Landmark Bancorp Inc. Common Stock (LARK)

FairStock Score: 74/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Graham-style analyst, I start with what is knowable. Landmark Bancorp is a small regional bank holding company with 273 employees, earning money from spread lending in local communities. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported net income of $5.4M and diluted EPS of $0.88. In fiscal Q1 2026, the quarter ended 2026-03-31, net income was $5.1M and EPS $0.83. Full-year FY2025 net income was $18.8M, EPS $3.07, up from FY2024 net income of $13.0M and EPS $2.15. That recent profit improvement is real. On the other hand, the FairStock Lynch category is SLOW GROWER — Shrinking: profit -0.7% a year over five years, so the long record is uneven. At the $31.42 close on 2026-10-13, FairStock calculations show P/E 9.58, P/B 1.15, ROE 12.77%, dividend yield 2.67%, beta 0.38, and Piotroski F-score 4/9. The price is not demanding if earnings hold, and P/B near 1.15 gives little premium to accounting net assets. But a bank is a leveraged trust business. Without CET1, net interest margin, nonperforming loans, reserve coverage or tangible book, I cannot judge credit and capital strength. D/E is N/A, and FCF/EV metrics do not apply. ROE near 13% is respectable but not franchise-level. The low beta and dividend help, yet slow long-term profit growth and a mediocre F-score temper the apparent cheapness. I would want stable ROE, consistent EPS, and clear capital and credit metrics before calling it a high-quality bargain.

In plain English: Landmark Bancorp is a small bank holding company that takes deposits and makes loans in local communities. It earned $5.4 million in the quarter ended June 30, 2026, and $18.8 million in 2025, so recent profits look solid, though the longer-term record is mixed. The stock price looks modest compared with recent profits and net assets, but important banking safety details are not available.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer