Landmark Bancorp, Inc. Logo

Landmark Bancorp, Inc.

LARK

(2.8)
Stock Price

24,37 USD

0.74% ROA

9.48% ROE

9.7x PER

Market Cap.

110.323.321,00 USD

126.1% DER

4.19% Yield

16.2% NPM

Landmark Bancorp, Inc. Stock Analysis

Landmark Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Landmark Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.91x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROE

The stock's ROE falls within an average range (9.48%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.71%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

7 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (114), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 DER

The stock is burdened with a heavy load of debt (107%), making it financially unstable and potentially risky for investors.

10 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

Landmark Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Landmark Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Landmark Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Landmark Bancorp, Inc. Revenue
Year Revenue Growth
1994 5.300.000
1995 6.100.000 13.11%
1996 6.600.000 7.58%
1997 7.900.000 16.46%
1998 8.200.000 3.66%
1999 8.600.000 4.65%
2000 7.978.728 -7.79%
2001 8.881.663 10.17%
2002 16.306.343 45.53%
2003 16.595.921 1.74%
2004 18.074.331 8.18%
2005 18.223.402 0.82%
2006 25.668.704 29.01%
2007 23.598.511 -8.77%
2008 25.573.714 7.72%
2009 25.664.000 0.35%
2010 27.186.000 5.6%
2011 29.789.000 8.74%
2012 30.585.000 2.6%
2013 29.736.000 -2.86%
2014 39.735.000 25.16%
2015 42.926.000 7.43%
2016 40.889.000 -4.98%
2017 33.264.000 -22.92%
2018 43.359.000 23.28%
2019 46.163.000 6.07%
2020 63.842.000 27.69%
2021 60.581.000 -5.38%
2022 52.580.000 -15.22%
2023 57.112.000 7.94%
2023 64.683.000 11.7%
2024 87.260.000 25.87%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Landmark Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Landmark Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1994 1.600.000
1995 1.900.000 15.79%
1996 1.900.000 0%
1997 2.200.000 13.64%
1998 2.500.000 12%
1999 2.500.000 0%
2000 2.338.671 -6.9%
2001 2.674.664 12.56%
2002 4.849.011 44.84%
2003 4.834.982 -0.29%
2004 5.844.352 17.27%
2005 6.120.365 4.51%
2006 8.725.051 29.85%
2007 8.226.676 -6.06%
2008 8.794.776 6.46%
2009 10.689.000 17.72%
2010 11.116.000 3.84%
2011 10.650.000 -4.38%
2012 10.994.000 3.13%
2013 12.011.000 8.47%
2014 16.281.000 26.23%
2015 17.054.000 4.53%
2016 17.101.000 0.27%
2017 16.835.000 -1.58%
2018 17.858.000 5.73%
2019 19.509.000 8.46%
2020 22.721.000 14.14%
2021 22.173.000 -2.47%
2022 20.405.000 -8.66%
2023 23.244.000 12.21%
2023 2.452.000 -847.96%
2024 22.016.000 88.86%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Landmark Bancorp, Inc. EBITDA
Year EBITDA Growth
1994 8.600.000
1995 11.300.000 23.89%
1996 11.200.000 -0.89%
1997 14.200.000 21.13%
1998 14.600.000 2.74%
1999 14.300.000 -2.1%
2000 15.281.267 6.42%
2001 14.703.663 -3.93%
2002 14.902.877 1.34%
2003 13.670.016 -9.02%
2004 14.286.119 4.31%
2005 15.663.604 8.79%
2006 25.612.274 38.84%
2007 26.371.687 2.88%
2008 21.119.901 -24.87%
2009 14.217.000 -48.55%
2010 9.495.000 -49.73%
2011 11.306.000 16.02%
2012 14.222.000 20.5%
2013 10.191.000 -39.55%
2014 16.683.000 38.91%
2015 20.018.000 16.66%
2016 17.007.000 -17.7%
2017 9.345.000 -81.99%
2018 19.075.000 51.01%
2019 13.321.000 -43.19%
2020 25.882.000 48.53%
2021 24.426.000 -5.96%
2022 17.102.000 -42.83%
2023 14.196.000 -20.47%
