CoverageForm 410-K10-Q8-K13D13G13F

LARK · Landmark Bancorp Inc - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · LARK

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$1.28M$1.33M$1.27M$1.13M$997.0K$987.0K
Operating Income$23.05M$14.09M$14.19M$11.31M$24.28M$24.28M
Interest Expense--$21.39M$4.35M$1.51M$2.77M
Income Tax$4.28M$1.09M$1.95M$1.43M$4.81M$4.79M
Net Income$18.8K$13.00M$12.24M$9.88M$18.01M$19.49M
EPS - Basic$3.09$2.15$2.02$1.63$3.12$3.37
EPS - Diluted$3.07$2.15$2.02$1.62$3.11$3.37

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents-----$84.82M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$1.61B$1.57B$1.56B$1.50B$1.33B$1.19B
Current Liabilities------
Long-term Debt------
Total Liabilities$1.45B$1.44B$1.43B$1.39B$1.19B$1.06B
Stockholders' Equity$160.63M$136.22M$126.91M$111.43M$135.64M$126.67M
Retained Earnings$63.66M$56.93M$54.28M$52.17M$52.59M$44.95M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$21.63M$14.24M$12.60M$24.78M$31.16M$14.81M
Investing Cash Flow($21.37M)($18.11M)($50.61M)($197.16M)($56.45M)($104.55M)
Financing Cash Flow$441.0K($2.96M)$41.95M$6.32M$129.69M$160.86M
CapEx$605.0K$2.32M$995.0K$876.0K$1.32M$359.0K
Free Cash Flow$21.03M$11.92M$11.61M$23.90M$29.84M$14.46M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income1120.050.920.952.421.660.74
R&D / Revenue------
SG&A / Revenue------
Effective tax rate99.6%7.7%13.8%12.7%21.1%19.7%
Return on assets0.0%0.8%0.8%0.7%1.4%1.6%
Return on equity0.0%9.5%9.6%8.9%13.3%15.4%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage--0.7x2.6x16.1x8.8x
Equity multiplier10.0011.5612.3013.499.809.38
Liabilities / Assets0.900.910.920.930.900.89
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E8.5x10.6x8.9x12.0x8.0x5.6x
P / B997.6x967.7x775.6x920.3x914.8x0.7x
P / S------
EV / EBITDA6585.8x8545.8x6366.8x8240.7x4908.9x0.2x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)63.6%-0.7%25.5%-53.4%0.0%100.4%
Net income growth (YoY)-99.9%6.3%23.9%-45.2%-7.6%82.8%
EPS growth (YoY)42.6%6.4%24.5%-47.8%-7.8%46.0%
EPS CAGR (3y)23.6%-11.5%-15.7%-11.1%9.2%47.1%
EPS CAGR (5y)-1.9%-1.4%-3.3%8.9%6.1%3.0%
FCF growth (YoY)76.5%2.6%-51.4%-19.9%106.4%75.3%
FCF CAGR (5y)7.8%7.6%-8.1%71.6%10.1%20.0%
Book value growth (YoY)17.9%7.3%13.9%-17.8%7.1%16.6%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

3/9
Weak
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

CompanyRevenue (last FY)Net marginROE
HBAN---
UMBF--9.1%
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%

Comparing LANDMARK BANCORP INC against the 5 most active filers in the same SIC group.

Dividends

$0.82/share trailing 12 months · +5.0% YoY

Ex-datePer share
May 14, 2026$0.2100
Feb 12, 2026$0.2100
Nov 12, 2025$0.2000
Aug 13, 2025$0.2000
May 21, 2025$0.2000
Feb 19, 2025$0.2000
Nov 13, 2024$0.1905
Aug 21, 2024$0.1905
May 14, 2024$0.1905
Feb 13, 2024$0.1905
Nov 14, 2023$0.1814
Aug 22, 2023$0.1814
May 16, 2023$0.1814
Feb 14, 2023$0.1814
Nov 15, 2022$0.1814
Aug 9, 2022$0.1814
May 10, 2022$0.1814
Feb 15, 2022$0.1814
Nov 9, 2021$0.1645
Aug 10, 2021$0.1645
May 18, 2021$0.1645
Feb 16, 2021$0.1645
Nov 9, 2020$0.1645
Aug 11, 2020$0.1645