Landmark Bancorp, Inc. (LARK) AI Stock Analysis

Landmark Bancorp, Inc. is the holding company for Landmark National Bank, established in 1885 and headquartered in Manhattan, Kansas. It provides community-focused banking solutions, including non-interest bearing demand, money market, checking, savings accounts, and certificates of deposit. Its lending activities span one-to-four family residential real estate, commercial real estate, construction and land development, agriculture, home equity, and consumer loans for items such as automobiles and boats. The bank also offers insurance products, digital banking solutions via mobile and online channels, and maintains investments in investment and mortgage-related securities.

Revenue expanded at a 5-year CAGR of 7.6% from FY2020 to FY2025, increasing from $62.1M in FY2021 to $96.0M in FY2025. Net income was $18.0M in FY2021 before falling to $9.9M in FY2022, then rising to $18.8M in FY2025 with a 19.6% net margin. Operating margin was 24.0% in FY2025 compared to 36.8% in FY2021. For the trailing twelve months, revenue was $72.4M with a profit margin of 27.8% and diluted EPS of $3.28. In the quarter ended June 30, 2026, quarterly revenue grew 14.5% year-over-year while quarterly earnings rose 22.2%.

As of June 30, 2026, Landmark Bancorp held $367.1M in cash and short-term investments alongside total debt of $106.7M, leaving a net cash position of $260.4M. Shareholders' equity was $166.9M against total assets of $1.61B, reflecting a debt-to-equity ratio of 0.64 and a current ratio of 229.57. In FY2025, the company generated $21.6M in operating cash flow and $21.0M in free cash flow. Cash outflows during FY2025 included $605,000 for capital expenditures and $4.9M paid in dividends.

At $31.51 per share, Landmark Bancorp carries a market capitalization of $192.2M and an enterprise value of $266.4M. Its trailing P/E of 9.6x and forward P/E of 8.1x sit below the median of its US-listed Financial Services peers, which trade at 12.1x trailing and 10.8x forward earnings. Price-to-sales stands at 2.7x versus the peer median of 3.2x, while price-to-book is 1.2x. Over the past year, the stock returned 32.2%, outperforming the S&P 500 (SPY) gain of 16.8%, but its 5-year return of 61.9% trailed the index return of 83.0%.

Landmark Bancorp pays a quarterly dividend with an annual forward payout of $0.84 per share, translating to a dividend yield of 2.66% and a payout ratio of 48.0%. The company has paid consecutive dividends for 33 years, achieving an annualized 5-year dividend growth rate of 4.0%. Its most recent ex-dividend date occurred on August 13, 2026.

Wall Street coverage consists of 1 Hold rating with 0 Buy and 0 Sell ratings. The mean price target is $34.50, which is 9.5% above the last close of $31.51. The consensus EPS estimate for the fiscal year ending December 31, 2026, is $3.47. For the next fiscal year, 1 analyst projects EPS of $3.48, representing 0.3% earnings growth. The company's next earnings date is scheduled for November 4, 2026.

This page is an AI-written research summary of Landmark Bancorp, Inc. (LARK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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