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Apr 29, 2026·SEC
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Landmark Bancorp, Inc.(LARK)Earnings, Financials & Key Ratios
LARK•NASDAQ•Banking & Credit
$28.02
$171M mkt cap·9.1× P/E·Price updated May 7, 2026
AboutLandmark 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.Show more
- Net Interest Income$56M+21.8%
- Total Revenue$96M+8.3%
- Net Income$19M+44.4%
- Return on Equity12.65%+28.0%
- Net Interest Margin3.47%+19.3%
- Efficiency Ratio47.13%-5.2%
- ROA1.18%+42.3%
- Equity / Assets10%+15.5%
- Book Value per Share26.25+11.1%
- Tangible BV/Share20.64+21.1%
- Debt/Equity0.21-67.7%
LARK Key Insights
Landmark Bancorp, Inc. (LARK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 47.1% efficiency ratio
- ✓Healthy dividend yield of 2.8%
- ✓Trading at only 1.1x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
LARK Price & Volume
Landmark Bancorp, Inc. (LARK) stock price & volume — 10-year historical chart
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LARK Growth Metrics
Landmark Bancorp, Inc. (LARK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.63%
5 Years7.58%
3 Years19.02%
TTM-
Profit CAGR
10 Years5.98%
5 Years-0.75%
3 Years23.87%
TTM44.39%
EPS CAGR
10 Years5.03%
5 Years-1.85%
3 Years21.54%
TTM41.33%
Return on Capital
10 Years8.21%
5 Years7.55%
3 Years5.36%
Last Year3.13%
LARK Recent Earnings
Landmark Bancorp, Inc. (LARK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 29, 2026EPS
$0.83
Revenue
$24M
Q1 2026
Jan 28, 2026EPS
$0.77
Revenue
$25M
Q4 2025
Oct 29, 2025EPS
$0.81
Revenue
—
Q3 2025
Jul 24, 2025EPS
$0.71
Revenue
$24M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.83 | $24M |
| Q1 2026 | Jan 28, 2026 | $0.77 | $25M |
| Q4 2025 | Oct 29, 2025 | $0.81 | — |
| Q3 2025 | Jul 24, 2025 | $0.71 | $24M |
Based on last 12 quarters of dataView full earnings history →
LARK Peer Comparison
Landmark Bancorp, Inc. (LARK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 202.97M | 21.08 | 14.44 | -9.41% | 7.81% | 0.28 | ||
 KRNY | 508.09M | 8.08 | 19.24 | 5.09% | 4.31% | 1.68 | ||
 NECB | 339.07M | 24.51 | 7.54 | -1.55% | 13.07% | 0.21 | ||
 FBIZ | 473.21M | 56.72 | 9.36 | 6.43% | 14.12% | 0.70 | ||
 IROQ | 88.98M | 26.55 | 19.38 | 6.61% | 5.99% | 0.89 | ||
 CFFN | 1.02B | 7.82 | 15.04 | 10.03% | 6.99% | 1.86 | ||
 SBCF | 3.03B | 31.04 | 19.65 | 7.49% | 5.83% | 0.44 | ||
 FHN | 11.87B | 24.47 | 13.02 | 0.97% | 10.74% | 0.50 |
Compare LARK vs Peers
Landmark Bancorp, Inc. (LARK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LARK Income Statement
Landmark Bancorp, Inc. (LARK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 26.11M | 27.79M | 30.35M | 36.48M | 38.32M | 38.88M | 43.29M | 45.72M | 55.69M |
| NII Growth % | 0.29% | 6.41% | 9.23% | 20.2% | 5.03% | 1.46% | 11.35% | 5.62% | 21.79% |
