Landmark Bancorp, Inc.(LARK)Earnings, Financials & Key Ratios

LARK•NASDAQ•Banking & Credit

9.6× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

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%

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 2.7%
✓Trading near 52-week high
✓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.

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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

Full history →

Q2 2026Latest

Apr 29, 2026

Metric

Actual

Est

EPS

$0.83

—

Rev

$24M

—

Q1 2026

Jan 28, 2026

Metric

Actual

Est

EPS

$0.77

—

Rev

$25M

—

Q4 2025

Oct 29, 2025

Metric

Actual

Est

EPS

$0.81

—

Rev

—

Q3 2025

Jul 24, 2025

Metric

Actual

Est

EPS

$0.71

—

Rev

$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 →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
CZWICitizens Community Bancorp, Inc.Direct Competitor	205.47M	21.34	14.62	-9.41%	16.01%	7.81%	0.28
KRNYKearny Financial Corp.Direct Competitor	532.62M	8.47	20.17	5.09%	9.41%	4.31%	1.68
NECBNortheast Community Bancorp, Inc.Direct Competitor	356.09M	25.74	7.92	-1.55%	28.41%	13.07%	0.21
FBIZFirst Business Financial Services, Inc.Product Competitor	503.41M	60.34	9.96	6.43%	18.74%	14.12%	0.70
IROQIF Bancorp, Inc.Product Competitor	88.98M	26.55	19.38	6.61%	10.82%	6.22%	0.89
CFFNCapitol Federal Financial, Inc.Product Competitor	1.05B	8.08	15.54	10.03%	17.07%	6.99%	1.86
SBCFSeacoast Banking Corporation of FloridaProduct Competitor	3.01B	30.84	19.52	7.49%	16.13%	5.83%	0.44
FHNFirst Horizon CorporationSupply Chain	12.31B	24.81	13.20	0.97%	19.99%	10.71%	0.50

Compare LARK vs Peers

Landmark Bancorp, Inc. (LARK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for LARK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare LARK against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, KRNY, NECB, FBIZ

LARK Income Statement

Landmark Bancorp, Inc. (LARK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	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

Metric	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

Metric	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)

8-K Announcements

Material company update

Apr 29, 2026·SEC

Material company update

Feb 27, 2026·SEC

Material company update

Feb 4, 2026·SEC

10-K Annual Reports

FY 2026

Apr 14, 2026·SEC

FY 2025

Mar 25, 2025·SEC

FY 2024

Mar 27, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 13, 2025·SEC

FY 2025

Aug 13, 2025·SEC

FY 2025

May 14, 2025·SEC

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 2.70%. 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.

What if you invested $1,000 in LARK back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in LARK be worth today?

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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

Metric

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

3.3M

500K

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

Metric

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

Accounts Receivables

13.04M

13.31M

11.39M

14M

13.46M

26.09M

28.99M

Goodwill & Intangibles

21.19M

20.62M

20.36M

21.46M

21.81M

40.02M

38.78M

38.02M

34.37M

Goodwill

17.53M

32.2M

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

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

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

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

12.71M

13.81M

1.5M

Other Liabilities

-7.4M

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

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%

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

-75K

Preferred Stock

Metric

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

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

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

-572K

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

-7K

-36K

-2.35M

-1.24M

-75K

-338K

Stock Issued

228K

36K

Net Stock Activity

228K

-2.35M

-1.24M

-75K

-338K

Debt Issuance (Net)

-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

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

6.79M

1.55M

4.03M

19.85M

28.32M

25.29M

Income Taxes Paid

850K

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%

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%

10.27%

9.88%

12.65%

Return on Assets (ROA)

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%

Landmark Bancorp, Inc.(LARK)Earnings, Financials & Key Ratios

LARK Key Insights

✓Strengths

✗Weaknesses

LARK Price & Volume

LARK Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

LARK Recent Earnings

LARK Peer Comparison

Compare LARK vs Peers

vs CZWI

vs ICE

Compare Top 5

LARK Income Statement

LARK Balance Sheet

LARK Cash Flow Statement

LARK Banking Ratios

LARK SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

LARK Frequently Asked Questions

Landmark Bancorp, Inc.(LARK)Earnings, Financials & Key Ratios

LARK Key Insights

✓Strengths

✗Weaknesses

LARK Price & Volume

LARK Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

LARK Recent Earnings

LARK Peer Comparison

Compare LARK vs Peers

vs CZWI

vs ICE

Compare Top 5

LARK Income Statement

LARK Balance Sheet

LARK Cash Flow Statement

LARK Banking Ratios

LARK SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

LARK Frequently Asked Questions