Landmark Bancorp, Inc. (LARK) Stock

Landmark Bancorp, Inc. (LARK) is a Financials stock trading at $30.85 (as of 2026-07-17), with a market capitalization of $188.11M and a trailing P/E of 9.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Landmark Bancorp, Inc., the financial holding company for Landmark National Bank, provides banking products and services, including deposit accounts, certificates of deposit, lending for residential and commercial purposes, and consumer loans, along with related insurance and mobile and online banking. It operates branches across Kansas and serves local communities.

Understand Landmark Bancorp, Inc.: how it makes money

Landmark Bancorp, Inc. (Landmark National Bank) provides retail and commercial banking products, including deposit accounts and certificates of deposit, and it earns interest income from a mix of residential real estate, commercial real estate, commercial, consumer, and other loans.

For a local bank like Landmark National Bank, profitability is fundamentally driven by how effectively it turns deposits into loans (loan to deposits), and how much credit risk those loans take on (non performing loans and credit loss coverage).

Business quality (Solid): Current credit metrics show some asset quality risk, but the allowance coverage and low non accrual balances suggest underwriting is being actively managed.

Valuation: At 10× earnings, LARK trades 25% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Asset quality is being monitored through key credit metrics: Non-Performing Loans as a Percentage of Gross Loans is 0.94 percent, and Non-Accrual Loans (Non-Accrual) is 0.01 USD_B.
  • Credit loss coverage is measurable and tracked: Allowance for Credit Losses as a Percentage of Gross Loans is 1.15 percent.
  • Local deposit and banking footprint: Bank Locations are 29.0 count.

Bear case

  • Non performing loans are not zero: Non-Performing Loans as a Percentage of Gross Loans is 0.94 percent, so credit issues remain a watch item.
  • Liquidity and funding structure can amplify stress: Loan to Deposits Ratio is 82.1 percent, meaning loan growth relative to deposits depends on maintaining funding.
  • Potential deposit funding sensitivity: Estimated Uninsured Deposits are 0.17 USD_B.
Valuation — source: SEC EDGAR (first-party)
Price$30.85
Market Cap$188.11M
P/E Ratio9.8
EV / EBITDA7.5
Price / Book1.16
Price / Sales2.30
FCF Yield10.5%
DCF Value (model)$65.07
DCF Upside vs Price110.9%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$81.02M
Net Margin23.2%
Revenue Growth (YoY)4.7%
EPS Growth (YoY)2.5%
FCF Growth (YoY)-15.8%
Valuation vs Sector & Industry
Stock P/E9.8
Sector P/E (Financials)15.5
Industry P/E (Banking)13.5
vs Sector-36.6%
vs Industry-27.3%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderMANUFACTURERS LIFE INSURANCE COMPANY, THE ($7.50M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOAbigail Wendel
Employees283
CountryUS
IPO Date1994-03-28

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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  • Meridian Corporation (MRBK)
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  • Community Bancorp (CMTV)
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LARK earnings history · LARK institutional & insider holders · LARK KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-17.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.