| Net Interest Margin % | 2.81% | 2.82% | 3.04% | 3.07% | 2.88% | 2.59% | 2.77% | 2.9% | 3.47% |
| Interest Income | 29.7M | 33.15M | 37.11M | 39.25M | 39.83M | 43.23M | 64.68M | 73.9M | 81.02M |
| Interest Expense | 3.58M | 5.37M | 6.76M | 2.77M | 1.51M | 4.35M | 21.39M | 28.18M | 25.33M |
| Loan Loss Provision | 450K | 1.4M | 1.4M | 3.3M | 500K | 0 | 349K | 2.3M | 2.35M |
| Non-Interest Income | 7.2M | 15.57M | 15.81M | 27.36M | 22.26M | 13.7M | 13.23M | 14.74M | 14.95M |
| Non-Interest Income % | 19.52% | 31.96% | 29.87% | 41.07% | 35.85% | 24.07% | 16.98% | 16.63% | 15.58% |
| Total Revenue | 36.9M▲ 0% | 48.72M▲ 32.0% | 52.92M▲ 8.6% | 66.61M▲ 25.9% | 62.09M▼ 6.8% | 56.93M▼ 8.3% | 77.91M▲ 36.9% | 88.64M▲ 13.8% | 95.97M▲ 8.3% |
| Revenue Growth % | -16.28% | 32.04% | 8.61% | 25.87% | -6.79% | -8.31% | 36.87% | 13.77% | 8.26% |
| Non-Interest Expense | 29.39M | 30.36M | 32.65M | 36.26M | 37.26M | 41.27M | 41.98M | 44.08M | 45.23M |
| Efficiency Ratio | 79.66% | 62.32% | 61.69% | 54.44% | 60.01% | 72.5% | 53.88% | 49.73% | 47.13% |
| Operating Income | 3.47M▲ 0% | 11.59M▲ 233.9% | 12.12M▲ 4.5% | 24.28M▲ 100.4% | 22.82M▼ 6.0% | 11.31M▼ 50.4% | 14.19M▲ 25.5% | 14.09M▼ 0.7% | 23.05M▲ 63.6% |
| Operating Margin % | 9.41% | 23.8% | 22.89% | 36.45% | 36.76% | 19.87% | 18.21% | 15.89% | 24.02% |
| Operating Income Growth % | -69.21% | 233.93% | 4.49% | 100.41% | -5.99% | -50.45% | 25.46% | -0.71% | 63.62% |
| Pretax Income | 3.47M▲ 0% | 11.59M▲ 233.9% | 12.12M▲ 4.5% | 24.28M▲ 100.4% | 22.82M▼ 6.0% | 11.31M▼ 50.4% | 14.19M▲ 25.5% | 14.09M▼ 0.7% | 23.05M▲ 63.6% |
| Pretax Margin % | 9.41% | 23.8% | 22.89% | 36.45% | 36.76% | 19.87% | 18.21% | 15.89% | 24.02% |
| Income Tax | -897K | 1.17M | 1.45M | 4.79M | 4.81M | 1.43M | 1.95M | 1.09M | 4.28M |
| Effective Tax Rate % | -25.84% | 10.07% | 11.99% | 19.72% | 21.09% | 12.66% | 13.77% | 7.71% | 18.56% |
| Net Income | 4.37M▲ 0% | 10.43M▲ 138.6% | 10.66M▲ 2.3% | 19.49M▲ 82.8% | 18.01M▼ 7.6% | 9.88M▼ 45.2% | 12.24M▲ 23.9% | 13M▲ 6.3% | 18.77M▲ 44.4% |
| Net Margin % | 11.84% | 21.4% | 20.15% | 29.26% | 29.01% | 17.35% | 15.7% | 14.67% | 19.56% |
| Net Income Growth % | -51.24% | 138.64% | 2.26% | 82.83% | -7.6% | -45.16% | 23.87% | 6.27% | 44.39% |
| Net Income (Continuing) | 4.37M | 10.43M | 10.66M | 19.49M | 18.01M | 9.88M | 12.24M | 13M | 18.77M |
| EPS (Diluted) | 0.75▲ 0% | 1.78▲ 137.3% | 1.81▲ 1.7% | 3.37▲ 86.2% | 3.11▼ 7.7% | 1.71▼ 45.0% | 2.12▲ 24.0% | 2.26▲ 6.6% | 3.07▲ 35.8% |
| EPS Growth % | -51.92% | 137.33% | 1.69% | 86.19% | -7.72% | -45.02% | 23.98% | 6.6% | 35.84% |
| EPS (Basic) | 0.76 | 1.79 | 1.82 | 3.37 | 3.12 | 1.71 | 2.12 | 2.26 | 3.09 |
| Diluted Shares Outstanding | 5.82M | 5.85M | 5.88M | 5.78M | 5.8M | 5.78M | 5.75M | 5.76M | 6.12M |
LARK Balance Sheet
Landmark Bancorp, Inc. (LARK) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 404.57M | 407.46M | 376.69M | 382.09M | 577.31M | 521.55M | 484.79M | 59.65M | 369.14M |
