Is LARK a good stock to buy right now?

Based on our 6-factor quantitative model, LANDMARK BANCORP INC (LARK) receives a "Reduce" rating with a composite score of 41.3/100. It is ranked #2,962 out of 4,446 stocks. Key factor scores: Quality 41/100, Value 56/100, Momentum 40/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for LARK?

LANDMARK BANCORP INC (LARK) has a "Reduce" rating and 2-star score. The composite score of 41.3 ranks it #2,962 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is LARK in?

LANDMARK BANCORP INC operates in the Financials sector (Banking industry) with a market cap of $154 million. It is classified as a micro-cap stock.

Does LARK pay a dividend?

Yes, LARK pays a dividend with a current yield of 8.87%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $88.70 in annual dividend income.

What is LARK's P/E ratio?

LARK has a trailing P/E ratio of 8.73x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is LARK?

LARK's quality factor score is 41/100. Gross margin: 0.0%. ROE: 11.5% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is LARK valued compared to peers?

LARK's value factor score is 56/100 (higher = cheaper). Key multiples: P/E 8.7x, EV/EBITDA 7.0x. Valuation is roughly in line with peers.

What is LARK's debt level?

LARK's debt-to-equity ratio is 938%. Sector average: 121%. Elevated leverage increases credit risk.

LARK has a beta of 0.28, meaning it is less volatile than the market. Stability score: 79/100.

Does LARK have high short interest?

LARK's short interest factor score is 1/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

LARK Stock Analysis: Top Micro-Cap Reduce (Score 41.3/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
LARK	-0.71%	+4.42%	+2.61%	+2.02%	-2.52%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.64%	+0.81%	+2.27%	+2.38%	-32.04%	-	-	-
Alpha vs Sector	+0.38%	+1.91%	+1.19%	+9.33%	-13.10%	-	-	-

Metric	LARK	Benchmark
P/E Ratio	8.7x	-41%
EV/EBITDA	7.0x	+114%
Price / Book	1.0x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
LARK LANDMARK BANCORP INC	41	41	56	40	8.7x	11.5%	0.0%	23.5%	14.1%	938.0x	$154M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.6%	0.7%	0.6%	0.6%	0.6%
Operating Margin %	0.3%	0.3%	0.2%	0.2%	0.3%	0.6%	0.4%	0.3%	0.4%	0.4%	0.4%
EBITDA Margin %	0.3%	0.3%	0.2%	0.2%	0.3%	0.6%	0.4%	0.3%	0.4%	0.2%	0.4%
Net Margin %	0.2%	0.2%	0.2%	0.2%	0.2%	0.5%	0.3%	0.2%	0.2%	0.1%	0.2%
FCF Margin %	-47.9%	-	-	-	-	-	22.6%	17.5%	46.0%	3.9%	45.1%
ROE %	0.1%	0.0%	0.1%	0.1%	0.1%	0.1%	0.2%	0.1%	0.1%	0.0%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	6.5%	3.1%	8.2%	8.8%	8.0%	13.3%	30.9%	9.1%	9.5%	8.8%	8.5%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.6%

