COMP <GO>

LARK vs SBFG // FREE CASH FLOW YIELD

Landmark Bancorp Inc. (NASDAQ) VS. SB Financial Group Inc. (NASDAQ) • 15-METRIC TALLY: LARK 2 — SBFG 3

▲ FREE CASH FLOW YIELD LEADER: SBFG

LAST: $32.07 (-0.62%) • MKT CAP: $196.9M

fcf-yield

10.68%

LAST: $30.89 (-1.06%) • MKT CAP: $195.2M

fcf-yield

12.31%

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LARK VS. SBFG) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	LARK	SBFG	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	0.00%	9.90%	-9.90	SBFG	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield ACTIVE	10.68%	12.31%	-1.63	SBFG	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	2.47%	1.97%	+0.50	LARK	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	5/9	0.00	TIE	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	53.0	64.1	-11.03	SBFG	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	—	13.0x	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$196.9M	$195.2M	$1.6M	LARK	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	LARK REV	SBFG REV	LARK GROSS %	SBFG GROSS %	LARK FCF	SBFG FCF
FY 2025	$0	$0	—	—	$21.0M	$24.0M
FY 2024	$0	$0	—	—	$11.9M	$9.5M
FY 2023	$0	$0	—	—	$12.6M	$14.0M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

LARK // BETA —

SBFG // BETA —