Breaking Down Landmark Bancorp, Inc. (LARK) Financial Health: Key Insights for Investors

Are you looking to understand the financial health of Landmark Bancorp, Inc. (LARK) and gain key insights for making informed investment decisions? Did you know that Landmark Bancorp's net earnings for 2024 increased by 6.3% to $13.0 million, driven by higher loan yields and balances? How did the bank manage to maintain stable deposits at $1.3 billion while also increasing its allowance for credit losses? Dive in to explore the critical financial metrics, growth drivers, and strategic decisions that shape Landmark Bancorp's performance and potential in the market.

Landmark Bancorp, Inc. (LARK) Revenue Analysis

To understand the financial health of Landmark Bancorp, Inc. (LARK), a detailed analysis of its revenue streams is essential. By breaking down the components of Landmark Bancorp, Inc.'s revenue, investors can gain insights into the bank's core business activities and their impact on its overall financial performance.

Here's a breakdown of key aspects of Landmark Bancorp, Inc.'s revenue streams:

Breakdown of Primary Revenue Sources:

Landmark Bancorp, Inc.'s revenue is primarily derived from:

• Interest Income: This includes income from loans, including commercial, real estate, and consumer loans, as well as investment securities. The yield on these assets and the volume of lending and investment activities significantly influence this revenue stream.
• Non-Interest Income: This encompasses various fees and service charges, such as deposit account fees, wealth management fees, and other transaction-based income.

Year-over-Year Revenue Growth Rate:

Analyzing the year-over-year revenue growth rate provides insights into Landmark Bancorp, Inc.'s ability to expand its business and increase its earnings. Examining historical trends in revenue growth helps investors assess the bank's performance over time. For instance, comparing the revenue growth rate over the past few years can reveal whether the bank is experiencing consistent growth, stagnation, or decline.

Contribution of Different Business Segments to Overall Revenue:

Understanding the contribution of different business segments helps identify which areas are driving revenue growth and profitability. For Landmark Bancorp, Inc., key business segments to consider include:

• Commercial Banking: Revenue from loans and services provided to businesses.
• Retail Banking: Revenue from services offered to individual customers, including deposit accounts and consumer loans.
• Wealth Management: Fees generated from managing client assets and providing financial advisory services.

The following table illustrates a hypothetical breakdown of revenue contribution by segment:

Analysis of Any Significant Changes in Revenue Streams:

Investors should be aware of any significant changes in Landmark Bancorp, Inc.'s revenue streams, such as:

• New Products or Services: Introduction of new offerings that generate additional revenue.
• Regulatory Changes: Changes in regulations that impact fee income or lending activities.
• Economic Conditions: Fluctuations in interest rates or economic growth that affect loan demand and profitability.

For example, if Landmark Bancorp, Inc. introduces a new digital banking platform that attracts a large number of customers, this could lead to a significant increase in deposit account fees and transaction-based income.

To gain more insight into Landmark Bancorp, Inc. (LARK) and its investors, check out this in-depth profile: Exploring Landmark Bancorp, Inc. (LARK) Investor Profile: Who’s Buying and Why?

Landmark Bancorp, Inc. (LARK) Profitability Metrics

Understanding Landmark Bancorp, Inc. (LARK)'s financial health requires a close examination of its profitability metrics. Key indicators such as gross profit, operating profit, and net profit margins reveal how efficiently the company generates earnings from its revenue.

To assess Landmark Bancorp, Inc.'s profitability, one can look at these factors:

• Gross Profit Margin: This ratio indicates the percentage of revenue remaining after deducting the cost of goods sold. A higher gross profit margin suggests greater efficiency in production and cost management.
• Operating Profit Margin: This metric measures the percentage of revenue remaining after deducting both the cost of goods sold and operating expenses. It reflects the company's profitability from its core business operations.
• Net Profit Margin: Representing the percentage of revenue remaining after all expenses, including taxes and interest, have been deducted, this margin offers a comprehensive view of the company's overall profitability.

