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Upturn AI SWOT - About
LARK 
Landmark Bancorp Inc (LARK)
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Upturn Advisory Summary
09/15/2025: LARK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 26.43% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 144.52M USD | Price to earnings Ratio 9.65 | 1Y Target Price - |
Price to earnings Ratio 9.65 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.23 | 52 Weeks Range 17.49 - 30.82 | Updated Date 06/29/2025 |
52 Weeks Range 17.49 - 30.82 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.35% | Basic EPS (TTM) 2.59 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.55% | Operating Margin (TTM) 36.14% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 11.08% |
Valuation
Trailing PE 9.65 | Forward PE - | Enterprise Value 195020144 | Price to Sales(TTM) 2.38 |
Enterprise Value 195020144 | Price to Sales(TTM) 2.38 | ||
Enterprise Value to Revenue 3.43 | Enterprise Value to EBITDA - | Shares Outstanding 5783080 | Shares Floating 4647629 |
Shares Outstanding 5783080 | Shares Floating 4647629 | ||
Percent Insiders 21.67 | Percent Institutions 23.67 |
Upturn AI SWOT
Landmark Bancorp Inc
Company Overview
History and Background
Landmark Bancorp, Inc. is a bank holding company headquartered in Manhattan, Kansas. It provides a range of commercial and retail banking services. Founded in 1885 as The Union State Bank and Trust Company, it later became part of Landmark National Bank, changing to Landmark Bancorp in 2007.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking and savings accounts, loans, and other financial products to individuals and small businesses.
- Commercial Lending: Offers loans to businesses for various purposes, such as real estate, equipment, and working capital.
- Wealth Management: Provides investment advisory and wealth management services to individuals and families.
Leadership and Structure
Michael L. Schemmel is the President and CEO. The company has a board of directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is specific to Kansas banking market which is highly fragmented. Competitors include regional and national banks such as Commerce Bancshares, Inc. (CBSH) and UMB Financial Corporation (UMBF). Revenue data not publicly available.
- Agricultural Loans: Loans to farmers and agricultural businesses. Market share data not readily available at a granular level. Competitors include Farm Credit Services and local community banks. Revenue data not publicly available.
- Consumer Loans: Loans to individuals for personal needs. Market Share data specific to local Kansas area. Competitors include national banks like Wells Fargo (WFC) and Bank of America (BAC). Revenue data not publicly available.
Market Dynamics
Industry Overview
The banking industry is facing challenges from rising interest rates, increasing regulatory scrutiny, and competition from fintech companies.
Positioning
Landmark Bancorp is a community-focused bank operating primarily in Kansas. Its competitive advantage lies in its local presence and relationship-based banking model.
Total Addressable Market (TAM)
The TAM for community banking in Kansas is estimated to be in the billions. Landmark Bancorp's market share in the larger Kansas banking market is moderate, positioning the company for considerable potential growth.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking model
- Experienced management team
- Loyal customer base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on the local economy
- Lower technology adoption compared to larger players
Opportunities
- Expansion into new markets within Kansas
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from larger banks and fintech companies
- Economic downturn in Kansas
Competitors and Market Share
Key Competitors
- UMB Financial Corporation (UMBF)
- Commerce Bancshares, Inc. (CBSH)
- Enterprise Financial Services Corp (EFSC)
Competitive Landscape
Landmark Bancorp competes with larger regional and national banks, as well as smaller community banks. Its competitive advantages include its local presence and relationship-based banking model.
Growth Trajectory and Initiatives
Historical Growth: Landmark Bancorp's growth has been steady, driven by organic growth and acquisitions. It requires updating with accurate financials.
Future Projections: Analyst estimates predict continued growth for Landmark Bancorp, driven by expansion in Kansas and increased adoption of digital banking technologies.
Recent Initiatives: Recent initiatives include expanding its commercial lending business and investing in technology infrastructure.
Summary
Landmark Bancorp is a community-focused bank with a strong local presence in Kansas. While it faces competition from larger banks and fintech companies, its relationship-based banking model and experienced management team are key strengths. The bank should focus on expanding its digital capabilities and diversifying its revenue streams to ensure long-term growth. However, it should be aware of external threats such as a down turn in the economy and increased regulatory burden
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance may change.
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.
About Landmark Bancorp Inc
Exchange NASDAQ | Headquaters 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 283 | Website https://www.banklandmark.com |
Full time employees 283 | 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 certificates of deposit. The company also provides one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, such as automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking 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 based in Manhattan, Kansas.
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