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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.38
LARK's Cash to Debt is ranked lower than
73% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. LARK: 0.38 )
Ranked among companies with meaningful Cash to Debt only.
LARK' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.15 Max: No Debt
Current: 0.38
Equity to Asset 0.09
LARK's Equity to Asset is ranked lower than
59% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. LARK: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
LARK' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.19
Current: 0.09
0.08
0.19
Interest Coverage 3.48
LARK's Interest Coverage is ranked higher than
71% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. LARK: 3.48 )
Ranked among companies with meaningful Interest Coverage only.
LARK' s 10-Year Interest Coverage Range
Min: 0.23  Med: 0.44 Max: 3.48
Current: 3.48
0.23
3.48
F-Score: 5
WACC vs ROIC
4.29%
7.56%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 31.43
LARK's Operating margin (%) is ranked higher than
55% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. LARK: 31.43 )
Ranked among companies with meaningful Operating margin (%) only.
LARK' s 10-Year Operating margin (%) Range
Min: -145.93  Med: 30.49 Max: 50.63
Current: 31.43
-145.93
50.63
Net-margin (%) 22.50
LARK's Net-margin (%) is ranked higher than
54% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. LARK: 22.50 )
Ranked among companies with meaningful Net-margin (%) only.
LARK' s 10-Year Net-margin (%) Range
Min: 7.51  Med: 22.89 Max: 84.08
Current: 22.5
7.51
84.08
ROE (%) 12.99
LARK's ROE (%) is ranked higher than
78% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. LARK: 12.99 )
Ranked among companies with meaningful ROE (%) only.
LARK' s 10-Year ROE (%) Range
Min: 3.79  Med: 10.01 Max: 13.63
Current: 12.99
3.79
13.63
ROA (%) 1.07
LARK's ROA (%) is ranked higher than
69% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. LARK: 1.07 )
Ranked among companies with meaningful ROA (%) only.
LARK' s 10-Year ROA (%) Range
Min: 0.36  Med: 0.96 Max: 1.69
Current: 1.07
0.36
1.69
ROC (Joel Greenblatt) (%) 60.82
LARK's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. LARK: 60.82 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
LARK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -94.06  Med: 34.63 Max: 488.89
Current: 60.82
-94.06
488.89
Revenue Growth (3Y)(%) 12.10
LARK's Revenue Growth (3Y)(%) is ranked higher than
82% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. LARK: 12.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LARK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 9.40 Max: 62.2
Current: 12.1
0
62.2
EBITDA Growth (3Y)(%) 24.50
LARK's EBITDA Growth (3Y)(%) is ranked higher than
84% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. LARK: 24.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LARK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 9.20 Max: 34.8
Current: 24.5
0
34.8
EPS Growth (3Y)(%) 19.60
LARK's EPS Growth (3Y)(%) is ranked higher than
72% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. LARK: 19.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LARK' s 10-Year EPS Growth (3Y)(%) Range
Min: -24.5  Med: 8.20 Max: 36.5
Current: 19.6
-24.5
36.5
» LARK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

LARK Guru Trades in Q2 2014

Kahn Brothers 70,486 sh (-2.60%)
» More
Q3 2014

LARK Guru Trades in Q3 2014

Jim Simons 10,027 sh (New)
Kahn Brothers 68,606 sh (-2.67%)
» More
Q4 2014

LARK Guru Trades in Q4 2014

Jim Simons 11,680 sh (+10.94%)
Kahn Brothers 50,502 sh (-29.89%)
» More
Q1 2015

LARK Guru Trades in Q1 2015

Jim Simons 22,680 sh (+94.18%)
Kahn Brothers 33,624 sh (-33.42%)
» More
» Details

Insider Trades

Latest Guru Trades with LARK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.02
LARK's P/E(ttm) is ranked higher than
81% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. LARK: 9.02 )
Ranked among companies with meaningful P/E(ttm) only.
LARK' s 10-Year P/E(ttm) Range
Min: 7.19  Med: 11.52 Max: 32.33
Current: 9.02
7.19
32.33
Forward P/E 8.38
LARK's Forward P/E is ranked higher than
82% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. LARK: 8.38 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 8.90
LARK's PE(NRI) is ranked higher than
81% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. LARK: 8.90 )
Ranked among companies with meaningful PE(NRI) only.
LARK' s 10-Year PE(NRI) Range
Min: 7.14  Med: 11.52 Max: 32.33
Current: 8.9
7.14
32.33
P/B 1.08
LARK's P/B is ranked higher than
55% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. LARK: 1.08 )
Ranked among companies with meaningful P/B only.
LARK' s 10-Year P/B Range
Min: 0.62  Med: 0.95 Max: 1.53
Current: 1.08
0.62
1.53
P/S 2.03
LARK's P/S is ranked higher than
74% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. LARK: 2.03 )
Ranked among companies with meaningful P/S only.
LARK' s 10-Year P/S Range
Min: 1.26  Med: 1.99 Max: 24.41
Current: 2.03
1.26
24.41
PFCF 14.28
LARK's PFCF is ranked lower than
60% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. LARK: 14.28 )
Ranked among companies with meaningful PFCF only.
LARK' s 10-Year PFCF Range
Min: 3.55  Med: 11.25 Max: 939.05
Current: 14.28
3.55
939.05
POCF 12.07
LARK's POCF is ranked lower than
59% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. LARK: 12.07 )
Ranked among companies with meaningful POCF only.
LARK' s 10-Year POCF Range
Min: 2.08  Med: 8.32 Max: 73.88
Current: 12.07
2.08
73.88
EV-to-EBIT 9.38
LARK's EV-to-EBIT is ranked higher than
75% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. LARK: 9.38 )
Ranked among companies with meaningful EV-to-EBIT only.
LARK' s 10-Year EV-to-EBIT Range
Min: -12.6  Med: 20.10 Max: 104.4
Current: 9.38
-12.6
104.4
PEG 0.44
LARK's PEG is ranked higher than
84% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. LARK: 0.44 )
Ranked among companies with meaningful PEG only.
LARK' s 10-Year PEG Range
Min: 0.29  Med: 0.56 Max: 12.59
Current: 0.44
0.29
12.59
Shiller P/E 15.17
LARK's Shiller P/E is ranked higher than
62% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. LARK: 15.17 )
Ranked among companies with meaningful Shiller P/E only.
LARK' s 10-Year Shiller P/E Range
Min: 7  Med: 13.00 Max: 17.42
Current: 15.17
7
17.42
Days Sales Outstanding 93.22
LARK's Days Sales Outstanding is ranked lower than
75% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. LARK: 93.22 )
Ranked among companies with meaningful Days Sales Outstanding only.
LARK' s 10-Year Days Sales Outstanding Range
Min: 62.32  Med: 109.97 Max: 188.16
Current: 93.22
62.32
188.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.06
LARK's Dividend Yield is ranked higher than
62% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. LARK: 3.06 )
Ranked among companies with meaningful Dividend Yield only.
LARK' s 10-Year Dividend Yield Range
Min: 1.98  Med: 3.48 Max: 5.18
Current: 3.06
1.98
5.18
Dividend Payout 0.27
LARK's Dividend Payout is ranked higher than
92% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. LARK: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
LARK' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.32 Max: 3.46
Current: 0.27
0.13
3.46
Dividend growth (3y) 5.00
LARK's Dividend growth (3y) is ranked lower than
57% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. LARK: 5.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
LARK' s 10-Year Dividend growth (3y) Range
Min: -1  Med: 7.90 Max: 26.2
Current: 5
-1
26.2
Yield on cost (5-Year) 4.06
LARK's Yield on cost (5-Year) is ranked higher than
69% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. LARK: 4.06 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LARK' s 10-Year Yield on cost (5-Year) Range
Min: 2.62  Med: 4.61 Max: 6.87
Current: 4.06
2.62
6.87
Share Buyback Rate -1.70
LARK's Share Buyback Rate is ranked lower than
51% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. LARK: -1.70 )
Ranked among companies with meaningful Share Buyback Rate only.
LARK' s 10-Year Share Buyback Rate Range
Min: 12.6  Med: 0.10 Max: -15.5
Current: -1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.52
LARK's Price/Tangible Book is ranked lower than
66% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. LARK: 1.52 )
Ranked among companies with meaningful Price/Tangible Book only.
LARK' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 1.23 Max: 2.25
Current: 1.52
0.58
2.25
Price/Projected FCF 0.67
LARK's Price/Projected FCF is ranked higher than
53% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. LARK: 0.67 )
Ranked among companies with meaningful Price/Projected FCF only.
LARK' s 10-Year Price/Projected FCF Range
Min: 0.16  Med: 0.74 Max: 1.4
Current: 0.67
0.16
1.4
Price/Median PS Value 1.02
LARK's Price/Median PS Value is ranked higher than
67% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. LARK: 1.02 )
Ranked among companies with meaningful Price/Median PS Value only.
LARK' s 10-Year Price/Median PS Value Range
Min: 0.67  Med: 1.46 Max: 11.85
Current: 1.02
0.67
11.85
Price/Peter Lynch Fair Value 0.36
LARK's Price/Peter Lynch Fair Value is ranked higher than
92% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. LARK: 0.36 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
LARK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.27  Med: 0.78 Max: 3.3
Current: 0.36
0.27
3.3
Price/Graham Number 0.77
LARK's Price/Graham Number is ranked higher than
65% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. LARK: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
LARK' s 10-Year Price/Graham Number Range
Min: 0.46  Med: 0.82 Max: 1.36
Current: 0.77
0.46
1.36
Earnings Yield (Greenblatt) (%) 10.60
LARK's Earnings Yield (Greenblatt) (%) is ranked higher than
77% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. LARK: 10.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LARK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1  Med: 4.80 Max: 10.65
Current: 10.6
1
10.65
Forward Rate of Return (Yacktman) (%) 38.25
LARK's Forward Rate of Return (Yacktman) (%) is ranked higher than
85% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. LARK: 38.25 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LARK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -21.4  Med: 5.70 Max: 38.4
Current: 38.25
-21.4
38.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:LDKB.USA,
Landmark Bancorp Inc a Delaware corporation was incorporated in 2001. It is a bank holding for Landmark National Bank. The Bank is into the business of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to originate one-to-four family residential real estate, construction and land, commercial real estate, commercial, agriculture, municipal and consumer loans. It also invests in certain investment and mortgage-related securities using deposits and other borrowings as funding sources. The Banks primary deposit gathering and lending markets are geographically diversified with locations in eastern, central, and western Kansas. The Bank targets owner-operated businesses and utilizes Small Business Administration lending as a part of its product mix. The Banks lending activities include One-to-Four Family Residential Real Estate Lending, Construction and Land Lending, Commercial Real Estate Lending, Commercial Lending, Municipal Lending, Agriculture Lending and Consumer and Other Lending. The Bank originates one-to-four family residential real estate loans with both fixed and variable rates. Loans in the category of Construction and Land Lending include loans to facilitate the development of both residential and commercial real estate. Commercial real estate loans, including multi-family loans, represent the largest class of loans of the Bank. Commercial and multi-family real estate loans generally have amortization periods of 15 or 20 years. Loans in the category of Commercial Lending include loans to service, retail, wholesale and light manufacturing businesses. Loans to municipalities are generally related to equipment leasing or general fund loans. Terms are generally limited to 5 years. Agricultural real estate loans generally have amortization periods of 20 years or less, during which time the Bank generally retains a security interest in the borrowers real estate. The Bank also provides short-term credit for operating loans and intermediate-term loans for farm product, livestock and machinery purchases and other agricultural improvements. Loans classified as consumer and other loans include automobile, boat, home improvement and home equity loans. As a bank holding company, the Company is subject to regulation by the Board of Governors of the Federal Reserve System (the Federal Reserve).
» More Articles for LARK

Headlines

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More From Other Websites
LANDMARK BANCORP INC Financials May 22 2015
LANDMARK BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 21 2015
LANDMARK BANCORP INC Files SEC form 10-Q, Quarterly Report May 14 2015
Landmark Bancorp, Inc. Announces Record Results for the First Quarter of 2015 Apr 29 2015
Nasdaq stocks posting largest volume increases Apr 29 2015
LANDMARK BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Apr 29 2015
Landmark Bancorp, Inc. Announces Conference Call to Discuss First Quarter 2015 Earnings Apr 16 2015
LANDMARK BANCORP INC Files SEC form 8-K, Regulation FD Disclosure Apr 16 2015
LANDMARK BANCORP INC Files SEC form 10-K, Annual Report Mar 19 2015
LANDMARK BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Feb 02 2015
LANDMARK BANCORP INC Files SEC form 8-K, Regulation FD Disclosure Jan 16 2015
LANDMARK BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 10 2014
Landmark Bancorp, Inc. Announces Record Results for the Third Quarter of 2014 Oct 28 2014
LANDMARK BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Oct 28 2014
LANDMARK BANCORP INC Files SEC form 8-K, Regulation FD Disclosure Oct 17 2014
LANDMARK BANCORP INC Files SEC form 8-K, Changes in Registrant's Certifying Accountant Oct 02 2014
LANDMARK BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 08 2014
LANDMARK BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Jul 22 2014
LANDMARK BANCORP INC Files SEC form 8-K, Regulation FD Disclosure Jul 16 2014

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