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Upturn AI Summary - About
Landmark Bancorp Inc(LARK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LARK
09/25/2026: LARK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Landmark Bancorp is a regional community bank holding company providing essential financial services across Kansas. Its primary strengths lie in a stable core deposit base and a conservative lending culture that has fostered consistent, though moderate, financial performance. The company's main growth opportunity centers on deepening market share through localized service and potential opportunistic acquisitions of smaller peers. Risks include geographic concentration in Kansas and sensitivity to interest rate fluctuations that affect margins. As a mature and dividend-paying institution, the stock may best suit conservative, income-focused investors looking for steady, low-volatility exposure to the regional banking sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature, slow-growth regional bank rather than a high-growth company. |
| Momentum investor | Weak fit | The stock typically exhibits low volatility and lacks the explosive price action momentum traders seek. |
| Value investor | Mixed fit | It may appeal to value investors looking for a stable, reasonably priced bank stock with steady book value growth. |
| Dividend investor | Strong fit | The company provides a consistent dividend, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | Its conservative business model and established market presence make it lower risk compared to high-growth tech or cyclical stocks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock generally exhibits lower beta than the broader market. |
| Valuation risk | Medium | Bank stocks are highly sensitive to book value and interest rate cycles. |
| Competition risk (regional banking competition) | Medium / high | The bank faces pressure from larger regional players and digital-only banks. |
| Business quality | Medium | The bank operates a standard, community-based retail model. |
| Dividend income | Low | Dividend payouts are generally stable and well-supported by earnings. |
| Execution risk | Low | The bank has a long history of successful, conservative management. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 34.09% | Avg. Invested days 51 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 191.07M USD | Price to earnings Ratio 9.55 | 1Y Target Price 34.5 |
Price to earnings Ratio 9.55 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 8.9K shares | Beta 0.38 | 52 Weeks Range 23.24 - 34.60 | Updated Date 09/25/2026 |
52 Weeks Range 23.24 - 34.60 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 2.66% | Basic EPS (TTM) 3.28 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | This is the primary way the bank makes money; it grows when interest rates and loan volume increase. |
| Fee-Based Services | Deposit service charges, wealth management fees, and insurance commissions. | These non-interest revenues provide a steady, less rate-sensitive income stream. |
| Geography: Kansas | All branches and operations located within Kansas. | The bank's health is directly tied to the economic prosperity of the Kansas region. |
Valuation
Trailing PE 9.55 | Forward PE 8.08 | Enterprise Value 265.20M | Price to Sales(TTM) 2.64 |
Enterprise Value 265.20M | Price to Sales(TTM) 2.64 | ||
Enterprise Value to Revenue 3.92 | Enterprise Value to EBITDA - | Shares Outstanding 6.10M | Shares Floating 5.01M |
Shares Outstanding 6.10M | Shares Floating 5.01M | ||
Percent Insiders 16.2 | Percent Institutions 43.48 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Landmark Bancorp Inc
Exchange NASDAQ | Headquarters Manhattan, KS, United States | ||
IPO Launch date 1994-03-28 | President, CEO & Director Ms. Abigail M. Wendel | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 273 | Website https://www.banklandmark.com |
Full time employees 273 | Website https://www.banklandmark.com | ||
Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as time deposits, certificates of deposit, and treasury management services. The company also provides one-to-four family residential real estate, construction and land, commercial real estate, commercial, municipal, and agriculture loans; and consumer and other loans, such as automobile, boat, and home improvement and home equity loans, as well as insurance services. In addition, the company invests in certain investment and mortgage-related securities. It operates in the eastern, central, southeast, and southwest Kansas. Landmark Bancorp, Inc. was founded in 1885 and is headquartered in Manhattan, Kansas.
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