Analyzing trends in these profitability metrics over time provides insights into Landmark Bancorp, Inc.'s performance trajectory. Consistent improvement in these margins may indicate enhanced operational efficiency or successful strategic initiatives, while declines could signal challenges such as rising costs or increased competition.

Comparing Landmark Bancorp, Inc.'s profitability ratios with industry averages helps benchmark its performance against peers. This comparative analysis can reveal whether the company is outperforming or underperforming relative to its competitors, offering valuable context for investors.

Operational efficiency plays a crucial role in driving profitability. Effective cost management practices and favorable gross margin trends can contribute to stronger profitability. Monitoring these aspects helps assess the company's ability to control expenses and optimize its revenue generation.

Here is a sample table illustrating how profitability metrics can be tracked. Note that this is an example, and real data should be used to fill in the values.

For further insights, you might find this resource helpful: Breaking Down Landmark Bancorp, Inc. (LARK) Financial Health: Key Insights for Investors.

Landmark Bancorp, Inc. (LARK) Debt vs. Equity Structure

Understanding how Landmark Bancorp, Inc. (LARK) finances its growth involves analyzing its debt levels, debt-to-equity ratio, and recent financing activities. This provides insights into the company's financial strategy and risk profile.

As of December 31, 2024, Landmark Bancorp, Inc. (LARK) reported the following debt details:

• Total long-term debt: $37.941 million
• Total short-term debt: $1.844 million

The debt-to-equity ratio is a critical metric for evaluating a company's financial leverage. As of December 31, 2024, Landmark Bancorp, Inc.'s (LARK) debt-to-equity ratio stood at 0.21. This ratio is calculated by dividing the total liabilities by shareholders equity. The company's total liabilities were $244.692 million and total equity was $1.174 billion.

A debt-to-equity ratio of 0.21 indicates that Landmark Bancorp, Inc. (LARK) has a relatively low level of debt compared to its equity. This suggests a more conservative financing approach. The industry average for banks is around 0.70, making Landmark Bancorp, Inc. (LARK) less leveraged than its peers.

Recent activities, such as debt issuances or refinancing, can significantly impact a company's capital structure. There is no information about recent debt issuances or refinancing activity, so it is assumed that they were none. This suggests stability in its current debt structure.

Landmark Bancorp, Inc. (LARK) strategically balances debt and equity to fund its operations and growth. The company's approach to financing is evident in its debt-to-equity ratio of 0.21, which is lower than the industry average. This indicates a preference for equity funding, reducing financial risk. The decision to maintain a lower debt level allows for greater financial flexibility and stability.

Here’s a summary of Landmark Bancorp, Inc.'s (LARK) debt and equity structure:

Explore more insights into Landmark Bancorp, Inc.'s (LARK) financial health: Breaking Down Landmark Bancorp, Inc. (LARK) Financial Health: Key Insights for Investors

Landmark Bancorp, Inc. (LARK) Liquidity and Solvency

Understanding Landmark Bancorp, Inc.'s financial health requires a close examination of its liquidity and solvency positions. Liquidity refers to the company's ability to meet its short-term obligations, while solvency indicates its capacity to meet long-term debts.

Assessing Landmark Bancorp, Inc.'s Liquidity:

Analyzing Landmark Bancorp, Inc.'s liquidity involves looking at several key metrics and financial statements. These include:

• Current and Quick Ratios: These ratios provide insights into the company's ability to cover its short-term liabilities with its current assets.
• Working Capital Trends: Monitoring the trends in working capital (current assets minus current liabilities) can reveal whether the company's liquidity position is improving or deteriorating.
• Cash Flow Statements Overview: Examining the cash flow statements, particularly operating, investing, and financing cash flows, helps understand the sources and uses of cash.

By evaluating these components, investors can identify any potential liquidity concerns or strengths within Landmark Bancorp, Inc..

Key Liquidity Indicators

The current ratio is calculated by dividing current assets by current liabilities. A higher current ratio generally indicates better liquidity. The quick ratio, also known as the acid-test ratio, is a more conservative measure that excludes inventory from current assets before dividing by current liabilities. This ratio provides a better assessment of a company's ability to meet its short-term obligations without relying on the sale of inventory.

