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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 0.16
LARK's Cash to Debt is ranked higher than
53% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. LARK: 0.16 )
LARK' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.16

Equity to Asset 0.08
LARK's Equity to Asset is ranked higher than
62% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. LARK: 0.08 )
LARK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.19
Current: 0.08

0.08
0.19
Interest Coverage 1.75
LARK's Interest Coverage is ranked higher than
73% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. LARK: 1.75 )
LARK' s 10-Year Interest Coverage Range
Min: 0.23   Max: 2.09
Current: 1.75

0.23
2.09
F-Score: 5
Z-Score: 0.19
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 : 8/10

vs
industry
vs
history
Operating margin (%) 21.67
LARK's Operating margin (%) is ranked higher than
63% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. LARK: 21.67 )
LARK' s 10-Year Operating margin (%) Range
Min: -145.93   Max: 50.63
Current: 21.67

-145.93
50.63
Net-margin (%) 17.04
LARK's Net-margin (%) is ranked higher than
67% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. LARK: 17.04 )
LARK' s 10-Year Net-margin (%) Range
Min: 7.51   Max: 84.08
Current: 17.04

7.51
84.08
ROE (%) 9.80
LARK's ROE (%) is ranked higher than
80% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. LARK: 9.80 )
LARK' s 10-Year ROE (%) Range
Min: 3.79   Max: 13.63
Current: 9.8

3.79
13.63
ROA (%) 0.81
LARK's ROA (%) is ranked higher than
73% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. LARK: 0.81 )
LARK' s 10-Year ROA (%) Range
Min: 0.36   Max: 1.69
Current: 0.81

0.36
1.69
ROC (Joel Greenblatt) (%) 42.09
LARK's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. LARK: 42.09 )
LARK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -94.06   Max: 488.89
Current: 42.09

-94.06
488.89
Revenue Growth (3Y)(%) 2.00
LARK's Revenue Growth (3Y)(%) is ranked higher than
78% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. LARK: 2.00 )
LARK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 62.2
Current: 2

0
62.2
EBITDA Growth (3Y)(%) 29.30
LARK's EBITDA Growth (3Y)(%) is ranked higher than
93% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. LARK: 29.30 )
LARK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 34.8
Current: 29.3

0
34.8
EPS Growth (3Y)(%) 30.40
LARK's EPS Growth (3Y)(%) is ranked higher than
92% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. LARK: 30.40 )
LARK' s 10-Year EPS Growth (3Y)(%) Range
Min: -24.5   Max: 36.5
Current: 30.4

-24.5
36.5
» LARK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

LARK Guru Trades in Q4 2013

Irving Kahn 35,282 sh (-58.02%)
» More
Q1 2014

LARK Guru Trades in Q1 2014

Irving Kahn 72,364 sh (+105.1%)
» More
Q2 2014

LARK Guru Trades in Q2 2014

Irving Kahn 70,486 sh (-2.6%)
» More
Q3 2014

LARK Guru Trades in Q3 2014

Jim Simons 10,027 sh (New)
Irving Kahn 68,606 sh (-2.67%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Irving Kahn 2014-03-31 Add 105.1%0.1%$17.89 - $19.06 $ 2113%75982.2
Irving Kahn 2013-12-31 Reduce -58.02%0.14%$17.63 - $19.41 $ 2114%37046.1
Irving Kahn 2013-06-30 Reduce -24.31%0.09%$18.45 - $20.18 $ 2110%91888.65
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.00
LARK's P/E(ttm) is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. LARK: 11.00 )
LARK' s 10-Year P/E(ttm) Range
Min: 7.19   Max: 33.94
Current: 11

7.19
33.94
P/B 0.90
LARK's P/B is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. LARK: 0.90 )
LARK' s 10-Year P/B Range
Min: 0.59   Max: 1.53
Current: 0.9

0.59
1.53
P/S 1.90
LARK's P/S is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. LARK: 1.90 )
LARK' s 10-Year P/S Range
Min: 1.26   Max: 25.53
Current: 1.9

1.26
25.53
PFCF 20.50
LARK's PFCF is ranked higher than
77% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LARK: 20.50 )
LARK' s 10-Year PFCF Range
Min: 3.55   Max: 246.5
Current: 20.5

3.55
246.5
EV-to-EBIT 15.72
LARK's EV-to-EBIT is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. LARK: 15.72 )
LARK' s 10-Year EV-to-EBIT Range
Min: -12.7   Max: 106.7
Current: 15.72

-12.7
106.7
PEG 0.73
LARK's PEG is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LARK: 0.73 )
LARK' s 10-Year PEG Range
Min: 0.47   Max: 13.22
Current: 0.73

0.47
13.22
Shiller P/E 14.50
LARK's Shiller P/E is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LARK: 14.50 )
LARK' s 10-Year Shiller P/E Range
Min: 7.04   Max: 18.08
Current: 14.5

7.04
18.08

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.50
LARK's Dividend Yield is ranked higher than
72% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. LARK: 3.50 )
LARK' s 10-Year Dividend Yield Range
Min: 1.89   Max: 5.18
Current: 3.5

1.89
5.18
Dividend Payout 0.37
LARK's Dividend Payout is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. LARK: 0.37 )
LARK' s 10-Year Dividend Payout Range
Min: 0.13   Max: 3.46
Current: 0.37

0.13
3.46
Dividend growth (3y) 5.00
LARK's Dividend growth (3y) is ranked higher than
77% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. LARK: 5.00 )
LARK' s 10-Year Dividend growth (3y) Range
Min: -1   Max: 26.2
Current: 5

-1
26.2
Yield on cost (5-Year) 4.68
LARK's Yield on cost (5-Year) is ranked higher than
76% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. LARK: 4.68 )
LARK' s 10-Year Yield on cost (5-Year) Range
Min: 2.53   Max: 6.93
Current: 4.68

2.53
6.93
Share Buyback Rate -1.00
LARK's Share Buyback Rate is ranked higher than
76% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. LARK: -1.00 )
LARK' s 10-Year Share Buyback Rate Range
Min: 12.6   Max: -15.5
Current: -1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
LARK's Price/Tangible Book is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. LARK: 1.30 )
LARK' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 2.25
Current: 1.3

0.58
2.25
Price/DCF (Projected) 0.70
LARK's Price/DCF (Projected) is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. LARK: 0.70 )
LARK' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 1.47
Current: 0.7

0.17
1.47
Price/Median PS Value 0.90
LARK's Price/Median PS Value is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. LARK: 0.90 )
LARK' s 10-Year Price/Median PS Value Range
Min: 0.67   Max: 11.84
Current: 0.9

0.67
11.84
Price/Peter Lynch Fair Value 0.50
LARK's Price/Peter Lynch Fair Value is ranked higher than
98% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LARK: 0.50 )
LARK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.29   Max: 3.47
Current: 0.5

0.29
3.47
Price/Graham Number 0.80
LARK's Price/Graham Number is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. LARK: 0.80 )
LARK' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 1.36
Current: 0.8

0.46
1.36
Earnings Yield (Greenblatt) 6.40
LARK's Earnings Yield (Greenblatt) is ranked higher than
72% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. LARK: 6.40 )
LARK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 10.4
Current: 6.4

0.9
10.4
Forward Rate of Return (Yacktman) 30.54
LARK's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. LARK: 30.54 )
LARK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -21.5   Max: 33.9
Current: 30.54

-21.5
33.9

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).

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