Landmark Bancorp, Inc. (LARK)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Landmark Bancorp, Inc. (LARK) trades at $30.35 with AI Score 88/100 (Grade A+). Landmark Bancorp, Inc. , operating as Landmark National Bank, provides community banking services across Kansas. Market cap: $185.07M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for LARK: LARK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates LARK against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
LARK: 1/1 perspectives are bullish.
How is this calculated? →Landmark Bancorp, Inc. (LARK) Financial Services Profile
Landmark Bancorp, Inc. is a Kansas-based community bank offering traditional financial services, including deposit accounts and various loan products, to individuals and businesses. With a strong local presence of 30 branches, the company focuses on serving its communities through personalized banking solutions and a commitment to local economic development.
What Is the Investment Thesis for LARK?
Landmark Bancorp, Inc. presents a stable investment opportunity within the regional banking sector, supported by its long-standing presence in Kansas and a diversified loan portfolio. The company's P/E ratio of 9.3 suggests a reasonable valuation compared to its earnings. A dividend yield of 2.89% offers an income stream for investors. Growth catalysts include potential expansion within its existing Kansas footprint and strategic investments in technology to enhance its mobile and online banking services. However, investors should monitor the impact of interest rate fluctuations and regulatory changes on the company's profitability and operations. With a market cap of $185.07M, Landmark Bancorp's smaller size could lead to volatility. Maintaining a close watch on credit quality and risk management practices is crucial for assessing the long-term sustainability of Landmark Bancorp's performance.
Based on FMP financials and quantitative analysis
LARK Key Highlights
- Market Cap of $185.07M indicates a smaller, community-focused banking institution.
- P/E Ratio of 9.3 suggests the company is reasonably valued compared to its earnings.
- Profit Margin of 19.7% reflects efficient operations and profitability.
- Gross Margin of 72.0% indicates strong revenue management and cost control.
- Dividend Yield of 2.89% offers an attractive income stream for investors.
Who Are LARK's Competitors?
LARK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CASH Pathward Financial, Inc. | $89.31 | +0.66% | $1.89B | 92 |
| HBNC Horizon Bancorp, Inc. | $19.88 | +0.52% | $1.02B | 37 |
| FFBC First Financial Bancorp. | $34.62 | +0.67% | $3.63B | 94 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LARK's Key Strengths?
- Strong local presence in Kansas.
- Long-standing history and reputation.
- Diversified loan portfolio.
- Personalized customer service.
What Are LARK's Weaknesses?
- Limited geographic reach.
- Smaller size compared to larger regional and national banks.
- Reliance on traditional banking products and services.
- Vulnerability to interest rate fluctuations.
What Could Drive LARK Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margins.
- Investments in digital banking technology may attract new customers and improve efficiency.
- Expansion into new markets within Kansas could drive loan growth and deposit base.
What Are the Key Risks for LARK?
- Financial-distress signal — its Altman Z-Score of 0.52 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Kansas could negatively impact loan demand and credit quality.
- Increased competition from larger banks and credit unions could erode market share.
- Regulatory changes and compliance costs could strain profitability.
- Cybersecurity threats could disrupt operations and compromise customer data.
What Are the Growth Opportunities for LARK?
- Expansion within Existing Markets: Landmark Bancorp can pursue growth by expanding its presence within its existing markets in Kansas. This involves opening new branches in underserved areas or acquiring smaller community banks to increase its market share. The market for community banking in Kansas is estimated to be worth several billion dollars, providing ample opportunity for Landmark Bancorp to grow its deposit base and loan portfolio. This expansion can be achieved within the next 3-5 years.
- Enhanced Digital Banking Services: Investing in and enhancing its digital banking services can attract and retain customers, especially younger demographics who prefer online and mobile banking. The digital banking market is growing rapidly, with mobile banking transactions expected to reach trillions of dollars in the coming years. By offering a user-friendly mobile app and online platform, Landmark Bancorp can improve customer satisfaction and reduce operational costs. This initiative can be implemented within the next 1-2 years.
- Strategic Partnerships: Forming strategic partnerships with local businesses and community organizations can help Landmark Bancorp expand its reach and build stronger relationships with its customers. This can involve offering co-branded products or services, sponsoring local events, and participating in community development initiatives. Such partnerships can enhance Landmark Bancorp's brand image and attract new customers. These partnerships can be established within the next year.
- Increased Commercial Lending: Focusing on increasing its commercial lending activities can drive revenue growth and diversify its loan portfolio. This involves targeting small and medium-sized businesses in Kansas that require financing for expansion, equipment purchases, or working capital. The market for commercial loans in Kansas is estimated to be worth billions of dollars, providing a significant opportunity for Landmark Bancorp to grow its lending business. This can be achieved over the next 3-5 years.