0.7%

0.6%

Operating Margin %

0.3%

0.2%

0.3%

0.6%

0.4%

0.3%

0.4%

EBITDA Margin %

0.3%

0.2%

0.3%

0.6%

0.4%

0.3%

0.4%

0.2%

0.4%

Net Margin %

0.2%

0.5%

0.3%

0.2%

0.1%

0.2%

FCF Margin %

-47.9%

22.6%

17.5%

46.0%

3.9%

45.1%

ROE %

0.1%

0.0%

0.1%

0.2%

0.1%

0.0%

0.1%

ROA %

0.0%

ROIC %

6.5%

3.1%

8.2%

8.8%

8.0%

13.3%

30.9%

9.1%

9.5%

8.8%

8.5%

Line Item	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$76M	$74M	$65M	$43M	$40M	$64M	$46M	$43M	$41M	$41M	$43M
	$14M	—	—	—	—	$36M	$30M	$28M	$26M	$26M	$26M
Gross Margin	0.0%	---	---	---	---	57.1%	65.8%	64.1%	63.1%	63.7%	60.4%
	—	—	—	—	—	$4M	$4M	$4M	$4M	$4M	$4M
Total Operating Expenses	—	$60M	$50M	$32M	$17M	—	—	—	—	—	—
	$20M	$14M	$14M	$11M	$23M	$27M	$16M	$16M	$15M	$15M	$17M
EBIT	$20M	$14M	$14M	$11M	$23M	$27M	$16M	$16M	$15M	$15M	$17M
EBITDA	$22M	$14M	$14M	$11M	$23M	$28M	$16M	$16M	$8M	$16M	$18M
Operating Margin	28.0%	19.1%	21.9%	26.2%	57.3%	42.9%	34.2%	35.9%	36.9%	36.3%	39.6%
EBITDA Margin	29.4%	19.1%	21.9%	26.2%	57.3%	43.9%	34.6%	35.9%	18.5%	38.0%	42.2%
	—	$4M	$21M	$4M	$2M	$3M	$7M	$5M	$4M	$3M	$3M
	—	$14M	$14M	$11M	$23M	—	—	—	—	—	—
Income Tax Expense	—	$1M	$2M	$1M	$5M	$5M	$1M	$1M	-$897K	$2M	$4M
	$18M	$13M	$12M	$10M	$18M	$19M	$11M	$10M	$4M	$9M	$11M
Net Margin	23.5%	17.6%	18.9%	22.9%	45.2%	30.5%	23.1%	24.1%	10.5%	21.9%	24.5%
	$0.85	$2.26	$2.23	$1.89	$3.61	$3.91	$2.21	$2.17	$1.02	$2.24	$3.00
Diluted EPS	$0.85	$2.26	$2.23	$1.88	$3.60	$3.91	$2.21	$2.17	$1.02	$2.24	$3.00
Weighted Avg Basic	—	5.8B	5.5B	5.2B	5.0B	—	—	—	—	—	—
Weighted Avg Diluted	—	5.8B	5.5B	5.2B	5.0B	—	—	—	—	—	—

Line Item

TTM

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$76M

$74M

$65M

$43M

$40M

$64M

$46M

$43M

$41M

$43M

$14M

—

$36M

$30M

$28M

$26M

Gross Margin

0.0%

---

57.1%

65.8%

64.1%

63.1%

63.7%

60.4%

—

$4M

Total Operating Expenses

—

$60M

$50M

$32M

$17M

—

$20M

$14M

$11M

$23M

$27M

$16M

$15M

$17M

EBIT

$20M

$14M

$11M

$23M

$27M

$16M

$15M

$17M

EBITDA

$22M

$14M

$11M

$23M

$28M

$16M

$8M

$16M

$18M

Operating Margin

28.0%

19.1%

21.9%

26.2%

57.3%

42.9%

34.2%

35.9%

36.9%

36.3%

39.6%

EBITDA Margin

29.4%

19.1%

21.9%

26.2%

57.3%

43.9%

34.6%

35.9%

18.5%

38.0%

42.2%

—

$4M

$21M

$4M

$2M

$3M

$7M

$5M

$4M

$3M

—

$14M

$11M

$23M

—

Income Tax Expense

—

$1M

$2M

$1M

$5M

$1M

-$897K

$2M

$4M

$18M

$13M

$12M

$10M

$18M

$19M

$11M

$10M

$4M

$9M

$11M

Net Margin

23.5%

17.6%

18.9%

22.9%

45.2%

30.5%

23.1%

24.1%

10.5%

21.9%

24.5%

$0.85

$2.26

$2.23

$1.89

$3.61

$3.91

$2.21

$2.17

$1.02

$2.24

$3.00

Diluted EPS

$0.85

$2.26

$2.23

$1.88

$3.60

$3.91

$2.21

$2.17

$1.02

$2.24

$3.00

Weighted Avg Basic

—

5.8B

5.5B

5.2B

5.0B

—

Weighted Avg Diluted

—

5.8B

5.5B

5.2B

5.0B

—

LANDMARK BANCORP INC (LARK) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does LANDMARK BANCORP INC Do?

Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, including automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It has 30 branch offices in 24 communities across the state of Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas. LANDMARK BANCORP INC (LARK) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Michael E. Scheopner and employs approximately 270 people, headquartered in MANHATTAN, Kansas. With a market capitalization of $154M, LARK is one of the notable companies in the Financials sector.

LANDMARK BANCORP INC (LARK) Stock Rating — Reduce (April 2026)

As of April 2026, LANDMARK BANCORP INC receives a Reduce rating with a composite score of 41.3/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.LARK ranks #2,962 out of 4,446 stocks in our coverage universe. Within the Financials sector, LANDMARK BANCORP INC ranks #720 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

LARK Stock Price and 52-Week Range

LANDMARK BANCORP INC (LARK) currently trades at $26.72. The stock lost $0.19 (0.7%) in the most recent trading session. The 52-week high for LARK is $31.04, which means the stock is currently trading -13.9% from its annual peak. The 52-week low is $23.43, putting the stock 14.0% above its annual trough. Recent trading volume was 3K shares, suggesting relatively thin trading activity.