| Cash & Due from Banks | 16.58M | 19.11M | 13.69M | 90.28M | 196.59M | 32.24M | 32.02M | 24.39M | 20.98M |
| Short Term Investments | 387.98M | 388.35M | 363M | 291.81M | 380.72M | 489.31M | 452.77M | 35.27M | 348.16M |
| Total Investments | 833.68M | 887.24M | 906.78M | 1.01B | 1.04B | 1.34B | 1.4B | 1.43B | 348.16M |
| Investments Growth % | 2.06% | 6.42% | 2.2% | 11.89% | 2.67% | 28.83% | 4.54% | 1.61% | -75.58% |
| Long-Term Investments | 445.7M | 498.89M | 543.79M | 722.79M | 660.93M | 852.63M | 950.15M | 1.39B | 0 |
| Accounts Receivables | 13.04M | 13.31M | 11.39M | 14M | 13.46M | 26.09M | 28.99M | 0 | 0 |
| Goodwill & Intangibles | 21.19M | 20.62M | 20.36M | 21.46M | 21.81M | 40.02M | 38.78M | 38.02M | 34.37M |
| Goodwill | 17.53M | 17.53M | 17.53M | 17.53M | 17.53M | 32.2M | 32.38M | 32.38M | 32.38M |
| Intangible Assets | 3.66M | 3.09M | 2.83M | 3.93M | 4.28M | 7.82M | 6.4M | 5.64M | 1.99M |
| PP&E (Net) | 20.82M | 21.13M | 21.13M | 20.49M | 20.8M | 24.33M | 19.71M | 20.22M | 19.32M |
| Other Assets | 24.13M | 24.38M | 25.1M | 27.19M | 34.66M | 38.26M | 39.26M | 66.08M | 0 |
| Total Current Assets | 417.6M | 420.76M | 388.09M | 396.09M | 590.77M | 547.63M | 513.78M | 59.65M | 369.14M |
| Total Non-Current Assets | 511.85M | 565.02M | 610.38M | 791.94M | 738.2M | 955.23M | 1.05B | 1.51B | 53.69M |
| Total Assets | 929.45M▲ 0% | 985.78M▲ 6.1% | 998.47M▲ 1.3% | 1.19B▲ 19.0% | 1.33B▲ 11.9% | 1.5B▲ 13.1% | 1.56B▲ 3.9% | 1.57B▲ 0.8% | 1.61B▲ 2.1% |
| Asset Growth % | 1.98% | 6.06% | 1.29% | 18.99% | 11.86% | 13.09% | 3.91% | 0.8% | 2.06% |
| Return on Assets (ROA) | 0.47% | 1.09% | 1.07% | 1.78% | 1.43% | 0.7% | 0.8% | 0.83% | 1.18% |
| Accounts Payable | 9.68M | 13.34M | 12.61M | 17.31M | 15.79M | 22.53M | 0 | 0 | 0 |
| Total Debt | 66.59M | 56.9M | 42.2M | 28.02M | 36.46M | 68.25M | 99.03M | 88.5M | 33.72M |
| Net Debt | 50.01M | 37.78M | 28.5M | -62.26M | -160.13M | 36.01M | 67.01M | 64.12M | 12.74M |
| Long-Term Debt | 53.08M | 41.65M | 24.65M | 21.65M | 29.05M | 68.25M | 86.31M | 74.7M | 32.22M |
| Short-Term Debt | 13.51M | 15.25M | 17.55M | 6.37M | 7.4M | 0 | 12.71M | 13.81M | 1.5M |
| Other Liabilities | 0 | 0 | 0 | 0 | -7.4M | 0 | 19.48M | 20.66M | 1.05B |
| Total Current Liabilities | 788.75M | 852.23M | 865.21M | 1.04B | 1.17B | 1.32B | 1.33B | 1.34B | 366.2M |
| Total Non-Current Liabilities | 53.08M | 41.65M | 24.65M | 21.65M | 21.65M | 68.25M | 105.79M | 95.35M | 1.08B |
| Total Liabilities | 841.83M | 893.88M | 889.86M | 1.06B | 1.19B | 1.39B | 1.43B | 1.44B | 1.45B |
| Total Equity | 87.62M▲ 0% | 91.9M▲ 4.9% | 108.61M▲ 18.2% | 126.67M▲ 16.6% | 135.64M▲ 7.1% | 111.43M▼ 17.8% | 126.91M▲ 13.9% | 136.22M▲ 7.3% | 160.63M▲ 17.9% |
| Equity Growth % | 3.14% | 4.88% | 18.18% | 16.63% | 7.08% | -17.85% | 13.89% | 7.33% | 17.92% |
