Stocks · Financial Services · Banks - Regional
Landmark Bancorp, Inc. LARK
$31.36 +0.19% Close, Oct 2, 2026 · NASDAQ · Market cap $191.2M
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 6.1× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 105 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $78.8M, down 14.4% from a year earlier, slowing from 7.9% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 9%
- EPS growth (TTM, YoY)Bottom 48%
- FCF growth (TTM, YoY)Top 28%
- Revenue growth, 3-year CAGRTop 34%
- Revenue growth accelerationBottom 8%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 42%
- Gross marginTop 45%
- Operating marginBottom 34%
- Cash conversion (OCF / net income)Top 50%
- Accruals (lower is better)Bottom 45%
- Net debt / EBITDA (lower is better)Bottom 20%
- Interest coverBottom 28%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 14%
- Free-cash-flow yieldTop 25%
- EBITDA / enterprise valueBottom 40%
- Sales / enterprise valueBottom 45%
- P/E vs own 5-year history (lower is better)Bottom 49%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 37%
- 6-month returnTop 17%
- 1-year return vs S&P 500Top 35%
- Distance from 52-week highTop 46%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 43%
- Consecutive EPS beatsBottom 43%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 39%
- Maximum drawdown, 3 yearsTop 31%
- Beta vs S&P 500 (lower is better)Top 31%
- Net debt / EBITDA (lower is better)Bottom 20%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.9% | -14.4% | ↓ |
| EPS growth (YoY) | 24.0% | 18.1% | ↓ |
| Gross margin | 67.8% | 67.5% | ↓ |
| Operating margin | 19.8% | 15.2% | ↓ |
| FCF margin | 16.2% | 29.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -14.4% | 7.9% | ↓ | Bottom 9% |
| EPS growth (TTM, YoY) | 18.1% | 24.0% | ↓ | Bottom 48% |
| Gross margin | 67.5% | 67.8% | ↓ | Top 45% |
| Operating margin | 15.2% | 19.8% | ↓ | Bottom 34% |
| Net margin | 25.5% | 17.7% | ↑ | — |
| Free-cash-flow margin | 29.6% | 16.2% | ↑ | — |
| Return on invested capital | 2.3% | — | Top 42% | |
| Revenue growth, 3-year CAGR | 19.0% | — | Top 34% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.16×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 6.14×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.61%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 2.61%
- Share count change, 1 year
- +5.3%
- Share count change, 3-year CAGR
- +2.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 12, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 1 of 1
- Average EPS surprise, last 4
- +6.0%
- Average 2-day reaction, last 8
- -1.4%
- Positive 20 days after report
- 5 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +6.0% | -0.3% | -2.5% | +0.7% | — |
| Apr 29, 2026 | — | -2.3% | -3.0% | -0.7% | +12.5% |
| Jan 28, 2026 | — | -2.1% | +5.2% | +5.6% | -0.6% |
| Oct 29, 2025 | — | +0.9% | -5.3% | +7.8% | +5.0% |
| Jul 24, 2025 | — | -3.8% | -7.4% | -4.1% | -5.0% |
| Apr 30, 2025 | — | -2.7% | -1.7% | +0.2% | -9.7% |
| Feb 4, 2025 | — | -0.7% | +3.6% | -3.3% | +18.0% |
| Oct 30, 2024 | — | -0.1% | +3.5% | +20.2% | +23.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.88 | $0.83 | +6.0% | $19.2M |
| Apr 29, 2026 | $0.83 | — | — | $24.0M |
| Jan 28, 2026 | $0.77 | — | — | $24.7M |
| Oct 29, 2025 | $0.81 | — | — | — |
| Jul 24, 2025 | $0.71 | — | — | $23.7M |
| Apr 30, 2025 | $0.77 | — | — | $22.7M |