2023 14.190.000 -0.04%
2024 -4.940.000 387.25%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Landmark Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1994 5.300.000
1995 6.100.000 13.11%
1996 6.600.000 7.58%
1997 7.900.000 16.46%
1998 8.200.000 3.66%
1999 8.600.000 4.65%
2000 7.978.728 -7.79%
2001 8.881.663 10.17%
2002 16.306.343 45.53%
2003 16.595.921 1.74%
2004 18.074.331 8.18%
2005 18.223.402 0.82%
2006 25.668.704 29.01%
2007 23.598.511 -8.77%
2008 25.573.714 7.72%
2009 25.664.000 0.35%
2010 27.186.000 5.6%
2011 29.789.000 8.74%
2012 30.585.000 2.6%
2013 29.736.000 -2.86%
2014 39.735.000 25.16%
2015 42.926.000 7.43%
2016 40.889.000 -4.98%
2017 33.264.000 -22.92%
2018 43.359.000 23.28%
2019 46.163.000 6.07%
2020 63.842.000 27.69%
2021 60.581.000 -5.38%
2022 52.580.000 -15.22%
2023 57.112.000 7.94%
2023 64.683.000 11.7%
2024 87.600.000 26.16%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Landmark Bancorp, Inc. Net Profit
Year Net Profit Growth
1994 1.600.000
1995 1.800.000 11.11%
1996 1.400.000 -28.57%
1997 2.500.000 44%
1998 2.400.000 -4.17%
1999 2.400.000 0%
2000 2.383.365 -0.7%
2001 2.490.194 4.29%
2002 4.577.913 45.6%
2003 4.851.697 5.64%
2004 4.250.758 -14.14%
2005 3.897.164 -9.07%
2006 6.009.641 35.15%
2007 5.402.064 -11.25%
2008 4.553.000 -18.65%
2009 3.272.000 -39.15%
2010 2.043.000 -60.16%
2011 4.484.000 54.44%
2012 6.367.000 29.57%
2013 4.655.000 -36.78%
2014 8.049.000 42.17%
2015 10.506.000 23.39%
2016 8.961.000 -17.24%
2017 4.369.000 -105.1%
2018 10.426.000 58.1%
2019 10.662.000 2.21%
2020 19.493.000 45.3%
2021 18.011.000 -8.23%
2022 9.878.000 -82.33%
2023 11.512.000 14.19%
2023 12.236.000 5.92%
2024 12.048.000 -1.56%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Landmark Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 1 0%
2009 1 0%
2010 0 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 2 100%
2015 2 50%
2016 2 -100%
2017 1 0%
2018 2 100%
2019 2 0%
2020 4 66.67%
2021 3 0%
2022 2 -200%
2023 2 50%
2023 2 0%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Landmark Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1994 8.000.000
1995 3.200.000 -150%
1996 1.400.000 -128.57%
1997 9.300.000 84.95%
1998 2.600.000 -257.69%
1999 5.700.000 54.39%
2000 1.559.937 -265.4%
2001 9.819.160 84.11%
2002 8.352.068 -17.57%
2003 5.379.519 -55.26%
2004 3.505.818 -53.45%
2005 3.901.497 10.14%
2006 -2.493.100 256.49%
2007 6.655.372 137.46%
2008 5.332.455 -24.81%
2009 3.217.000 -65.76%
2010 -2.379.000 235.22%
2011 12.721.000 118.7%
2012 11.586.000 -9.8%
2013 11.448.000 -1.21%
2014 7.212.000 -58.74%
2015 5.815.000 -24.02%
2016 18.421.000 68.43%
2017 1.607.000 -1046.3%
2018 20.075.000 92%
2019 8.245.000 -143.48%
2020 14.455.000 42.96%
2021 29.835.000 51.55%
2022 23.904.000 -24.81%
2023 8.032.000 -197.61%
2023 10.430.000 22.99%
2024 2.365.000 -341.01%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Landmark Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1994 8.000.000
1995 3.400.000 -135.29%
1996 1.500.000 -126.67%
1997 9.700.000 84.54%
1998 3.300.000 -193.94%
1999 5.900.000 44.07%
2000 1.666.682 -254%
2001 9.857.660 83.09%
2002 9.112.061 -8.18%
2003 5.717.486 -59.37%
2004 4.737.837 -20.68%
2005 5.823.340 18.64%
2006 -1.620.160 459.43%
2007 7.770.275 120.85%
2008 5.332.455 -45.72%
2009 4.031.000 -32.29%
2010 -2.059.000 295.77%
2011 13.070.000 115.75%
2012 12.385.000 -5.53%
2013 12.098.000 -2.37%
2014 8.673.000 -39.49%
2015 7.038.000 -23.23%
2016 19.017.000 62.99%
2017 3.056.000 -522.28%
