Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Landmark Bancorp, Inc.'s quarterly P/E stands at 8.5x, down 19.3% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 57.1% YoY to 7.3x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.55 | 8.50 | 7.85 | 8.81 | 8.41 | 10.53 | 7.07 | 8.79 | 9.56 | 10.24 | 8.26 | 8.52 | 8.08 |
| — | -19.3% | +11.0% | +0.2% | -12.1% | +2.8% | -14.4% | +3.2% | +18.4% | -58.1% | -35.7% | -17.5% | -23.3% | |
| P/S Ratio | 1.86 | 1.62 | 1.57 | 1.63 | 1.74 | 1.56 | 1.19 | 1.20 | 1.25 | 1.37 | 1.16 | 1.45 | 1.49 |
| — | +4.2% | +31.6% | +35.6% | +39.8% | +13.3% | +2.6% | -17.0% | -16.4% | -20.8% | -48.6% | -39.6% | -43.4% | |
| P/B Ratio | 1.12 | 1.00 | 1.00 | 1.04 | 1.11 | 1.02 | 0.79 | 0.82 | 0.83 | 0.85 | 0.87 | 0.97 | 0.92 |
| — | -2.1% | +25.8% | +27.0% | +33.3% | +19.4% | -8.4% | -15.4% | -9.1% | -19.5% | -28.3% | -10.3% | -14.3% | |
| P/FCF | 8.50 | 14.96 | 3.72 | 109.06 | 4.97 | — | 3.55 | 6.99 | 17.09 | 35.73 | 4.01 | 16.81 | 8.35 |
| — | — | +4.9% | +1459.4% | -70.9% | — | -11.4% | -58.4% | +104.6% | +1115.3% | +9.8% | +53.6% | -44.5% | |
| EV / EBITDA | 8.31 | 7.31 | 9.13 | 13.07 | 8.33 | 17.02 | 9.67 | 14.23 | 12.19 | 13.30 | 10.49 | 10.60 | 8.50 |
| — | -57.1% | -5.6% | -8.2% | -31.6% | +28.0% | -7.8% | +34.2% | +43.5% | -47.4% | -17.0% | +57.0% | +216.0% | |
| EV / EBIT | 8.31 | 7.31 | 9.98 | 14.42 | 9.15 | 21.19 | 10.87 | 16.54 | 14.86 | 17.35 | 12.83 | 12.64 | 10.11 |
| — | -65.5% | -8.2% | -12.8% | -38.4% | +22.1% | -15.3% | +30.8% | +47.0% | -66.4% | -15.0% | +60.3% | +225.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Landmark Bancorp, Inc.'s operating margin was 24.0% in Q4 2025, down 0.5 pp QoQ and up 13.2 pp YoY. Gross margin expanded 15.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 71.2% | 73.5% | 69.8% | 68.7% | 72.6% | 63.9% | 66.0% | 67.1% | 65.5% | 66.3% | 69.8% | 73.3% | 79.6% |
| — | +15.0% | +5.8% | +2.5% | +10.8% | -3.6% | -5.5% | -8.5% | -17.8% | -23.1% | -21.0% | -23.6% | -21.5% | |
| Operating Margin | 24.0% | 24.0% | 24.4% | 22.5% | 25.2% | 10.7% | 20.6% | 16.4% | 15.6% | 12.8% | 17.4% | 20.7% | 22.4% |
| — | +123.3% | +18.5% | +37.2% | +61.5% | -16.2% | +18.8% | -20.5% | -30.4% | +192.8% | -18.9% | -25.5% | -27.4% | |
| Net Margin | 19.6% | 19.2% | 19.9% | 18.6% | 20.7% | 14.7% | 16.9% | 13.8% | 13.1% | 13.4% | 14.1% | 17.1% | 18.6% |
| — | +30.3% | +17.7% | +35.0% | +57.6% | +10.0% | +20.0% | -19.6% | -29.3% | +88.1% | -20.5% | -25.4% | -25.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.6% | 3.0% | 3.2% | 3.0% | 3.4% | 2.4% | 2.9% | 2.4% | 2.2% | 2.2% | 2.5% | 2.9% | 2.9% |
| — | +26.0% | +10.5% | +28.1% | +53.9% | +6.6% | +15.7% | -17.4% | -25.2% | +99.7% | +13.0% | +13.6% | +21.2% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +40.6% | +20.9% | +42.1% | +67.2% | +23.6% | +35.3% | -11.9% | -19.6% | +99.5% | -1.5% | -5.9% | -6.6% | |
| ROIC | 8.3% | 1.9% | 1.5% | 1.5% | 1.9% | 0.7% | 1.3% | 1.0% | 1.1% | 0.8% | 1.1% | 1.4% | 1.6% |
| — | +160.2% | +16.4% | +42.8% | +81.6% | -12.1% | +13.4% | -25.7% | -32.5% | +198.3% | -7.9% | -25.8% | -12.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Landmark Bancorp, Inc.'s Debt/EBITDA ratio is 5.7x, down from 17.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 2168.7% YoY to 1.01x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.21 | 0.73 | 1.23 | 0.54 | 0.65 | 0.88 | 1.26 | 0.89 | 0.78 | 1.07 | 1.02 | 0.75 |
| — | -67.7% | -17.3% | -2.4% | -39.4% | -16.7% | -17.3% | +23.2% | +18.3% | +27.4% | -0.4% | +330.8% | +223.0% | |
| Debt / EBITDA | 1.46 | 5.69 | 17.14 | 30.93 | 12.22 | 29.66 | 22.85 | 38.67 | 27.87 | 30.02 | 26.90 | 24.79 | 18.31 |
| — | -80.8% | -25.0% | -20.0% | -56.2% | -1.2% | -15.1% | +56.0% | +52.2% | -32.9% | -14.0% | +281.6% | +185.3% | |
| Current Ratio | 1.01 | 1.01 | 0.05 | 0.05 | 0.04 | 0.04 | 0.34 | 0.36 | 0.37 | 0.39 | 0.39 | 0.41 | 0.42 |
| — | +2168.7% | -86.7% | -87.1% | -89.1% | -88.5% | -12.4% | -13.7% | -10.3% | -6.6% | -21.2% | -12.6% | -19.1% | |
| Quick Ratio | 1.01 | 1.01 | 0.05 | 0.05 | 0.04 | 0.04 | 0.34 | 0.36 | 0.37 | 0.39 | 0.39 | 0.41 | 0.42 |
| — | +2168.7% | -86.7% | -87.1% | -89.1% | -88.5% | -12.4% | -13.7% | -10.3% | -6.6% | -21.2% | -12.6% | -19.1% | |
| Interest Coverage | 0.91 | 0.98 | 0.91 | 0.83 | 0.92 | 0.37 | 0.65 | 0.50 | 0.47 | 0.38 | 0.58 | 0.81 | 1.12 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying LARK stock.
Landmark Bancorp, Inc.'s current P/E is 9.6x. The average P/E over the last 4 quarters is 8.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Landmark Bancorp, Inc.'s current operating margin is 24.0%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Landmark Bancorp, Inc.'s business trajectory between earnings reports.