- Wealth Management Services: Offering wealth management services to its customers can generate additional revenue and deepen customer relationships. This involves providing financial planning, investment management, and trust services to individuals and families. The wealth management market is growing rapidly, driven by an aging population and increasing wealth. By offering these services, Landmark Bancorp can cater to the growing demand for financial advice and investment solutions. This initiative can be launched within the next 2-3 years.
What Opportunities Does LARK Have?
- Expansion within existing markets.
- Enhanced digital banking services.
- Strategic partnerships with local businesses.
- Increased commercial lending activities.
What Threats Does LARK Face?
- Competition from larger banks and credit unions.
- Regulatory changes and compliance costs.
- Economic downturns affecting loan demand and credit quality.
- Technological disruptions from fintech companies.
What Are LARK's Competitive Advantages?
- Strong local presence with 30 branch offices in Kansas.
- Long-standing history and reputation in the community.
- Personalized customer service and local expertise.
- Diversified loan portfolio.
What Does LARK Do?
Landmark Bancorp, Inc., established in 1885 and headquartered in Manhattan, Kansas, functions as the financial holding company for Landmark National Bank. The bank provides a comprehensive suite of financial and banking services tailored to the needs of its local communities. These services encompass a variety of deposit accounts, including non-interest bearing demand accounts, money market accounts, checking accounts, savings accounts, and certificates of deposit. Landmark Bancorp also offers a diverse range of loan products, such as one-to-four family residential real estate loans, construction and land loans, commercial real estate loans, commercial loans, Paycheck Protection Program (PPP) loans, municipal loans, and agriculture loans. Furthermore, the bank extends consumer and other loans, including automobile loans, boat loans, home improvement loans, and home equity loans. Landmark Bancorp complements its lending and deposit services with insurance products and convenient mobile and online banking options. The company strategically invests in investment and mortgage-related securities to optimize its financial performance. With a network of 30 branch offices spanning 24 communities throughout Kansas, Landmark Bancorp maintains a strong local presence and a commitment to serving the financial needs of its customers.
What Products and Services Does LARK Offer?
- Offers non-interest bearing demand accounts.
- Provides money market, checking, and savings accounts.
- Provides certificates of deposit.
- Offers one-to-four family residential real estate loans.
- Provides construction and land loans.
- Offers commercial real estate and commercial loans.
- Provides agriculture loans.
- Provides mobile and online banking services.
How Does LARK Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Invests in investment and mortgage-related securities to generate additional income.
- Manages risk through diversification of loan portfolio and adherence to regulatory requirements.
What Industry Does LARK Operate In?
Landmark Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate movements, regulatory changes, and technological advancements. Regional banks like Landmark Bancorp face competition from larger national banks, credit unions, and fintech companies. The market is seeing a growing demand for digital banking services and personalized customer experiences. Landmark Bancorp's focus on serving local communities and offering a range of traditional banking products positions it to cater to customers who value personalized service and local expertise.
Who Are LARK's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- Agricultural businesses needing financing for their operations.
- Municipalities requiring financial services.
Net buyingInsider Activity
Over the past six months, Landmark Bancorp, Inc. insiders filed 12 SEC Form 4 transactions — 8 sales and 4 purchases. On net that is roughly 5K shares acquired (about $213K) — insiders putting money in tends to read as conviction.
FY2026 estForward Outlook
Wall Street analysts project Landmark Bancorp, Inc. revenue of about $79.6M for fiscal 2026, with EPS near $3.41.
F-Score 7/9Financial Health
Landmark Bancorp, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.52 places it in the distress zone, a signal of elevated financial risk.
ROE 12%Key Financial Metrics
Return on equity for Landmark Bancorp, Inc. stands at 12.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. LARK trades at a trailing price-to-earnings ratio of 9.33, below the Financial Services sector average of ~18x. Its free cash flow yield is 11.0%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 10.4%, the inverse of the P/E and a quick read on earnings relative to price.
Landmark Bancorp, Inc. (LARK) Valuation Context
Valued at $185.07M, LARK is classified as a micro-cap stock. Relative to its peer group, LARK's quantitative score of 88/100 is above the peer average of 73/100.
LARK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- LARK insiders have been quietly accumulating shares, signaling strong confidence from those who know the company best. This echoes moves seen before sustained growth in similar regional banks.
- The social trading community is buzzing about LARK's potential, with positive sentiment outweighing negative. This collective optimism can fuel further interest and investment.
- Landmark Bancorp is perceived as a stable, community-focused bank, a narrative that resonates well in the current market environment where investors seek safety and reliability. Think of it like a smaller version of a well-managed regional player during periods of market uncertainty.
- Recent market developments suggest increased interest in undervalued regional banks, and LARK fits that profile. This renewed focus could drive increased demand and valuation.
Bear Case
- Insider activity, while positive, might not be indicative of overall company performance. Sometimes, insider buys are strategic rather than purely based on future growth prospects.
- Social sentiment can be fickle and easily swayed by short-term news or market trends. The current positive buzz around LARK might be a temporary phenomenon.