| Equity / Assets (Capital Ratio) | 9.43% | 9.32% | 10.88% | 10.66% | 10.21% | 7.41% | 8.13% | 8.65% | 10% |
| Return on Equity (ROE) | 5.06% | 11.62% | 10.63% | 16.57% | 13.73% | 8% | 10.27% | 9.88% | 12.65% |
| Book Value per Share | 15.06 | 15.71 | 18.47 | 21.92 | 23.40 | 19.27 | 22.05 | 23.63 | 26.25 |
| Tangible BV per Share | 11.41 | 12.18 | 15.01 | 18.21 | 19.64 | 12.35 | 15.32 | 17.04 | 20.64 |
| Common Stock | 41K | 44K | 46K | 48K | 50K | 52K | 55K | 58K | 61K |
| Additional Paid-in Capital | 57.77M | 63.77M | 69.03M | 72.23M | 79.12M | 84.27M | 89.21M | 95.05M | 102.6M |
| Retained Earnings | 30.21M | 32.07M | 34.29M | 44.95M | 52.59M | 52.17M | 54.28M | 56.93M | 63.66M |
| Accumulated OCI | -405K | -3.99M | 5.24M | 9.45M | 3.88M | -25.07M | -16.56M | -15.83M | -5.68M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | -75K | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
LARK Cash Flow Statement
Landmark Bancorp, Inc. (LARK) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 3.06M | 21.38M | 9.11M | 14.81M | 31.16M | 24.78M | 12.6M | 14.24M | 21.63M |
| Operating CF Growth % | -83.93% | 599.71% | -57.41% | 62.62% | 110.39% | -20.47% | -49.14% | 12.95% | 51.97% |
| Net Income | 4.37M | 10.43M | 10.66M | 19.49M | 18.01M | 9.88M | 12.24M | 13M | 18.77M |
| Depreciation & Amortization | 2.29M | 2.12M | 2.22M | 2.59M | 2.6M | 2.58M | 3.11M | 2.5M | 753K |
| Deferred Taxes | 487K | 969K | -195K | -503K | 808K | -1.19M | 404K | -212K | -136K |
| Other Non-Cash Items | 115K | 3.92M | -2.26M | -8.3M | 9.54M | 3.07M | 1.15M | -1.73M | -114K |
| Working Capital Changes | -4.38M | 3.58M | -1.61M | 1.23M | -125K | 10.14M | -4.65M | 153K | 2M |
| Cash from Investing | -21.15M | -64.14M | -7.76M | -104.55M | -56.45M | -197.16M | -50.61M | -18.11M | -21.37M |
| Purchase of Investments | -84.41M | -92.47M | -59.38M | -46.39M | -175.6M | -232.41M | -42.96M | -38.3M | -52.77M |
| Sale/Maturity of Investments | 82.11M | 86.13M | 90.87M | 0 | 79.94M | 110.68M | 86.64M | 120.19M | 90.6M |
| Net Investment Activity | -2.3M | -6.34M | 31.49M | -46.39M | -95.65M | -121.73M | 43.69M | 81.89M | 37.83M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | -572K | 0 | 0 | 0 |
| Other Investing | -17.4M | -56.49M | -38.21M | -57.8M | 40.52M | -73.98M | -93.3M | -97.67M | -59.2M |
| Cash from Financing | 14.68M | 45.44M | -6.77M | 160.86M | 129.69M | 6.32M | 41.95M | -2.96M | 441K |
| Dividends Paid | -3.11M | -3.33M | -3.51M | -3.63M | -3.82M | -4.2M | -4.39M | -4.61M | -4.86M |
| Share Repurchases | 0 | -7K | -36K | -2.35M | 0 | -1.24M | -75K | -338K | 0 |
| Stock Issued | 228K | 7K | 36K | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 228K | 0 | 0 | -2.35M | 0 | -1.24M | -75K | -338K | 0 |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | 0 | 1000K | 1000K | -1000K | -1000K |
| Other Financing | 24.27M | 58.62M | 11.44M | 169.84M | 133.51M | 1.56M | -1.04M | 13.61M | 60.09M |