Cash Flow Statement Analysis

The cash flow statement is a critical tool for assessing liquidity. It categorizes cash flows into three main activities:

• Operating Activities: Cash generated or used from the company's core business operations. Positive operating cash flow is generally a good sign.
• Investing Activities: Cash flow related to the purchase or sale of long-term assets, such as property, plant, and equipment (PP&E).
• Financing Activities: Cash flow related to debt, equity, and dividends.

Here's an example of how cash flow activities might look in a table format:

A consistent positive trend in operating cash flow indicates strong liquidity. Negative investing cash flow might be acceptable if the company is investing in growth opportunities. Financing cash flow can vary depending on the company's capital structure and dividend policies.

Working Capital Management

Effective working capital management is crucial for maintaining liquidity. This involves:

• Managing inventory levels
• Collecting receivables promptly
• Optimizing payment terms with suppliers

Changes in working capital accounts can significantly impact a company's cash flow. For example, an increase in accounts receivable could indicate that the company is having trouble collecting payments from customers, which could strain liquidity.

To gain more insights into Landmark Bancorp, Inc. (LARK) and its investors, check out this related article: Exploring Landmark Bancorp, Inc. (LARK) Investor Profile: Who’s Buying and Why?

Landmark Bancorp, Inc. (LARK) Valuation Analysis

When evaluating Landmark Bancorp, Inc. (LARK) for investment opportunities, several key financial metrics and market indicators should be considered. These include price ratios, stock performance, dividend information, and analyst ratings, which together paint a picture of whether the stock is currently overvalued or undervalued. Here is Mission Statement, Vision, & Core Values of Landmark Bancorp, Inc. (LARK).

Price Ratios:

• Price-to-Earnings (P/E) Ratio: As of April 2025, Landmark Bancorp's P/E ratio ranges from 12.16 to 12.3. A higher P/E ratio might suggest expectations of stronger future earnings growth, while a lower P/E ratio could indicate the stock is undervalued or that growth is slowing.
• Price-to-Book (P/B) Ratio: The P/B ratio for Landmark Bancorp is approximately 1.13. This ratio compares a company's market capitalization to its book value, with a lower value potentially indicating undervaluation.
• Enterprise Value-to-EBITDA (EV/EBITDA) Ratio: It is important to note that the EV/EBITDA ratio is typically not applied to banks.

Stock Price Trends:

• Over the past year, Landmark Bancorp (LARK) has shown a significant increase of approximately 50.86%.
• The stock reached a 52-week high of $28.55.
• Recent data indicates the stock price was around $27.73 as of April 17, 2025, reflecting a 0.65% increase.

Dividend Information:

• Dividend Yield: Landmark Bancorp's dividend yield is around 3.03% to 3.33%.
• Payout Ratio: The dividend payout ratio is approximately 37.17%. This indicates the percentage of earnings paid out as dividends.
• The last ex-dividend date was February 19, 2025, with a dividend payment of $0.21 per share.
• The company has a history of consecutive stock dividends and consistent quarterly cash dividends.

Analyst Consensus:

• The average brokerage recommendation for Landmark Bancorp Inc. is 2.2, which indicates an 'Outperform' status.
• This is based on a scale where 1 signifies 'Strong Buy' and 5 signifies 'Sell'.

Additional Valuation Metrics:

Financial Health Indicators:

Revenue and Earnings:

Landmark Bancorp reported annual net earnings of $13 million for 2024. The company's revenue for the trailing twelve months (TTM) ended in December 2024 was $58.17 million.

Considering these factors, investors can form a more comprehensive view of Landmark Bancorp, Inc.'s financial health and valuation. These metrics aid in assessing whether the stock aligns with their investment strategy and risk tolerance.

Landmark Bancorp, Inc. (LARK) Risk Factors

Landmark Bancorp, Inc. (LARK) faces a variety of internal and external risks that could impact its financial health. These risks span industry competition, regulatory changes, and overall market conditions. Understanding these potential challenges is crucial for investors.

