WallStSmart

Landmark Bancorp Inc (LARK)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 6241868% more annual revenue ($4.02T vs $64.37M). LARK leads profitability with a 26.9% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

LARK

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 10.0Quality: 6.3
Piotroski: 5/9

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LARKUndervalued (+80.9%)

Margin of Safety

+80.9%

Fair Value

$144.06

Current Price

$24.58

$119.48 discount

UndervaluedFair: $144.06Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LARK6 strengths · Avg: 9.3/10
P/E RatioValuation
8.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.4%10/10

Strong operational efficiency at 36.4%

Profit MarginProfitability
26.9%9/10

Keeps 27 of every $100 in revenue as profit

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

EPS GrowthGrowth
24.7%8/10

Earnings expanding 24.7% YoY

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

LARK2 concerns · Avg: 3.5/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Market CapQuality
$156.18M3/10

Smaller company, higher risk/reward

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : LARK

The strongest argument for LARK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.9% and operating margin at 36.4%. Revenue growth of 12.7% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bear Case : LARK

The primary concerns for LARK are PEG Ratio, Market Cap.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

LARK carries more volatility with a beta of 0.27 — expect wider price swings.

LARK is growing revenue faster at 12.7% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (74/100 vs 72/100), backed by strong 26.1% margins. LARK offers better value entry with a 80.9% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Landmark Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Landmark Bancorp, Inc. is the financial holding company for Landmark National Bank providing various banking and financial services to its local communities. The company is headquartered in Manhattan, Kansas.

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Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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