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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
SEC XBRL FY 2025 (10-K): 0.5% FCF Margin ($21.0M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Landmark Bancorp Inc. (LARK) slipped -0.62% to $32.07, trading at 77% of its 52-week range ($23.57 – $34.6). Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.
Landmark Bancorp Inc (LARK) posted record Q3 2026 revenue of $19.2 million and a 4.35% net interest margin, though gross loans declined $22.2 million as payoffs outpaced new production.
Net interest margin expanded 13 basis points as loan yields climbed.
Landmark Bancorp (NASDAQ:LARK) reported third-quarter 2026 net income of $5.5 million, or $0.89 per diluted share, as net interest income and margin expanded despite lower loan balances and seasonal public-fund deposit o
Landmark Bancorp, Inc. (LARK) Q3 2026 Earnings Call October 29, 2026 11:00 AM EDTCompany ParticipantsShelley Reed - Executive Vice President of Strategy and...
Moby summary of Landmark Bancorp, Inc.'s Q3 2026 earnings call
(LARK) on Wednesday reported net income of $5.The Manhattan, Kansas-based company said it had net income of 89 cents per share.
Announces Third Quarter 2026 Net Earnings Growth of 1.5% Manhattan, KS, Oct. 28, 2026 (GLOBE NEWSWIRE) -- Landmark Bancorp, Inc. (“Landmark”; Nasdaq: LARK) reported diluted earnings per share of $0.89 for the third quart
Landmark Bancorp (NASDAQ:LARK) reported quarterly earnings of $0.89 per share which beat the analyst consensus estimate of $0.88 by 1.14 percent. This is a 9.88 percent increase over earnings of $0.81 per share from the
OceanFirst (OCFC) delivered earnings and revenue surprises of +20.00% and +3.61%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Manhattan, KS, Oct. 26, 2026 (GLOBE NEWSWIRE) -- Landmark Bancorp, Inc.’s (“Landmark”; Nasdaq: LARK) Board of Directors declared a cash dividend of $0.21 per share, to be paid November 27, 2026, to common stockholders of
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on LARK today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for LARK. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why LARK Stock slipped -0.62% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.
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