Reading LARK? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track LARK free→Reading LARK? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track LARK free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-16
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is neutral, and earnings quality is robust, cash backs up reported profits. Management's recent track record has been fairly steady, but the capital stance is capital unfriendly, indicating less favorable shareholder actions. The sector backdrop is a headwind, and risk is moderate. Peer multiples imply a price about 28% below where it trades (it looks expensive on this basis); the read is fair, priced roughly in line with peer multiples. If LARK cuts guidance on the next call, that could be a meaningful negative. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 2 valuation methods, at three horizons. Current price $29.36. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $30 LARK trades at 10× p/e, below its 12× p/e peer median. Our $23 fair value sits above the price; high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The market is pricing in roughly 28% near-term growth, ahead of our forecast of about 17%. This describes what's priced in, not a forecast of the move.
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 53.79x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity.
6 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 57% of the time over the next year (vs 55% for the rest of the cohort, n=5004).
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$129.
How much price usually moves either way.
On a bad day, this stock has moved -$327.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,680.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: A drop in revenue growth signals a slowdown in the financial sector. This could impact Landmark Bancorp's performance.
Confirms:Revenue growth falls below the median of the last three years.
Disproves:Revenue growth remains above the median of the last three years.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for LARK yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
No upside scenarios in the latest snapshot.
No downside scenarios in the latest snapshot.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Results of Operations and Financial Condition. On April 29, 2026, Landmark Bancorp, Inc. (the “Company”) issued a press release announcing financial results for the three months ended March 31, 2026. The press release is furnished as Exhibit 99.1 and is incorporated herein by reference. The information in this item and the attached exhibit shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks cheaper than most peers in the same business.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
LARK Landmark Bancorp Inc/Manhattan KS | Typical Show detailsSector percentile: 51 of 100 | full | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
Not investment advice. As of 2026-06-16.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-16.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
No qualifying priorities for this snapshot. Check back after the next refresh.
Why it matters: This report can show consumer spending trends. Strong retail sales may boost confidence in the financial sector.
Confirms:Retail sales increase year over year in the report.
Disproves:Retail sales decrease year over year in the report.
Why it matters: The FOMC's decisions impact interest rates. Changes can affect lending and borrowing in the financial sector.
Confirms one read:The FOMC raises interest rates. This shows a tighter policy.
Confirms the other:FOMC keeps interest rates steady or lowers them.
Other Events. The Company also announced on April 29, 2026, that its Board of Directors approved a cash dividend of $0.21 per share. The cash dividend will be paid to all stockholders of record as of the close of business on May 14, 2026, and payable on May 28, 2026.
Changes in Registrant’s Certifying Accountant. The Audit Committee (the “Audit Committee”) of the Board of Directors of Landmark Bancorp, Inc. (the “Company”) conducted a competitive process to select the audit firm to serve as the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2026. Following that process, on February 23, 2026, Forvis Mazars, LLP (“Forvis Mazars”) was selected to serve as the Company’s independent registered public accounting…
Results of Operations and Financial Condition. On January 28, 2026, Landmark Bancorp, Inc. (the “Company”) issued a press release announcing financial results for the three months and year ended December 31, 2025. The press release is furnished as Exhibit 99.1 and is incorporated herein by reference. The information in this item and the attached exhibit shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporate…
Other Events. The Company also announced on January 28, 2026, that its Board of Directors approved a cash dividend of $0.21 per share. The cash dividend will be paid to all stockholders of record as of the close of business on February 12, 2026, and payable on February 26, 2026.