.4%	-	8.9%	9.6%	9.5%	11.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

16.25%

Institutions

40.90%

Public Float

48.84%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Manufacturers Life Insurance Co.	4.96%	302.44K	$8.60M
2	Blackrock Inc.	4.24%	258.30K	$7.34M
3	Vanguard Capital Management LLC	3.49%	212.68K	$6.04M
4	Dimensional Fund Advisors LP	3.10%	188.94K	$5.37M
5	Kornitzer Capital Management Inc /ks	1.89%	115.45K	$3.28M
6	Geode Capital Management, LLC	1.80%	110.00K	$3.13M
7	Renaissance Technologies, LLC	1.08%	66.05K	$1.88M
8	Trust Co	1.00%	60.81K	$1.73M
9	De Lisle Partners LLP	0.92%	56.04K	$1.59M
10	Bridgeway Capital Management, LLC	0.83%	50.63K	$1.44M

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