WallStSmart

Landmark Bancorp Inc (LARK)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 90472% more annual revenue ($63.42B vs $70.03M). RY leads profitability with a 33.1% profit margin vs 27.3%. LARK appears more attractively valued with a PEG of 1.51. RY earns a higher WallStSmart Score of 68/100 (B-).

LARK

Strong Buy

68

out of 100

Grade: B-

Growth: 6.7Profit: 7.5Value: 6.3Quality: 6.3
Piotroski: 5/9

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LARK5 strengths · Avg: 9.6/10
P/E RatioValuation
8.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
35.9%10/10

Strong operational efficiency at 35.9%

Profit MarginProfitability
27.3%9/10

Keeps 27 of every $100 in revenue as profit

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

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

Expensive relative to growth rate

Market CapQuality
$165.87M3/10

Smaller company, higher risk/reward

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

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 27.3% and operating margin at 35.9%. Revenue growth of 10.6% demonstrates continued momentum.

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.

Bear Case : LARK

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

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

RY carries more volatility with a beta of 0.92 — expect wider price swings.

LARK is growing revenue faster at 10.6% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

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

Bottom Line

LARK scores higher overall (68/100 vs 68/100), backed by strong 27.3% margins and 10.6% revenue growth. 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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Royal Bank of Canada

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.

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