LARK (Landmark Bancorp) Moat Score: 3/10 (As of Jul. 02, 2026)


LARK Landmark Bancorp Inc LARK
60 GF Score
Price $31.14
GF Value $26.77
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Landmark Bancorp Moat Score?

Landmark Bancorp LARK -0.45% 60 Moat Score is 3 as of Jul. 02, 2026. GuruFocus rates LARK with a GF Score™ of 60/100 and a GF Value™ of $26.77 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,612 Banks companies, Landmark Bancorp ranks better than 74.5% on this metric.

Landmark Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Landmark Bancorp has No Moat: Landmark Bancorp Inc operates in a competitive banking sector with limited differentiation. It lacks significant customer switching costs, proprietary technology, or strong brand strength. The company does not exhibit durable cost advantages or significant regulatory barriers, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Landmark Bancorp might have No Moat - Very weak/transient advantages.

Landmark Bancorp  (NAS:LARK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Landmark Bancorp Moat Score Related Terms

LARK vs SABK, RBKB, CSBB: Moat Score Comparison

For the Banks - Regional subindustry, Landmark Bancorp's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Landmark Bancorp Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Landmark Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Landmark Bancorp's Moat Score falls into.


LARK
60GF Score
Landmark Bancorp Inc LARK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Landmark Bancorp (LARK) has a Moat Score of 3 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Landmark Bancorp ranks #411 out of 1612 companies in the Banks industry, placing it in the top 25.5%.
Is Landmark Bancorp's Moat Score too high?
Landmark Bancorp's current Moat Score is 3. Based on the distribution chart, Landmark Bancorp ranks #411 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, Landmark Bancorp has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Landmark Bancorp's Moat Score compare to SABK and RBKB?
According to the Banks industry distribution chart, Landmark Bancorp ranks #411 out of 1612 companies for Moat Score. This puts Landmark Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Landmark Bancorp's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Landmark Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Landmark Bancorp (LARK) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.77, compared to a current price of $31.14 — trading 16.3% above its estimated fair value. The current Moat Score is 3. Landmark Bancorp's overall GF Score™ is 60/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Landmark Bancorp (LARK), the current Moat Score is 3 as of Jul. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Landmark Bancorp (LARK) Overvalued in 2026?

Based on GuruFocus' analysis, Landmark Bancorp stock appears to be overvalued. The current stock price of $31.14 is trading 16.3% above its estimated GF Value™ of $26.77. GuruFocus considers Landmark Bancorp to be Modestly Overvalued.

Key valuation signals for LARK:

  • Moat Score: 3
  • GF Value™: $26.77 vs. price of $31.14 (16.3% above fair value)
  • GF Score™: 60/100 with 7 warning signs

No single metric tells the full story. See the LARK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Landmark Bancorp Business Description

Address 701 Poyntz Avenue, Manhattan, KS, USA, 66502
Landmark Bancorp Inc is the bank holding company for Landmark National Bank, which is dedicated to providing quality financial and banking services. The Bank has continued to focus on increasing its originations of commercial, commercial real estate (CRE), and agricultural loans, which management believes will be more profitable and provide more growth for the Bank than traditional one-to-four-family residential real estate lending. In addition, it also invests in certain investment and mortgage-related securities using deposits and other borrowings as funding sources. Its primary deposit gathering and lending markets are geographically diversified with locations in central, eastern, southeast, and Southwest Kansas.
60GF Score

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$31.14
Price
$26.77
GF Value