2018 21.383.000 85.71%
2019 9.283.000 -130.35%
2020 14.814.000 37.34%
2021 31.159.000 52.46%
2022 24.780.000 -25.74%
2023 9.124.000 -171.59%
2023 10.430.000 12.52%
2024 2.982.000 -249.77%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Landmark Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1994 0
1995 200.000 100%
1996 100.000 -100%
1997 400.000 75%
1998 700.000 42.86%
1999 200.000 -250%
2000 106.745 -87.36%
2001 38.500 -177.26%
2002 759.993 94.93%
2003 337.967 -124.87%
2004 1.232.019 72.57%
2005 1.921.843 35.89%
2006 872.940 -120.16%
2007 1.114.903 21.7%
2008 0 0%
2009 814.000 100%
2010 320.000 -154.38%
2011 349.000 8.31%
2012 799.000 56.32%
2013 650.000 -22.92%
2014 1.461.000 55.51%
2015 1.223.000 -19.46%
2016 596.000 -105.2%
2017 1.449.000 58.87%
2018 1.308.000 -10.78%
2019 1.038.000 -26.01%
2020 359.000 -189.14%
2021 1.324.000 72.89%
2022 876.000 -51.14%
2023 1.092.000 19.78%
2023 0 0%
2024 617.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Landmark Bancorp, Inc. Equity
Year Equity Growth
1994 36.600.000
1995 34.700.000 -5.48%
1996 32.400.000 -7.1%
1997 32.200.000 -0.62%
1998 25.000.000 -28.8%
1999 22.400.000 -11.61%
2000 23.662.004 5.33%
2001 26.099.388 9.34%
2002 41.073.775 36.46%
2003 42.572.103 3.52%
2004 42.168.977 -0.96%
2005 44.072.607 4.32%
2006 49.236.015 10.49%
2007 52.296.138 5.85%
2008 51.405.702 -1.73%
2009 53.895.000 4.62%
2010 53.817.000 -0.14%
2011 59.120.000 8.97%
2012 63.333.000 6.65%
2013 62.692.000 -1.02%
2014 71.645.000 12.5%
2015 80.570.000 11.08%
2016 84.951.000 5.16%
2017 87.622.000 3.05%
2018 91.901.000 4.66%
2019 108.607.000 15.38%
2020 126.672.000 14.26%
2021 135.643.000 6.61%
2022 111.433.000 -21.73%
2023 126.914.000 12.2%
2023 109.557.000 -15.84%
2024 128.253.999 14.58%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Landmark Bancorp, Inc. Assets
Year Assets Growth
1994 188.700.000
1995 208.600.000 9.54%
1996 213.700.000 2.39%
1997 227.900.000 6.23%
1998 225.400.000 -1.11%
1999 244.100.000 7.66%
2000 250.675.975 2.62%
2001 200.255.385 -25.18%
2002 341.314.180 41.33%
2003 334.046.289 -2.18%
2004 442.090.894 24.44%
2005 465.109.961 4.95%
2006 590.568.236 21.24%
2007 606.454.723 2.62%
2008 602.213.486 -0.7%
2009 584.167.000 -3.09%
2010 561.506.000 -4.04%
2011 598.240.000 6.14%
2012 614.067.000 2.58%
2013 828.301.000 25.86%
2014 863.470.000 4.07%
2015 878.376.000 1.7%
2016 911.382.000 3.62%
2017 929.454.000 1.94%
2018 985.784.000 5.71%
2019 998.465.000 1.27%
2020 1.188.027.000 15.96%
2021 1.328.968.000 10.61%
2022 1.502.867.000 11.57%
2023 1.561.672.000 3.77%
2023 1.557.586.000 -0.26%
2024 1.560.754.000 0.2%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Landmark Bancorp, Inc. Liabilities
Year Liabilities Growth
1994 152.100.000
1995 173.900.000 12.54%
1996 181.300.000 4.08%
1997 195.700.000 7.36%
1998 200.400.000 2.35%
1999 221.700.000 9.61%
2000 227.013.971 2.34%
2001 174.155.997 -30.35%
2002 300.240.405 41.99%
2003 291.474.186 -3.01%
2004 399.921.917 27.12%
2005 421.037.354 5.02%
2006 541.332.221 22.22%
2007 554.158.585 2.31%
2008 550.807.784 -0.61%
2009 530.272.000 -3.87%
2010 507.689.000 -4.45%
2011 539.120.000 5.83%
2012 550.734.000 2.11%
2013 765.609.000 28.07%
2014 791.825.000 3.31%
2015 797.806.000 0.75%
2016 826.431.000 3.46%
2017 841.832.000 1.83%
2018 893.883.000 5.82%
2019 889.858.000 -0.45%
2020 1.061.355.000 16.16%
2021 1.193.325.000 11.06%
2022 1.391.434.000 14.24%
2023 1.434.758.000 3.02%
2023 1.448.029.000 0.92%
2024 1.432.500.000 -1.08%

