ROARABLE
Today ⌘ Pro Terminal Big Ideas 🎲 Predictions Screener 🦋 Butterfly 8 Analysts 🏛️ Policy 🎬 Video ★ Watchlist 🎲 Prediction Markets 📊 RQD Track Record 📅 Next Catalysts 🛡️ Overlap & Crash X-Ray 📰 Live Wire 🐋 13F Whales 🏛️ Congress & CEO Buys 🏆 $100K Arena ⌘ Pro Terminal 📐 Methodology & Corrections
Stock Ratings / Financials / LARK / earnings
SBFG (71) CBFV (62) FINW (47) GBFH (46) ⌘ Pro Terminal →

Landmark Bancorp Inc. (LARK) Next Earnings Date & Expected ±3.3% Move

$32.07 -0.62% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $31.97

Landmark Bancorp Inc. (LARK) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY) →
ROARABLE D+ • SELL / AVOID Cap $196.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LARK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LARK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-02, Landmark Bancorp Inc. (NASDAQ: LARK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $32.07 (-0.62% 1D, market cap $196.9M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, LARK ranks #525 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LARK compare to SBFG and CBFV in the Financials sector?
▼

Within the Financials sector (Major Banks), LARK carries a Roarable D+ (57/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, SBFG (SB Financial Group Inc.) holds a B- grade (71/100 RQD, P/E 14.0x, ROIC 9.9%, cap $195.2M) and CBFV (CB Financial Services Inc.) posts a C grade (62/100 RQD, P/E 41.7x, ROIC 3.1%, cap $204.3M). Among the 5-stock peer group, GBFH leads on earnings multiple (10.6x) while GBFH leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LARK?
▼

Per LARK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001141688), Landmark Bancorp Inc. generated $0 in revenue, $18.8K in net income, and $21.0M in free cash flow against $1.61B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $31.97 (-0.30%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510057
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C
Cash (12)Whales (8)SEC (13)Macro (12)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-0.4% Base Target
$38 Bull$32 Base$25 Bear
📬 FREE LARK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LARK)Realized 20D OHLCV Swing Band: ±3.3%
Deterministic 5-Pillar Attribution (57/100 Composite)
🔍 WHY LARK SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 0.5% FCF Margin ($21.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
49
Grade D$31.16+1.1% Next Q
Q2 (-2Q)
52
Grade C-$31.51+3.6% Next Q
Q3 (-1Q)
54
Grade C-$32.63-1.7% Next Q
Current
57
Grade D+$32.07-0.2% Hist 90D α
Trajectory: D (49) → D+ (57)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LARK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (D+) score, LARK faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.85) or 200D SMA ($29.20) invalidates the momentum regime and cuts Target Base ($31.93) toward Bear Floor ($24.91).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LARK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “LARK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 57%NO 43%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±3.3% Swing Band

±$1.06 Expected Swing
$31.01 (-3.3%)Spot $32.07$33.13 (+3.3%)
MODEL EARNINGS SETUP GAUGE

LARK Quantitative Pre-Earnings Setup: 57/100

Trailing EPS: $4.25 • YoY Revenue Growth: 12.4%

Model Bullish Setup (57/100)Model Risk Weight (43/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$0$18.8K$21.0M52%
FY 20242024-12-31$0$13.0K$11.9M52%
FY 20232023-12-31$0$12.2K$12.6M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LARK)

  • ✓Walkthrough of LARK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
LARK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.93%▲ ASCENDING CHANNEL
2026-10-30O $31.91H $32.39L $31.90C $32.07VOL 5.7K
RES: $35.86SUP: $30.96SMA50: $31.85SMA200: $29.20
$35.22$32.64$30.06$27.48$24.90RES $35.86SUP $30.96$32.072026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LARK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LARK Butterfly Map → + Track LARK →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LARK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LARK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for LARK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LARK)

Financials Rank #525 of 1096 ⚔️ SBFG vs LARK Full Matrix →

1. Head-to-Head Financials Peer Comparison (LARK vs. SBFG, CBFV, FINW, GBFH)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Landmark Bancorp Inc. (LARK) ranks #525 by composite RQD confidence (57/100, grade D+) and #885 by equity capitalization ($196.9M). Within this direct 5-issuer industry benchmark cohort, GBFH leads on earnings valuation at 10.6x trailing P/E, while GBFH leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. SBFG currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with LARK at 57/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
LARK ACTIVE
Landmark Bancorp Inc.
D+ 57/100 — — 0.0% -0.62% $196.9M Benchmark Subject
SBFG
SB Financial Group Inc.
B- 71/100 14.0x — 9.9% -1.06% $195.2M /sbfg-vs-lark →
CBFV
CB Financial Services Inc.
C 62/100 41.7x — 3.1% -1.34% $204.3M /cbfv-vs-lark →
FINW
FinWise Bancorp
D 47/100 11.5x — 8.3% -1.05% $185.1M /finw-vs-lark →
GBFH
GBank Financial Holdings Inc.
D 46/100 10.6x — 12.6% -0.39% $220.9M /gbfh-vs-lark →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001141688

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Landmark Bancorp Inc. (LARK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $18.8K, operating cash flow of $21.6M, and free cash flow of $21.0M (+76.5% YoY). On the balance sheet, LARK closed FY2025 with $1.61B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 $18.8K $21.6M $21.0M $1.61B —
FY2024 (FY) 2024-12-31 $0 $13.0K $14.2M $11.9M $1.57B —
FY2023 (FY) 2023-12-31 $0 $12.2K $12.6M $12.6M — —

3. LARK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LARK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Landmark Bancorp Inc. (NASDAQ: LARK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $32.07 (-0.62% 1D, market cap $196.9M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, LARK ranks #525 in composite RQD confidence.

How does LARK compare to SBFG and CBFV in the Financials sector?

Within the Financials sector (Major Banks), LARK carries a Roarable D+ (57/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, SBFG (SB Financial Group Inc.) holds a B- grade (71/100 RQD, P/E 14.0x, ROIC 9.9%, cap $195.2M) and CBFV (CB Financial Services Inc.) posts a C grade (62/100 RQD, P/E 41.7x, ROIC 3.1%, cap $204.3M). Among the 5-stock peer group, GBFH leads on earnings multiple (10.6x) while GBFH leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LARK?

Per LARK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001141688), Landmark Bancorp Inc. generated $0 in revenue, $18.8K in net income, and $21.0M in free cash flow against $1.61B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LARK trading relative to its 50-day, 200-day, and 52-week technical levels?

LARK last traded at $32.07 (-0.62% on volume of 5,728 shares), positioning the stock +0.69% above its 50-day simple moving average ($31.85) and +9.83% above its 200-day simple moving average ($29.20). Across its 52-week range of $23.57 to $34.60, LARK sits at the 77.1% percentile with a 14-day RSI of 53.0 (NEUTRAL RANGE) and an implied next-earnings move of ±3.3% ($31.01 to $33.13).

LARK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is LARK's next earnings date?

Based on SEC filing cadence, Landmark Bancorp Inc. (LARK)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is LARK stock expected to move on earnings?

Volatility modeling currently projects a ±3.3% event move for LARK, spanning a range between $31.01 and $33.13.

Direct Sub-Reports: LARK RQD Cockpit LARK 12M Forecast LARK Earnings & Move LARK Dividends & DRIP LARK Insiders & 13F LARK Whale Options LARK Profit Sankey LARK News & Why
ROARABLE RATING BRIEF • RQD 57/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

LARK — Landmark Bancorp Inc.: What the Facts Mean to a Prospective Investor

Engine: Haiku 5.5 Dossier Pipeline
As of: 2026-11-02T14:21Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD 5-pillar rating engine, Landmark Bancorp Inc. (LARK) carries a composite score of 57/100 (D+ — Roarable Sell — Weak Fundamentals / Trim) at a current price of $32.07 (-0.62%). Fundamental cash generation scores 12/20 (ROIC 0.0%, FCF yield 10.68%), institutional 13F whale accumulation scores 8/20, insider conviction scores 12/20, macro regime alignment scores 12/20 (Beta 1.00), and forensic balance-sheet protection scores 13/20 (Altman Z-Score N/A, Piotroski F-Score 5/9).

Investor Implication: At current trailing P/E and current forward P/E within Major Banks, upside depends on sustained operating margin expansion (—) and free cash flow conversion relative to the 52-week range of $23.57 – $34.60.

Butterfly Effect: Supply-Chain, Sector & Catalyst Ripples

Operating in Major Banks (Financials), LARK is sensitive to 2nd-order capital expenditure cycles, input cost spreads (gross margin —), and institutional positioning across its peer cohort. Prospective investors should monitor quarterly order backlog conversion, sector capex guidance, and Form 4 insider cluster activity (0 recent filings tracked).

Open Questions to Watch: (1) Margin trajectory vs. peer median; (2) FCF conversion sustainability over the next 4 quarters; (3) Institutional 13F rebalancing around upcoming earnings.

LARK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Landmark Bancorp Inc. (LARK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LARK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LARK Bull vs. Bear Conversation Board — What's Your Call at $32.07?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LARK 🐻 50% BEARISH CONVICTION
1. Pick Your Side on LARK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $34.64 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is LARK (D+ • RQD 57/100) a Buy at $32.07?

Welcome to the LARK (Landmark Bancorp Inc.) Roar Pit. Current RQD Composite is 57/100 (Roarable Sell — Weak Fundamentals / Trim) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $25.34 (-21.0%)
Spot @ $32.07

Pump the brakes on LARK — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on LARK, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Landmark Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $36.56 (+14.0%)
Spot @ $32.07

LARK cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on LARK, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $32.07 (52-wk range $23.57 - $34.60), any beat on forward guidance forces shorts and underweight funds to chase.

LIVE TAPE SPY $755.72 -0.38% QQQ $690.49 -1.44% DIA $517.13 -0.37% IWM $279.33 +0.96% NVDA $204.64 -4.22% AAPL $344.63 -1.23% MSFT $521.91 -1.55% TSLA $399.81 -0.86% PLTR $184.11 -6.27% SOFI $16.76 -4.83% IBIT $43.36 -0.94% GLD $355.78 -1.34%