| Feb 4, 2025 | $0.68 | — | — | $22.3M |
| Oct 30, 2024 | $0.65 | — | — | $23.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.4× | 9.1× | 57th | Top 14% |
| P/E (forward) | 9.0× | — | — | — |
| EV / EBITDA | 20.7× | — | — | Bottom 40% |
| EV / Sales | 3.45× | — | — | Bottom 45% |
| Free-cash-flow yield | 12.20% | — | — | Top 25% |
| Earnings yield | 10.59% | — | — | Top 14% |
P/E over the past five years
Range 6.2× – 12.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +17.4%
- Earnings per share growth (TTM)
- +18.1%
- Change in P/E multiple
- +4.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 105
- 50-day average slope (20 days)
- +1.6%
- 200-day average slope (20 days)
- +1.6%
- Distance from 50-day average
- -1.9%
- Distance from 200-day average
- +9.2%
- RSI (14)
- 44.8
- Relative volume
- 0.69×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.7%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.43
- Correlation with S&P 500
- 0.23
- Current drawdown from 1-year high
- -5.9%
- Maximum drawdown, 3 years
- -22.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 3, 2021 | Oct 25, 2023 | -41.9% | 475 days | 349 days (Mar 19, 2025) |
| May 2, 2025 | Mar 18, 2026 | -22.1% | 219 days | 69 days (Jun 26, 2026) |
| Mar 19, 2021 | May 6, 2021 | -17.1% | 33 days | 102 days (Sep 30, 2021) |
| Dec 18, 2020 | Dec 30, 2020 | -11.5% | 7 days | 8 days (Jan 12, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $191.2M
- P/E (TTM)
- 9.4
- EPS, diluted (TTM)
- $3.32
- Revenue (TTM)
- $78.8M
- Dividend yield
- 2.68%
- 52-week range
- $23.57 – $34.60
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $62.1M | $56.9M | $77.9M | $88.6M | $96.0M |
| Gross profit | $60.1M | $52.6M | $56.2M | $58.2M | $68.3M |
| Operating income | $22.8M | $11.3M | $14.2M | $14.1M | $23.1M |
| Net income | $18.0M | $9.9M | $12.2M | $13.0M | $18.8M |
| EPS (diluted) | $3.11 | $1.71 | $2.12 | $2.26 | $3.07 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $23.3M | $22.3M | $22.7M | $23.7M | $24.8M | $24.7M | $24.0M | $5.2M |
| Net income | $3.9M | $3.3M | $4.7M | $4.4M | $4.9M | $4.7M | $5.1M | $5.4M |
| EPS (diluted) | $0.68 | $0.57 | $0.81 | $0.75 | $0.85 | $0.77 | $0.83 | $0.87 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $31.2M | $24.8M | $12.6M | $14.2M | $21.6M |
| Capital expenditure | -$1.3M | -$876,000 | -$995,000 | -$2.3M | -$605,000 |
| Free cash flow | $29.8M | $23.9M | $11.6M | $11.9M | $21.0M |
| Dividends paid | -$3.8M | -$4.2M | -$4.4M | -$4.6M | -$4.9M |
| Net share buybacks | $22,000 | -$1.2M | -$75,000 | -$338,000 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $367.1M
- Total assets
- $1.61B
- Total liabilities
- $1.44B
- Total debt
- $106.7M
- Net debt
- $80.4M
- Shareholders’ equity
- $166.9M
As of Jun 30, 2026 (filed Aug 12, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 13, 2026 | $0.21 | Aug 27, 2026 |
| May 14, 2026 | $0.21 | May 28, 2026 |
| Feb 12, 2026 | $0.21 | Feb 26, 2026 |
| Nov 12, 2025 | $0.21 | Nov 26, 2025 |
| Aug 13, 2025 | $0.21 | Aug 27, 2025 |
| May 21, 2025 | $0.21 | Jun 4, 2025 |
| Feb 19, 2025 | $0.21 | Mar 5, 2025 |
| Nov 13, 2024 | $0.21 | Nov 27, 2024 |
Short interest
- Shares sold short
- 113,569
- Days to cover
- 11.95
- Change vs previous report
- -1.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 1, 2025
- 21-for-20
- Dec 2, 2024
- 21-for-20
- Nov 30, 2023
- 21-for-20
- Dec 1, 2022
- 21-for-20
- Nov 30, 2021
- 21-for-20