Landmark Bancorp Inc - Understand $lark stock

$LARK Market Cap: $138.6 Million

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Financial Snapshot

Revenue

$54.95M

TTM

Gross Margin

Net Earnings

$12.36M

TTM

Current Assets

Current Liabilities

$9.528M

Q3 2024

Current Ratio

Total Assets

$1.564B

Q3 2024

Total Liabilities

$1.424B

Q3 2024

Book Value

$139.7M

Q3 2024

Cash

$21.21M

Q3 2024

P/E

11.22

Nov 29, 2024 EST

Free Cash Flow

$13.87M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Revenue	$64.68M	$43.23M	$39.83M	$39.25M				$29.23M	$29.00M	$27.85M	$22.11M	$22.05M	$22.59M
YoY Change	49.64%	8.54%	1.46%					0.8%	4.12%	25.95%	0.27%	-2.36%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2016	2015	2014	2013	2012	2011
Revenue	$64.68M	$43.23M	$39.83M	$39.25M	$29.23M	$29.00M	$27.85M	$22.11M	$22.05M	$22.59M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$3.114M	$1.100M	$2.600M	$2.590M	$2.230M	$2.120M	$2.290M	$2.540M	$2.520M	$2.430M	$1.710M	$2.130M	$1.660M	$1.760M	$1.720M	$1.840M	$1.800M	$1.890M	$1.150M	$1.030M	$890.0K	$850.0K	$390.0K	$320.0K	$500.0K	$160.0K	$410.0K	$280.0K	$210.0K	$200.0K	-$180.0K	-$410.0K
YoY Change	183.09%	-57.69%	0.39%	16.14%	5.19%	-7.42%	-9.84%	0.79%	3.7%	42.11%	-19.72%	28.31%	-5.68%	2.33%	-6.52%	2.22%	-4.76%	64.35%	11.65%	15.73%	4.71%	117.95%	21.88%	-36.0%	212.5%	-60.98%	46.43%	33.33%	5.0%	-211.11%	-56.1%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2016	2015	2014	2013	2012	2011
Interest Expense	$21.39M	$4.346M	$1.506M	$2.769M	$3.191M	$3.081M	$3.186M	$3.081M	$3.910M	$4.659M
YoY Change	392.2%	188.58%	-45.61%		3.57%	-3.3%	3.41%	-21.2%	-16.08%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Pretax Income	$14.19M	$11.31M	$22.83M	$24.28M	$12.12M	$11.59M	$3.470M	$11.28M	$14.42M	$11.08M	$5.401M	$8.181M	$4.988M	$1.430M	$3.420M	$5.660M	$6.700M	$8.090M	$5.560M	$6.260M	$7.130M	$6.940M	$4.480M	$3.660M	$3.690M	$3.820M	$4.060M	$2.180M	$2.790M	$2.510M	$2.560M	$3.030M
YoY Change	25.46%	-50.46%	-5.97%	100.33%	4.57%	234.01%	-69.22%	-21.81%	30.2%	105.05%	-33.98%	64.01%	248.81%	-58.19%	-39.58%	-15.52%	-17.18%	45.5%	-11.18%	-12.2%	2.74%	54.91%	22.4%	-0.81%	-3.4%	-5.91%	86.24%	-21.86%	11.16%	-1.95%	-15.51%
Income Tax	$1.954M	$1.432M	$4.810M	$4.790M	$1.450M	$1.080M	-$550.0K	$2.314M	$3.914M	$3.026M	$746.0K	$1.814M	$504.0K	-$620.0K	$150.0K	$1.110M	$1.300M	$2.080M	$1.660M	$2.010M	$2.280M	$2.360M	$1.780M	$1.270M	$1.340M	$1.450M	$1.550M	$780.0K	$1.030M	$930.0K	$940.0K	$1.130M
% Of Pretax Income	13.77%	12.66%	21.07%	19.73%	11.96%	9.32%	-15.85%	20.52%	27.14%	27.32%	13.81%	22.17%	10.1%	-43.36%	4.39%	19.61%	19.4%	25.71%	29.86%	32.11%	31.98%	34.01%	39.73%	34.7%	36.31%	37.96%	38.18%	35.78%	36.92%	37.05%	36.72%	37.29%
Net Earnings	$12.24M	$9.878M	$18.01M	$19.49M	$10.66M	$10.43M	$4.370M	$8.961M	$10.51M	$8.049M	$4.655M	$6.367M	$4.484M	$2.040M	$3.270M	$4.550M	$5.400M	$6.010M	$3.900M	$4.250M	$4.850M	$4.580M	$2.490M	$2.380M	$2.350M	$2.360M	$2.510M	$1.400M	$1.760M	$1.580M	$1.730M	$1.900M
YoY Change	23.87%	-45.15%	-7.59%	82.83%	2.21%	138.67%	-51.23%	-14.71%	30.53%	72.91%	-26.89%	41.99%	119.8%	-37.61%	-28.13%	-15.74%	-10.15%	54.1%	-8.24%	-12.37%	5.9%	83.94%	4.62%	1.28%	-0.42%	-5.98%	79.29%	-20.45%	11.39%	-8.67%	-8.95%
Net Earnings / Revenue	18.92%	22.85%	45.22%	49.65%				30.66%	36.23%	28.9%	21.05%	28.87%	19.85%
Basic Earnings Per Share	$2.23	$1.89	$3.61	$3.91	$2.11	$2.17	$0.97	$2.13	$2.71	$2.19	$1.37	$1.98	$1.46	$0.70	$1.19
Diluted Earnings Per Share	$2.23	$1.88	$3.60	$3.91	$2.10	$2.17	$0.96	$2.10	$2.64	$2.16	$1.35	$1.96	$1.46	$0.70	$1.19	$1.002M	$1.113M	$1.232M	$800.8K	$850.0K	$945.4K	$846.6K	$783.0K	$732.3K	$667.6K	$533.9K	$532.9K	$278.9K	$305.0K	$256.9K	$282.7K	$310.5K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$19.71M	$24.33M	$20.80M	$20.50M	$21.10M	$21.10M	$20.80M	$20.40M	$21.00M	$21.00M	$20.60M	$15.00M	$14.70M	$15.20M	$15.90M	$14.00M	$14.30M	$13.80M	$8.400M	$5.900M	$3.600M	$3.800M	$3.500M	$1.600M	$1.800M	$1.700M	$1.200M	$1.000M	$1.000M	$900.0K	$1.000M	$1.000M
YoY Change	-18.98%	16.96%	1.46%	-2.84%	0.0%	1.44%	1.96%	-2.86%	0.0%	1.94%	37.33%	2.04%	-3.29%	-4.4%	13.57%	-2.1%	3.62%	64.29%	42.37%	63.89%	-5.26%	8.57%	118.75%	-11.11%	5.88%	41.67%	20.0%	0.0%	11.11%	-10.0%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets																								$200.0K	$100.0K	$0.00	$0.00	$0.00	$0.00	$0.00	$100.0K	$100.0K
YoY Change																								100.0%						-100.0%	0.0%
Total Long-Term Assets
YoY Change
Total Assets	$1.562B	$1.503B	$1.329B	$1.188B	$998.5M	$985.8M	$929.5M	$911.4M	$878.4M	$863.5M	$828.8M	$614.1M	$598.2M	$561.5M	$584.2M	$602.2M	$606.5M	$590.6M	$465.1M	$442.1M	$334.0M	$341.3M	$349.7M	$250.7M	$244.1M	$225.4M	$227.9M	$213.7M	$208.6M	$188.7M	$164.7M	$164.7M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$12.71M											$5.000M	$10.90M	$9.500M	$9.700M	$10.50M	$7.600M	$12.00M	$5.500M
YoY Change												-54.13%	14.74%	-2.06%	-7.62%	38.16%	-36.67%	118.18%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$12.71M											$5.000M	$10.90M	$9.500M	$9.700M	$10.50M	$7.600M	$12.00M	$5.500M								$200.0K	$700.0K	$100.0K	$100.0K		$200.0K
YoY Change												-54.13%	14.74%	-2.06%	-7.62%	38.16%	-36.67%	118.18%									-71.43%	600.0%	0.0%
Long-Term Debt	$34.37M	$60.05M	$29.10M	$28.00M	$39.20M	$36.90M	$35.00M	$33.80M	$33.10M	$33.30M	$33.10M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$13.50M	$8.500M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-42.78%	106.37%	3.93%	-28.57%	6.23%	5.43%	3.55%	2.11%	-0.6%	0.6%	100.61%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	22.22%	58.82%
Other Long-Term Liabilities	$20.85M	$22.53M	$15.80M	$17.30M	$12.60M	$13.30M	$9.700M	$12.00M	$12.40M	$10.70M	$9.800M	$8.300M	$8.400M	$6.100M	$9.500M	$6.900M	$8.400M	$6.400M	$4.500M	$2.500M	$4.600M	$9.800M	$7.600M	$2.400M	$2.600M	$1.700M	$2.300M	$2.300M	$2.000M	$500.0K	$700.0K	$700.0K
YoY Change	-7.47%	42.61%	-8.67%	37.3%	-5.26%	37.11%	-19.17%	-3.23%	15.89%	9.18%	18.07%	-1.19%	37.7%	-35.79%	37.68%	-17.86%	31.25%	42.22%	80.0%	-45.65%	-53.06%	28.95%	216.67%	-7.69%	52.94%	-26.09%	0.0%	15.0%	300.0%	-28.57%	0.0%
Total Long-Term Liabilities	$55.21M	$82.59M	$44.90M	$45.30M	$51.80M	$50.20M	$44.70M	$45.80M	$45.50M	$44.00M	$42.90M	$24.80M	$24.90M	$22.60M	$26.00M	$23.40M	$24.90M	$22.90M	$21.00M	$16.00M	$13.10M	$9.800M	$7.600M	$2.400M	$2.600M	$1.700M	$2.300M	$2.300M	$2.000M	$500.0K	$700.0K	$700.0K
YoY Change	-33.14%	83.93%	-0.88%	-12.55%	3.19%	12.3%	-2.4%	0.66%	3.41%	2.56%	72.98%	-0.4%	10.18%	-13.08%	11.11%	-6.02%	8.73%	9.05%	31.25%	22.14%	33.67%	28.95%	216.67%	-7.69%	52.94%	-26.09%	0.0%	15.0%	300.0%	-28.57%	0.0%
Total Liabilities	$1.435B	$1.391B	$1.193B	$1.061B	$889.9M	$893.9M	$841.8M	$826.4M	$797.8M	$791.8M	$766.1M	$550.7M	$539.1M	$507.7M	$530.3M	$550.8M	$554.2M	$541.3M	$421.0M	$399.9M	$291.5M	$300.2M	$309.5M	$227.0M	$221.7M	$200.3M	$195.6M	$181.3M	$174.0M	$152.1M	$149.6M	$149.6M
YoY Change	3.11%	16.6%	12.43%	19.27%	-0.45%	6.19%	1.86%	3.58%	0.76%	3.35%	39.11%	2.15%	6.18%	-4.26%	-3.72%	-0.61%	2.38%	28.57%	5.28%	37.19%	-2.9%	-3.0%	36.34%	2.39%	10.68%	2.4%	7.89%	4.2%	14.4%	1.67%	0.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	5.478B shares	5.231B shares	5.244B shares	5.237B shares	3.807M shares	3.683M shares	3.668M shares	3.401M shares	3.222B shares	3.062M shares
Diluted Shares Outstanding	5.481B shares	5.246B shares	5.257B shares	5.241B shares	3.872M shares	3.793M shares	3.730M shares	3.452M shares	3.249B shares	3.062M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $138.63 Million

About LANDMARK BANCORP INC

Landmark Bancorp, Inc. /Kansas/ is a holding company. The company is headquartered in Manhattan, Kansas and currently employs 270 full-time employees. The Company’s business consists of the ownership of Landmark National Bank (the Bank) and Landmark Risk Management, Inc., which are wholly owned subsidiaries of the Company. The Bank's primary deposit gathering and lending markets are geographically diversified throughout central, eastern, southeast, and southwest Kansas. The Bank is principally engaged in the business of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to originate one-to-four family residential real estate, construction and land, commercial real estate, commercial, agricultural, municipal and consumer loans. The Bank also invests in certain investment and mortgage-related securities using deposits and other borrowings as funding sources. Landmark Risk Management, Inc. is a captive insurance company, which provides property and casualty insurance coverage to the Company and the Bank.

Industry: National Commercial Banks Peers: Avidbank Holdings, Inc. Citizens Community Bancorp Inc. COMMUNITY WEST BANCSHARES / EAGLE FINANCIAL SERVICES INC FIRST COMMUNITY CORP /SC/ FIRST KEYSTONE CORP Pathfinder Bancorp, Inc. PNC FINANCIAL SERVICES GROUP, INC.