Is LARK Overvalued or Undervalued? — Valuation Analysis

LANDMARK BANCORP INC (LARK) carries a value factor score of 56/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 8.73x, compared to the Financials sector average of 14.88x — a discount of 41%. The price-to-book ratio stands at 1.01x, versus the sector average of 1.22x. The price-to-sales ratio is 2.05x, compared to 0.90x for the average Financials stock. On an enterprise value basis, LARK trades at 6.99x EV/EBITDA, versus 3.26x for the sector.

Overall, LARK's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

LANDMARK BANCORP INC Profitability — ROE, Margins, and Quality Score

LANDMARK BANCORP INC (LARK) earns a quality factor score of 41/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 11.5%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.1% versus the sector average of 1.2%.

On a margin basis, LANDMARK BANCORP INC reports gross margins of 0.0%. The operating margin is 28.0% (sector: 21.8%). Net profit margin stands at 23.5%, versus 17.7% for the average Financials stock. Revenue growth is running at 14.1% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

LARK Debt, Balance Sheet, and Financial Health

LANDMARK BANCORP INC has a debt-to-equity ratio of 938.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.11x, suggesting adequate working capital coverage. Total debt on the balance sheet is $114M. Cash and equivalents stand at $24M.

LARK has a beta of 0.28, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for LANDMARK BANCORP INC is 79/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

LANDMARK BANCORP INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, LANDMARK BANCORP INC reported revenue of $76M and earnings per share (EPS) of $0.85. Net income for the quarter was $18M. Gross margin was 0.0%. Operating income came in at $20M.

In Q3 2025, LANDMARK BANCORP INC reported revenue of $21M and earnings per share (EPS) of $0.85. Net income for the quarter was $5M. Revenue grew 9.0% year-over-year compared to Q3 2024. Operating income came in at $6M.

In Q2 2025, LANDMARK BANCORP INC reported revenue of $17M and earnings per share (EPS) of $0.76. Net income for the quarter was $4M. Gross margin was 79.1%. Revenue grew -4.8% year-over-year compared to Q2 2024. Operating income came in at $4M.

In Q1 2025, LANDMARK BANCORP INC reported revenue of $19M and earnings per share (EPS) of $0.81. Net income for the quarter was $5M. Revenue grew 9.0% year-over-year compared to Q1 2024. Operating income came in at $6M.

Over the past 8 quarters, LANDMARK BANCORP INC has demonstrated a growth trajectory, with revenue expanding from $18M to $76M. Investors analyzing LARK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

LARK Dividend Yield and Income Analysis

LANDMARK BANCORP INC (LARK) currently pays a dividend yield of 8.9%. At this yield, a $10,000 investment in LARK stock would generate approximately $$887.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning LARK offers above-average income for its sector. With a net margin of 23.5%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

LARK Momentum and Technical Analysis Profile

LANDMARK BANCORP INC (LARK) has a momentum factor score of 40/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 1/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

LARK vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, LANDMARK BANCORP INC (LARK) ranks #720 out of 891 stocks based on the Blank Capital composite score. This places LARK in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing LARK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full LARK vs S&P 500 (SPY) comparison to assess how LANDMARK BANCORP INC stacks up against the broader market across all factor dimensions.

LARK Next Earnings Date

No upcoming earnings date has been announced for LANDMARK BANCORP INC (LARK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy LARK? — Investment Thesis Summary

The quantitative profile for LANDMARK BANCORP INC suggests caution. Low volatility (stability score 79/100) reduces downside risk.

In summary, LANDMARK BANCORP INC (LARK) earns a Reduce rating with a composite score of 41.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on LARK stock.

Related Resources for LARK Investors

Explore more research and tools: LARK vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare LARK head-to-head with peers: LARK vs WTM, LARK vs OPY, LARK vs ACT.

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LANDMARK BANCORP INC (LARK) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does LANDMARK BANCORP INC Do?

LANDMARK BANCORP INC (LARK) Stock Rating — Reduce (April 2026)

LARK Stock Price and 52-Week Range

Is LARK Overvalued or Undervalued? — Valuation Analysis

LANDMARK BANCORP INC Profitability — ROE, Margins, and Quality Score

LARK Debt, Balance Sheet, and Financial Health

LANDMARK BANCORP INC Revenue and Earnings History — Quarterly Trend

LARK Dividend Yield and Income Analysis

LARK Momentum and Technical Analysis Profile

LARK vs Competitors — Financials Sector Ranking and Peer Comparison

LARK Next Earnings Date

Should You Buy LARK? — Investment Thesis Summary

Related Resources for LARK Investors

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Landmark Bancorp, Inc. (NASDAQ:LARK) Q4 2025 Earnings Call Transcript

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