Net interest margin expansion/compression driven by Federal Reserve policy and deposit pricing competition
Agricultural loan portfolio performance tied to Kansas farm economy, crop prices, and weather conditions
Loan growth rates in commercial and agricultural segments relative to Kansas GDP growth
Credit quality metrics, particularly agricultural loan delinquencies and charge-offs during commodity downturns
moderate - Agricultural lending creates unique cyclicality tied to commodity prices and farm income rather than pure GDP correlation. Commercial loan demand follows Kansas regional economy (manufacturing, energy services, small business). Residential mortgage volumes sensitive to housing market activity. However, community banks with sticky deposit bases and diversified loan portfolios show more stability than pure cyclical businesses. Credit losses typically lag economic downturns by 6-12 months.
High positive sensitivity to rising rates through 2024-2025 as asset yields repriced faster than deposit costs, expanding NIM. However, as of February 2026, with Fed potentially in easing mode, the bank faces margin compression risk if deposit costs remain elevated while loan yields decline. Asset-sensitive balance sheet positioning (typical for community banks) means falling rates pressure profitability. Mortgage banking income also declines in rising rate environments due to reduced refinancing activity.
Rural depopulation and agricultural consolidation reducing addressable market in Kansas communities, threatening long-term deposit and loan growth
Digital banking disruption as fintech competitors and large banks offer superior mobile/online experiences, eroding community bank deposit franchise among younger customers
Regulatory compliance costs disproportionately burden small banks with <$2B assets, compressing profitability and forcing industry consolidation
value - Trading at 1.1x price/book and 7.4x EV/EBITDA with 12.4% ROE attracts value investors seeking undervalued community banks with potential for multiple expansion. Dividend-oriented investors also drawn to community bank stable cash flows and capital return potential. Limited institutional ownership typical for $200M market cap creates inefficiency opportunities for small-cap value managers. Recent 36.7% EPS growth attracts opportunistic investors recognizing margin expansion cycle.
No analyst coverage available for this stock.
1 signal unavailable — limited data for this stock
Trend
+3.2% vs SMA 50 · +3.6% vs SMA 200
Momentum
Accumulation pattern present — more buying days than selling over the past 20 sessions. Volume conditions support gradual price improvement.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Dividend per payment — last 8 periods
INSTITUTIONAL OWNERSHIP
LARK News
About
Landmark Bancorp, Inc., the holding company for Landmark National Bank, is listed on the NASDAQ Global Market under the symbol "LARK." Headquartered in Manhattan, Kansas, Landmark National Bank is a community banking organization dedicated to providing quality financial and banking services. Landmark National Bank has 30 locations in 24 communities across Kansas: Manhattan (2), Auburn, Dodge City (2), Fort Scott (2), Garden City, Great Bend (2), Hoisington, Iola, Junction City, Kincaid, LaCrosse, Lawrence (2), Lenexa, Louisburg, Mound City, Osage City, Osawatomie, Overland Park, Paola, Pittsburg, Prairie Village, Topeka (2), Wamego and Wellsville, Kansas.
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
LARK◀ | $27.10 | -2.48% | $165M | 8.6 | +826.2% | 1956.4% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | +330.7% | 2039.3% | 1503 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1500 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1490 | |
| $49.77 | -0.16% | $353.2B | 11.4 | -45.1% | 1592.6% | 1495 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1526 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1526 | |
| Sector avg | — | -0.66% | — | 17.6 | +699.5% | 2572.4% | 1506 |