| Net Change in Cash | -3.41M▲ 0% | 2.53M▲ 174.2% | -5.42M▼ 314.2% | 71.12M▲ 1412.3% | 104.39M▲ 46.8% | -166.06M▼ 259.1% | 3.94M▲ 102.4% | -6.83M▼ 273.0% | 707K▲ 110.4% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 20M | 16.58M | 19.11M | 13.69M | 84.82M | 189.21M | 23.16M | 27.1M | 20.27M |
| Cash at End | 16.58M | 19.11M | 13.69M | 84.82M | 189.21M | 23.16M | 27.1M | 20.27M | 20.98M |
| Interest Paid | 3.38M | 0 | 6.79M | 3M | 1.55M | 4.03M | 19.85M | 28.32M | 25.29M |
| Income Taxes Paid | 850K | 0 | 722K | 4.13M | 4.46M | 1.1M | 55K | 834K | 3.42M |
| Free Cash Flow | 1.61M▲ 0% | 20.07M▲ 1149.2% | 8.07M▼ 59.8% | 14.45M▲ 79.1% | 29.84M▲ 106.5% | 23.9M▼ 19.9% | 11.61M▼ 51.4% | 11.92M▲ 2.6% | 21.03M▲ 76.5% |
| FCF Growth % | -91.28% | 1149.22% | -59.81% | 79.09% | 106.46% | -19.88% | -51.43% | 2.64% | 76.48% |
LARK Banking Ratios
Landmark Bancorp, Inc. (LARK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.83% | 5.06% | 11.62% | 10.63% | 16.57% | 13.73% | 8% | 10.27% | 9.88% | 12.65% |
| Return on Assets (ROA) | 1% | 0.47% | 1.09% | 1.07% | 1.78% | 1.43% | 0.7% | 0.8% | 0.83% | 1.18% |
| Net Interest Margin | 2.86% | 2.81% | 2.82% | 3.04% | 3.07% | 2.88% | 2.59% | 2.77% | 2.9% | 3.47% |
| Efficiency Ratio | 66.05% | 79.66% | 62.32% | 61.69% | 54.44% | 60.01% | 72.5% | 53.88% | 49.73% | 47.13% |
| Equity / Assets | 9.32% | 9.43% | 9.32% | 10.88% | 10.66% | 10.21% | 7.41% | 8.13% | 8.65% | 10% |
| Book Value / Share | 14.85 | 15.06 | 15.71 | 18.47 | 21.92 | 23.4 | 19.27 | 22.05 | 23.63 | 26.25 |
| NII Growth | 0.47% | 0.29% | 6.41% | 9.23% | 20.2% | 5.03% | 1.46% | 11.35% | 5.62% | 21.79% |
| Dividend Payout | 32.5% | 71.14% | 31.89% | 32.9% | 18.64% | 21.2% | 42.5% | 35.88% | 35.47% | 25.89% |
LARK SEC Filings & Documents
Landmark Bancorp, Inc. (LARK) SEC filings — annual & quarterly reports (10-K, 10-Q)
LARK Frequently Asked Questions
Landmark Bancorp, Inc. (LARK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Landmark Bancorp, Inc. (LARK) grew revenue by 8.3% over the past year. This is steady growth.
Yes, Landmark Bancorp, Inc. (LARK) is profitable, generating $18.8M in net income for fiscal year 2025 (19.6% net margin).
Dividend & Returns
Yes, Landmark Bancorp, Inc. (LARK) pays a dividend with a yield of 2.84%. This makes it attractive for income-focused investors.
Landmark Bancorp, Inc. (LARK) has a return on equity (ROE) of 12.6%. This is reasonable for most industries.
Industry Metrics
Landmark Bancorp, Inc. (LARK) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
Landmark Bancorp, Inc. (LARK) has an efficiency ratio of 47.1%. This is excellent, indicating strong cost control.
Explore More LARK
Landmark Bancorp, Inc. (LARK) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
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Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates