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Also traded in: USA

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.27
LARK's Cash-to-Debt is ranked lower than
83% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. LARK: 0.27 )
Ranked among companies with meaningful Cash-to-Debt only.
LARK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.16 Max: 0.95
Current: 0.27
0.03
0.95
Equity-to-Asset 0.09
LARK's Equity-to-Asset is ranked lower than
60% of the 1591 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.19
Current: 0.09
0.08
0.19
Interest Coverage 3.53
LARK's Interest Coverage is ranked higher than
71% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. LARK: 3.53 )
Ranked among companies with meaningful Interest Coverage only.
LARK' s Interest Coverage Range Over the Past 10 Years
Min: 0.23  Med: 1.41 Max: 4.68
Current: 3.53
0.23
4.68
Beneish M-Score: -2.31
WACC vs ROIC
5.48%
6.00%
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 : 6/10

vs
industry
vs
history
Operating Margin % 27.57
LARK's Operating Margin % is ranked lower than
61% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. LARK: 27.57 )
Ranked among companies with meaningful Operating Margin % only.
LARK' s Operating Margin % Range Over the Past 10 Years
Min: 5.25  Med: 24.45 Max: 33.59
Current: 27.57
5.25
33.59
Net Margin % 21.92
LARK's Net Margin % is ranked lower than
53% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. LARK: 21.92 )
Ranked among companies with meaningful Net Margin % only.
LARK' s Net Margin % Range Over the Past 10 Years
Min: 7.51  Med: 19.03 Max: 24.47
Current: 21.92
7.51
24.47
ROE % 10.42
LARK's ROE % is ranked higher than
64% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. LARK: 10.42 )
Ranked among companies with meaningful ROE % only.
LARK' s ROE % Range Over the Past 10 Years
Min: 3.79  Med: 9.59 Max: 13.8
Current: 10.42
3.79
13.8
ROA % 1.00
LARK's ROA % is ranked higher than
58% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. LARK: 1.00 )
Ranked among companies with meaningful ROA % only.
LARK' s ROA % Range Over the Past 10 Years
Min: 0.36  Med: 0.84 Max: 1.21
Current: 1
0.36
1.21
3-Year Revenue Growth Rate 8.80
LARK's 3-Year Revenue Growth Rate is ranked higher than
71% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. LARK: 8.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
LARK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -24.5  Med: 10.3 Max: 62
Current: 8.8
-24.5
62
3-Year EBITDA Growth Rate 22.10
LARK's 3-Year EBITDA Growth Rate is ranked higher than
83% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. LARK: 22.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
LARK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -24.8  Med: 13.45 Max: 34.9
Current: 22.1
-24.8
34.9
3-Year EPS without NRI Growth Rate 21.60
LARK's 3-Year EPS without NRI Growth Rate is ranked higher than
79% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. LARK: 21.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
LARK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -24.7  Med: 10.95 Max: 50.1
Current: 21.6
-24.7
50.1
GuruFocus has detected 7 Warning Signs with Landmark Bancorp Inc $LARK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» LARK's 10-Y Financials

Financials (Next Earnings Date: 2017-07-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

LARK Guru Trades in Q1 2016

Jim Simons 27,307 sh (+13.27%)
Kahn Brothers 15,085 sh (-47.25%)
» More
Q2 2016

LARK Guru Trades in Q2 2016

Jim Simons 28,607 sh (+4.76%)
Kahn Brothers 8,307 sh (-44.93%)
» More
Q3 2016

LARK Guru Trades in Q3 2016

Jim Simons 30,007 sh (+4.89%)
Kahn Brothers Sold Out
» More
Q4 2016

LARK Guru Trades in Q4 2016

Chuck Royce 4,810 sh (New)
Jim Simons 43,081 sh (+36.73%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:OTCPK:MNAT, NAS:AUBN, NAS:ACFC, NAS:MPB, OTCPK:FNCB, NAS:CBFV, NAS:CIZN, NAS:SBBX, NAS:OVLY, OTCPK:CABC, NAS:CBAN, NAS:PBIB, OTCPK:BKGMF, OTCPK:KTYB, OTCPK:MVBF, NAS:FSFG, NAS:MBCN, NAS:RBPAA, OTCPK:CHBH, NAS:SAL » details
Traded in other countries:LDKB.USA,
Headquarter Location:USA
Landmark Bancorp Inc is a bank holding company which through its subsidiary, Landmark National Bank, attracts deposits from the general public and uses such deposits to originate commercial real estate and municipal and consumer loans.

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).

Ratios

vs
industry
vs
history
PE Ratio 13.37
LARK's PE Ratio is ranked higher than
57% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. LARK: 13.37 )
Ranked among companies with meaningful PE Ratio only.
LARK' s PE Ratio Range Over the Past 10 Years
Min: 7.17  Med: 11.05 Max: 32.5
Current: 13.37
7.17
32.5
PE Ratio without NRI 13.37
LARK's PE Ratio without NRI is ranked higher than
57% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. LARK: 13.37 )
Ranked among companies with meaningful PE Ratio without NRI only.
LARK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.2  Med: 11.06 Max: 32.33
Current: 13.37
7.2
32.33
Price-to-Owner-Earnings 14.39
LARK's Price-to-Owner-Earnings is ranked higher than
50% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. LARK: 14.39 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
LARK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.87  Med: 13.32 Max: 93.65
Current: 14.39
2.87
93.65
PB Ratio 1.40
LARK's PB Ratio is ranked lower than
61% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. LARK: 1.40 )
Ranked among companies with meaningful PB Ratio only.
LARK' s PB Ratio Range Over the Past 10 Years
Min: 0.62  Med: 0.96 Max: 1.43
Current: 1.4
0.62
1.43
PS Ratio 2.91
LARK's PS Ratio is ranked higher than
60% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. LARK: 2.91 )
Ranked among companies with meaningful PS Ratio only.
LARK' s PS Ratio Range Over the Past 10 Years
Min: 1.26  Med: 1.99 Max: 50.31
Current: 2.91
1.26
50.31
Price-to-Free-Cash-Flow 6.45
LARK's Price-to-Free-Cash-Flow is ranked higher than
70% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. LARK: 6.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
LARK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.06  Med: 8.72 Max: 176
Current: 6.45
2.06
176
Price-to-Operating-Cash-Flow 6.28
LARK's Price-to-Operating-Cash-Flow is ranked higher than
66% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. LARK: 6.28 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
LARK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.08  Med: 8.17 Max: 41.48
Current: 6.28
2.08
41.48
EV-to-EBIT 15.24
LARK's EV-to-EBIT is ranked lower than
60% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. LARK: 15.24 )
Ranked among companies with meaningful EV-to-EBIT only.
LARK' s EV-to-EBIT Range Over the Past 10 Years
Min: -11.8  Med: 16.6 Max: 76.4
Current: 15.24
-11.8
76.4
EV-to-EBITDA 12.44
LARK's EV-to-EBITDA is ranked lower than
53% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. LARK: 12.44 )
Ranked among companies with meaningful EV-to-EBITDA only.
LARK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -11.8  Med: 12.5 Max: 70.8
Current: 12.44
-11.8
70.8
PEG Ratio 0.85
LARK's PEG Ratio is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. LARK: 0.85 )
Ranked among companies with meaningful PEG Ratio only.
LARK' s PEG Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.59 Max: 0.92
Current: 0.85
0.27
0.92
Shiller PE Ratio 18.40
LARK's Shiller PE Ratio is ranked higher than
61% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. LARK: 18.40 )
Ranked among companies with meaningful Shiller PE Ratio only.
LARK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.55  Med: 12.63 Max: 18.74
Current: 18.4
7.55
18.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.51
LARK's Dividend Yield % is ranked lower than
53% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. LARK: 2.51 )
Ranked among companies with meaningful Dividend Yield % only.
LARK' s Dividend Yield % Range Over the Past 10 Years
Min: 2.21  Med: 3.54 Max: 5.18
Current: 2.51
2.21
5.18
Dividend Payout Ratio 0.33
LARK's Dividend Payout Ratio is ranked higher than
88% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. LARK: 0.33 )
Ranked among companies with meaningful Dividend Payout Ratio only.
LARK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.25  Med: 0.35 Max: 0.94
Current: 0.33
0.25
0.94
3-Year Dividend Growth Rate 6.80
LARK's 3-Year Dividend Growth Rate is ranked lower than
51% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. LARK: 6.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
LARK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 2.1  Med: 7.45 Max: 99.6
Current: 6.8
2.1
99.6
Forward Dividend Yield % 2.60
LARK's Forward Dividend Yield % is ranked lower than
56% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. LARK: 2.60 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.33
LARK's 5-Year Yield-on-Cost % is ranked higher than
51% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. LARK: 3.33 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
LARK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.93  Med: 4.69 Max: 6.87
Current: 3.33
2.93
6.87
3-Year Average Share Buyback Ratio -2.10
LARK's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. LARK: -2.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
LARK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.1  Med: 0.25 Max: 21.4
Current: -2.1
-18.1
21.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.88
LARK's Price-to-Tangible-Book is ranked lower than
73% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. LARK: 1.88 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
LARK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.67  Med: 1.21 Max: 1.98
Current: 1.88
0.67
1.98
Price-to-Intrinsic-Value-Projected-FCF 0.54
LARK's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
75% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. LARK: 0.54 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
LARK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.23  Med: 0.6 Max: 1.43
Current: 0.54
0.23
1.43
Price-to-Median-PS-Value 1.46
LARK's Price-to-Median-PS-Value is ranked lower than
76% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. LARK: 1.46 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
LARK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.7  Med: 1.35 Max: 23.9
Current: 1.46
0.7
23.9
Price-to-Peter-Lynch-Fair-Value 0.91
LARK's Price-to-Peter-Lynch-Fair-Value is ranked higher than
65% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. LARK: 0.91 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
LARK' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.28  Med: 0.7 Max: 2.2
Current: 0.91
0.28
2.2
Price-to-Graham-Number 1.05
LARK's Price-to-Graham-Number is ranked lower than
56% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. LARK: 1.05 )
Ranked among companies with meaningful Price-to-Graham-Number only.
LARK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.52  Med: 0.87 Max: 1.19
Current: 1.05
0.52
1.19
Earnings Yield (Greenblatt) % 6.56
LARK's Earnings Yield (Greenblatt) % is ranked higher than
54% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. LARK: 6.56 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
LARK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 5.7 Max: 10.6
Current: 6.56
1.3
10.6
Forward Rate of Return (Yacktman) % 24.51
LARK's Forward Rate of Return (Yacktman) % is ranked higher than
78% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. LARK: 24.51 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
LARK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -19.2  Med: 7.9 Max: 40.9
Current: 24.51
-19.2
40.9

More Statistics

Revenue (TTM) (Mil) $40.89
EPS (TTM) $ 2.30
Beta0.74
Short Percentage of Float0.11%
52-Week Range $23.62 - 32.40
Shares Outstanding (Mil)3.87
» More Articles for LARK

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More From Other Websites
Edited Transcript of LARK earnings conference call or presentation 27-Apr-17 3:00pm GMT Apr 29 2017
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Landmark Bancorp, Inc. /Kansas/ :LARK-US: Earnings Analysis: Q3, 2016 By the Numbers : October 28,... Oct 28 2016
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Edited Transcript of LARK earnings conference call or presentation 3-Aug-16 3:00pm GMT Aug 03 2016
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