NASDAQ
LARK
Last Price
US $30.71
KEY FIGURES
MKT CAP
$195.1M
EPS
TTM
$3.15
PEG
TTM
0.40x
P/E
TTM
9.94x
P/S
TTM
2.03x
YIELD
2.56%
GROWTH
Revenue Y/Y
7.58%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $30.71
85.41%
Default assumptions
EBITDA Multiple
Fair Value
Market $30.71
-20.61%
Default assumptions
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Landmark Bancorp, Inc. cash flow to debt ratio of 64.16% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
Landmark Bancorp, Inc.'s free cash flow has increased 76.48% from $11.92M last year to $21.03M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Landmark Bancorp, Inc.'s debt to equity ratio is 0.56, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Landmark Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.65 last year to 0.56 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Landmark Bancorp, Inc. has a net debt to EBITDA ratio of 0.50x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Landmark Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Landmark Bancorp, Inc.'s profit margin has increased (34.13%) in the last year from 14.67% to 19.68%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Landmark Bancorp, Inc.'s short-term assets of $369.14M exceed its short-term liabilities of $366.20M
Decreasing performance - ROA.
Landmark Bancorp, Inc.'s return on assets of 1.19% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Landmark Bancorp, Inc.'s return on equity of 12.22%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Landmark Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Landmark Bancorp, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Landmark Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Landmark Bancorp, Inc. has a free cash flow yield of 10.78%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Landmark Bancorp, Inc.'s yearly earnings has increased 44.39% since last year from $13.00M to $18.77M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Landmark Bancorp, Inc.'s yearly revenue has increased 8.26% since last year from $88.64M to $95.97M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 4.48% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Landmark Bancorp, Inc.'s 3-year revenue CAGR of 19.02% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Landmark Bancorp, Inc. had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Landmark Bancorp, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Landmark Bancorp, Inc. is undervalued relative to its fair value price of 56.94 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Landmark Bancorp, Inc. has an earnings yield of 9.83%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Landmark Bancorp, Inc. is overvalued relative to its fair value price of 24.38 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Landmark Bancorp, Inc. has an EV/EBITDA ratio of 9.82x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Landmark Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Landmark Bancorp, Inc. has a price-to-book ratio of 1.20x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Landmark Bancorp, Inc. has a price-to-sales ratio of 2.01x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
12.22%
Return on equity
ROIC: 4.48%
Valuation History
9.9X
Price to Earnings
EV/EBITDA: 9.8X
Cash flow
Profit margin
-1.21%
(FY vs FY)
Cash flow Y/Y
7.79%
(FY vs FY)
Base valuations use default assumptions. Customize in the Valuator.