Landmark Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.66
Net Income per Share
2.07
Price to Earning Ratio
9.7x
Price To Sales Ratio
1.48x
POCF Ratio
8.19
PFCF Ratio
10.23
Price to Book Ratio
0.86
EV to Sales
3.26
EV Over EBITDA
54.92
EV to Operating CashFlow
18.17
EV to FreeCashFlow
22.56
Earnings Yield
0.1
FreeCashFlow Yield
0.1
Market Cap
0,11 Bil.
Enterprise Value
0,24 Bil.
Graham Number
33.01
Graham NetNet
-179.7

Income Statement Metrics

Net Income per Share
2.07
Income Quality
1.18
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.87
EBT Per Ebit
0.9
Ebit per Revenue
0.21
Effective Tax Rate
0.13

Margins

Sales, General, & Administrative to Revenue
0.18
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.82
Operating Profit Margin
0.21
Pretax Profit Margin
0.19
Net Profit Margin
0.16

Dividends

Dividend Yield
0.04
Dividend Yield %
4.19
Payout Ratio
0.4
Dividend Per Share
0.84

Operating Metrics

Operating Cashflow per Share
2.45
Free CashFlow per Share
1.97
Capex to Operating CashFlow
0.19
Capex to Revenue
0.03
Capex to Depreciation
1.14
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.48

Balance Sheet

Cash per Share
82,10
Book Value per Share
23,44
Tangible Book Value per Share
16.44
Shareholders Equity per Share
23.44
Interest Debt per Share
34.49
Debt to Equity
1.26
Debt to Assets
0.1
Net Debt to EBITDA
30.01
Current Ratio
0.03
Tangible Asset Value
0,09 Bil.
Net Current Asset Value
-1,40 Bil.
Invested Capital
-948182999
Working Capital
-1,01 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-23076000
Debt to Market Cap
1.47

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Landmark Bancorp, Inc. Dividends
Year Dividends Growth
1994 1
1995 0 0%
1996 0 0%
1997 0 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Landmark Bancorp, Inc. Profile

About Landmark Bancorp, Inc.

Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, including automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It has 30 branch offices in 24 communities across the state of Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas.

CEO
Ms. Abigail M. Wendel
Employee
270
Address
701 Poyntz Avenue
Manhattan, 66502

Landmark Bancorp, Inc. Executives & BODs

Landmark Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Mark A. Herpich
Vice President, Secretary, Chief Financial Officer & Treasurer
70
2 Ms. Abigail M. Wendel
President, Chief Executive Officer & Director
70
3 Mr. Raymond L. McLanahan
Chief Credit Officer
70

Landmark Bancorp, Inc. Competitors