Here's an overview of key risk areas:

• Industry Competition: The banking sector is highly competitive. Landmark Bancorp, Inc. (LARK) competes with other community banks, regional banks, and larger national institutions. Increased competition can put pressure on interest rates and fees, potentially reducing profitability.
• Regulatory Changes: Banks are subject to extensive regulation at both the state and federal levels. Changes in regulations can increase compliance costs, limit business activities, and impact capital requirements.
• Market Conditions: Economic downturns, changes in interest rates, and other market fluctuations can significantly affect a bank's performance. For example, rising interest rates can decrease demand for loans, while a recession can lead to increased loan defaults.

Operational, financial, and strategic risks are often detailed in Landmark Bancorp, Inc.'s (LARK) earnings reports and filings. These may include:

• Credit Risk: The risk that borrowers will default on their loans. This is a primary risk for any lending institution. Effective credit risk management is essential to maintaining financial stability.
• Interest Rate Risk: The risk that changes in interest rates will negatively impact earnings. Banks must carefully manage the maturity and repricing of their assets and liabilities to mitigate this risk.
• Liquidity Risk: The risk of not having sufficient cash to meet obligations. This can arise from deposit withdrawals or a sudden increase in loan demand.
• Operational Risk: The risk of loss resulting from inadequate or failed internal processes, people, and systems, or from external events. This includes the risk of fraud, cyberattacks, and other disruptions.

Mitigation strategies and plans are crucial for managing these risks. While specific details may vary, typical strategies include:

• Diversification: Spreading lending across different industries and geographic regions to reduce concentration risk.
• Hedging: Using financial instruments to protect against interest rate fluctuations.
• Strong Internal Controls: Implementing robust systems and procedures to prevent fraud and errors.
• Capital Adequacy: Maintaining sufficient capital reserves to absorb potential losses. Banks are required to meet certain capital adequacy ratios to ensure their solvency.

Understanding Landmark Bancorp, Inc.'s (LARK) risk profile is essential for making informed investment decisions. By considering these factors, investors can better assess the potential rewards and challenges associated with investing in the company.

Learn more about Landmark Bancorp, Inc. (LARK) investors: Exploring Landmark Bancorp, Inc. (LARK) Investor Profile: Who’s Buying and Why?

Landmark Bancorp, Inc. (LARK) Growth Opportunities

For Landmark Bancorp, Inc. (LARK), several factors could drive future growth. These include strategic initiatives, market conditions, and the broader economic environment. Analyzing these elements provides insights into the company's potential trajectory.

Key growth drivers for Landmark Bancorp, Inc. (LARK) may include:

• Product Innovation: Introducing new financial products or services that cater to evolving customer needs.
• Market Expansion: Extending its footprint into new geographic areas or demographic segments.
• Acquisitions: Acquiring other financial institutions or related businesses to increase market share or expand service offerings.

Future revenue growth projections and earnings estimates would typically be based on detailed financial modeling, taking into account historical performance, current market trends, and anticipated growth rates. However, without specific forward-looking statements from the company for the 2024 fiscal year, it’s challenging to provide precise figures. Investors should consult the company's official financial reports and investor presentations for the most accurate projections.

Strategic initiatives and partnerships can significantly influence Landmark Bancorp, Inc.'s (LARK) growth. Examples include:

• Technology Investments: Enhancing digital banking platforms and cybersecurity measures.
• Community Engagement: Strengthening relationships with local communities through sponsorships and volunteer programs.
• Strategic Alliances: Partnering with other organizations to offer complementary services or expand market reach.

Competitive advantages that could position Landmark Bancorp, Inc. (LARK) for growth include:

• Strong Local Presence: Deep roots in the communities it serves, fostering customer loyalty.
• Efficient Operations: Streamlined processes and cost-effective management.
• Customer Service Excellence: Providing personalized and responsive service.

These advantages, combined with effective strategic execution, could support Landmark Bancorp, Inc.'s (LARK) growth prospects. More insights about the company can be found here: Mission Statement, Vision, & Core Values of Landmark Bancorp, Inc. (LARK).