Landmark Bancorp, Inc. Fundamental Analysis (NASDAQ: LARK)
Landmark Bancorp, Inc. Fundamental Analysis (NASDAQ: LARK)
Landmark Bancorp, Inc. (NASDAQ: LARK) shows strong financial fundamentals with a PE ratio of 9.57, profit margin of 25.55%, and ROE of 12.49%. The company generates $0.1B in annual revenue with moderate year-over-year growth of 8.26%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 65.1/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze LARK's fundamental strength across five key dimensions:
Efficiency Score
WeakLARK struggles to generate sufficient returns from assets.
Valuation Score
ExcellentLARK trades at attractive valuation levels.
Growth Score
ExcellentLARK delivers strong and consistent growth momentum.
Financial Health Score
ExcellentLARK maintains a strong and stable balance sheet.
Profitability Score
ModerateLARK maintains healthy but balanced margins.
Key Financial Metrics
Is LARK Expensive or Cheap?
P/E Ratio
LARK trades at 9.57 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, LARK's PEG of 0.51 indicates potential undervaluation.
Price to Book
The market values Landmark Bancorp, Inc. at 1.17 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.79 times EBITDA. This is generally considered low.
How Well Does LARK Make Money?
Net Profit Margin
For every $100 in sales, Landmark Bancorp, Inc. keeps $25.55 as profit after all expenses.
Operating Margin
Core operations generate 15.22 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.49 in profit for every $100 of shareholder equity.
ROA
Landmark Bancorp, Inc. generates $1.25 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Landmark Bancorp, Inc. generates strong operating cash flow of $23.43M, reflecting robust business health.
Free Cash Flow
Landmark Bancorp, Inc. generates strong free cash flow of $23.35M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.83 in free cash annually.
FCF Yield
LARK converts 11.95% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.57
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.51
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.17
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.48
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.64
vs 25 benchmark
Current Ratio
Current assets to current liabilities
229.57
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How LARK Stacks Against Its Sector Peers
| Metric | LARK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.57 | 21.07 | Better (Cheaper) |
| ROE | 12.49% | 647.00% | Weak |
| Net Margin | 25.55% | -1594.00% (disorted) | Strong |
| Debt/Equity | 0.64 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 229.57 | 912.43 | Strong Liquidity |
| ROA | 1.25% | -579.00% (disorted) | Weak |
LARK outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Landmark Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
37.02%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-8.40%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
38.93%
Industry Style: Value, Dividend, Cyclical
High Growth