Landmark Bancorp Inc (LARK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Landmark Bancorp Inc stock (LARK) is currently trading at $24.58. Landmark Bancorp Inc PE ratio is 8.68. Landmark Bancorp Inc PS ratio (Price-to-Sales) is 2.19. WallStSmart rates LARK as Moderate Buy.
- LARK PE ratio analysis and historical PE chart
- LARK PS ratio (Price-to-Sales) history and trend
- LARK intrinsic value — DCF, Graham Number, EPV models
- LARK stock price prediction 2025 2026 2027 2028 2029 2030
- LARK fair value vs current price
- LARK insider transactions and insider buying
- Is LARK undervalued or overvalued?
- Landmark Bancorp Inc financial analysis — revenue, earnings, cash flow
- LARK Piotroski F-Score and Altman Z-Score
- LARK analyst price target and Smart Rating
Landmark Bancorp Inc
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LARK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Landmark Bancorp Inc (LARK)
LARK trades at a significant discount to its Graham intrinsic value of $144.06, offering a 81% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Landmark Bancorp Inc (LARK) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap. Overall metrics suggest strong investment potential with favorable risk/reward.
Landmark Bancorp Inc (LARK) Key Strengths (4)
Keeps $36 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $27 of every $100 in revenue as net profit
Strong earnings growth at 24.70% per year
Supporting Valuation Data
Landmark Bancorp Inc (LARK) Areas to Watch (6)
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 2.19x sales
Solid revenue growth at 12.70% per year
Moderate institutional interest at 30.56%
Landmark Bancorp Inc (LARK) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 5.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.91) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 36.40%, Profit Margin at 26.90%. Growth metrics are encouraging with EPS Growth at 24.70%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, PEG Ratio. Some valuation metrics including PEG Ratio (1.51), Price/Sales (2.19) suggest expensive pricing. Growth concerns include Revenue Growth at 12.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 12.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LARK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LARK's Price-to-Sales ratio of 2.19x trades 38% below its historical average of 3.55x (1th percentile). The current valuation is 70% below its historical high of 7.19x set in Jun 2007, and 10% above its historical low of 1.99x in Feb 2009. Over the past 12 months, the PS ratio has compressed from ~2.5x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Landmark Bancorp Inc (LARK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Landmark Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 64M with 13% growth year-over-year. Profit margins are strong at 26.9%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1170.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 26.9% and operating margin of 36.4% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 3.1%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Landmark Bancorp Inc.
Bottom Line
Landmark Bancorp Inc is a well-established business delivering consistent profitability with 26.9% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Landmark Bancorp Inc(LARK)
NASDAQ
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.