- The perception of LARK as a 'safe' investment could also mean it's overlooked for higher-growth opportunities. Investors seeking aggressive returns might find LARK's stability unappealing.
- Market developments favorable to regional banks are not guaranteed to last. Changes in interest rates or economic conditions could quickly shift investor sentiment away from LARK.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
LARK Latest News
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Landmark Bancorp: Attractive At 8x Earnings
seekingalpha.com · May 8, 2026
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Earnings Scheduled For April 29, 2026
benzinga · Apr 29, 2026
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Earnings Scheduled For October 29, 2025
benzinga · Oct 29, 2025
LARK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LARK.
Price Targets
Wall Street price target analysis for LARK.
LARK MoonshotScore
What does this score mean?
The MoonshotScore rates LARK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Abigail Wendel
CEO
Abigail Wendel serves as the CEO of Landmark Bancorp, Inc., bringing extensive experience in the financial services industry. Her career spans various leadership roles within the banking sector, focusing on strategic planning, risk management, and operational efficiency. Wendel holds a degree in Finance from a reputable university and has completed executive education programs at leading business schools. Her background includes expertise in regulatory compliance and community banking.
Track Record: Under Abigail Wendel's leadership, Landmark Bancorp has focused on strengthening its community ties and enhancing its digital banking capabilities. She has overseen initiatives to improve customer service and streamline operations, contributing to the bank's profitability and stability. Wendel has also emphasized the importance of risk management and regulatory compliance, ensuring the bank's adherence to industry standards.
LARK Financial Services Stock FAQ
What does Landmark Bancorp, Inc. do?
Landmark Bancorp, Inc., through its subsidiary Landmark National Bank, provides a range of financial services to individuals, businesses, and agricultural clients across Kansas. These services include deposit accounts, such as checking, savings, and money market accounts, as well as a variety of loan products, including residential mortgages, commercial real estate loans, and agricultural loans. The bank operates 30 branches in 24 communities, focusing on building strong relationships with its customers and supporting local economic development. Landmark Bancorp also offers online and mobile banking services to enhance customer convenience.
What do analysts say about LARK stock?
Analyst coverage of Landmark Bancorp, Inc. (LARK) is limited, reflecting its smaller market capitalization and regional focus. However, analysts generally view the company as a stable community bank with a solid track record of profitability. Key valuation metrics, such as the P/E ratio of 9.3, suggest that the stock is reasonably valued compared to its earnings. Growth considerations include the company's ability to expand its loan portfolio, enhance its digital banking services, and manage its operating expenses. Investors should monitor the company's financial performance and regulatory developments to assess its long-term prospects. No buy or sell recommendations are being made.
What are the main risks for LARK?
Landmark Bancorp, Inc. faces several risks inherent to the banking industry. These include credit risk, which is the risk of loan defaults; interest rate risk, which is the risk of changes in net interest income due to fluctuations in interest rates; and operational risk, which encompasses cybersecurity threats and disruptions to business operations. Furthermore, the company is subject to regulatory risk, including compliance with banking regulations and capital requirements. Economic conditions in Kansas also pose a risk, as a downturn could negatively impact loan demand and credit quality. Competition from larger banks and credit unions could erode market share and pressure margins.
What is Landmark Bancorp, Inc.'s credit quality and risk management approach?
Landmark Bancorp, Inc. maintains a focus on credit quality and employs a risk management approach designed to mitigate potential losses. The bank's loan portfolio is diversified across various sectors, including residential real estate, commercial real estate, and agriculture. The bank has established underwriting standards and credit approval processes to assess the creditworthiness of borrowers. Landmark Bancorp also monitors its loan portfolio for signs of deterioration and maintains adequate provision levels to cover potential loan losses. The bank's risk management framework includes policies and procedures for identifying, measuring, and controlling risks, as well as internal controls and independent audits to ensure compliance with regulatory requirements.
What regulatory challenges does Landmark Bancorp, Inc. face?
Landmark Bancorp, Inc. operates in a highly regulated environment and faces various regulatory challenges. These include compliance with federal and state banking regulations, such as the Dodd-Frank Act and the Bank Secrecy Act. The company must maintain adequate capital levels to meet regulatory requirements and ensure its financial stability. Landmark Bancorp also faces regulatory scrutiny from banking supervisors, such as the Federal Deposit Insurance Corporation (FDIC) and the Kansas Department of Banking. Compliance with these regulations requires significant resources and expertise, and any failure to comply could result in penalties or sanctions.
What are the key factors to evaluate for LARK?
Landmark Bancorp, Inc. (LARK) holds an AI score of 88/100 (high). P/E: 9.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does LARK data refresh on this page?
LARK prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven LARK's recent stock price performance?
Landmark Bancorp, Inc. (LARK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Kansas. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available company data and may be subject to change.
- Financial metrics are as of the latest available reporting period.