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Landmark Bancorp, Inc. LARK | NASDAQ

$31.30 $0.31 | 1.00%

SIGNAL:

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|2026-09-24 |F&G 38 |RSI 40.9

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Company Overview:

Market Cap: $190.92M

Trailing PE: 9.5x

FWD PE: —

Payout Ratio (TTM): 24.8%

52-Week Range: $23.57 - $34.60

10 Year LARK Performance Metrics:

Total Return (with DRIP): 154.7% (9.80% CAGR)

Total Return (no DRIP): 124.0% (8.40% CAGR)

Share Price: 83.4% (6.25% CAGR)

Yield on Cost (with DRIP): 6.83%

Total Invested: $10,000

Total Value (with DRIP): $25,465

Total Return $ (with DRIP): $15,465

Dividend Increase: 40.7% (3.56% CAGR)

Dividend Yield (FWD): 2.68% ($0.84)

LARK 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

LARK Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

LARK Price CAGR:1Y: 17.14%2Y: 27.38%5Y: 6.59%10Y: 6.24%

LARK Dividend Charts

LARK - Dividends

LARK Dividend CAGR:1Y: 5.00%2Y: 5.00%5Y: 5.00%10Y: 3.47%

LARK - Dividend Payout Ratio

LARK Dividend Payout Ratio CAGR:1Y: -13.88%2Y: -21.15%5Y: 4.43%10Y: -2.67%

LARK - Dividend to Free Cash Flow Ratio

LARK Dividend to FCF Ratio CAGR:1Y: -88.65%2Y: 12.79%5Y: 25.17%10Y: 12.41%

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LARK Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

LARK - Revenue

LARK Revenue CAGR:1Y: -19.17%2Y: -6.43%5Y: 3.90%10Y: 5.41%

LARK - Earnings Per Share (EPS)

LARK EPS CAGR:1Y: 17.33%2Y: 30.09%5Y: 0.46%10Y: 8.48%

LARK - Net Income

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LARK Net Income CAGR:1Y: 22.43%2Y: 33.80%5Y: 1.60%10Y: 8.77%

LARK - EBITDA

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LARK EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LARK - Free Cash Flow

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LARK Free Cash Flow CAGR:1Y: 828.81%2Y: -6.46%5Y: -15.24%10Y: -5.82%

LARK - Free Cash Flow / Share

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LARK Free Cash Flow / Share CAGR:1Y: 845.64%2Y: -5.92%5Y: -14.95%10Y: -5.95%

LARK - Operating Income

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LARK Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LARK - Gross Profit

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LARK Gross Profit CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LARK - Shares Outstanding

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LARK Shares Outstanding CAGR:1Y: 5.49%2Y: 3.53%5Y: 1.27%10Y: 0.74%

LARK - Share Buybacks

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LARK Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LARK - Stock-Based Comp

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LARK Stock-Based Comp CAGR:1Y: 14.41%2Y: 13.39%5Y: 11.88%10Y: 0.00%

LARK - Expenses

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LARK Expenses CAGR:1Y: 40.00%2Y: -56.08%5Y: 13.93%10Y: -5.43%

LARK - Revenue vs Net Income

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LARK - EPS vs FCF / Share

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LARK - EPS vs PE Ratio

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LARK - FCF vs FCF / Share

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LARK - FCF vs Stock Based Comp

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LARK - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

LARK - REVENUE: Actual + Estimates

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LARK Actual Revenue CAGR:1Y: -19.17%2Y: -6.43%5Y: 3.90%10Y: 5.41%

LARK - EPS: Actual + Estimates

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LARK Actual EPS CAGR:1Y: 17.33%2Y: 30.09%5Y: 0.46%10Y: 8.48%

LARK - NET INCOME: Actual + Estimates

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LARK Actual Net Income CAGR:1Y: 22.43%2Y: 33.80%5Y: 1.60%10Y: 8.77%

LARK - EBITDA: Actual + Estimates

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LARK Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

LARK - Net Profit Margin

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LARK Net Profit Margin CAGR:1Y: 455.06%2Y: 173.72%5Y: 26.78%10Y: 17.49%

LARK - Gross Profit Margin

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LARK Gross Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LARK - Price to Earnings

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LARK Price to Earnings CAGR:1Y: -0.82%2Y: -1.97%5Y: 5.96%10Y: -1.67%

LARK - Price To Sales Ratio

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LARK Price To Sales Ratio CAGR:1Y: 454.53%2Y: 170.12%5Y: 34.54%10Y: 16.02%

LARK - Return on Capital Employed

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LARK Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LARK - Return on Invested Capital

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LARK Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LARK Dividends Info:

Annual Dividend: $0.84

Forward Yield: 2.68%

Ex-Dividend Date: 2026-08-13

Lifetime Dividends / Share: $14.68

LARK Dividend History: Dates, Payments & Yield list

Below is a schedule of all LARK dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/13/2026	08/27/2026	$0.210	2.6%	2.65%	$31.66
05/14/2026	05/28/2026	$0.210	3.02%	2.94%	$28.60
02/12/2026	02/26/2026	$0.210	3.02%	2.97%	$28.32
11/12/2025	11/26/2025	$0.200	3.18%	2.88%	$27.75
08/13/2025	08/27/2025	$0.200	3.05%	3%	$26.71
05/21/2025	06/04/2025	$0.200	2.7%	2.81%	$28.46
02/19/2025	03/05/2025	$0.210	3.27%	3.62%	$23.21
11/13/2024	11/27/2024	$0.190	3.63%	3.3%	$23.10
08/21/2024	09/04/2024	$0.190	4.05%	3.79%	$20.08
05/14/2024	05/29/2024	$0.190	4.19%	4.17%	$18.26
02/13/2024	02/28/2024	$0.190	4.04%	4.04%	$18.86
11/14/2023	11/29/2023	$0.181	4.27%	4.08%	$17.78
08/22/2023	09/06/2023	$0.181	4.02%	4.18%	$17.34
05/16/2023	05/31/2023	$0.181	3.97%	3.9%	$18.62
02/14/2023	03/01/2023	$0.181	3.48%	3.5%	$20.71
11/15/2022	11/30/2022	$0.181	3.26%	3.29%	$22.08
08/09/2022	08/24/2022	$0.181	3.34%	3.19%	$22.76
05/10/2022	05/25/2022	$0.181	3.38%	3.29%	$22.06
02/15/2022	03/02/2022	$0.181	3.11%	3.13%	$23.21
11/09/2021	11/24/2021	$0.165	2.76%	2.72%	$24.23
08/10/2021	08/25/2021	$0.165	2.9%	2.89%	$22.74
05/18/2021	06/02/2021	$0.165	3.09%	3.04%	$21.63
02/16/2021	03/03/2021	$0.165	3.13%	3.08%	$21.39
11/09/2020	11/25/2020	$0.165	3.39%	3.34%	$19.71
08/11/2020	08/26/2020	$0.165	3.81%	3.97%	$16.58
05/26/2020	06/10/2020	$0.165	3.44%	3.13%	$21.03
02/18/2020	03/04/2020	$0.165	3.36%	3.61%	$18.22
11/12/2019	11/27/2019	$0.157	3.46%	3.44%	$18.21
08/06/2019	08/21/2019	$0.157	3.65%	3.67%	$17.08
05/14/2019	05/29/2019	$0.157	3.39%	3.59%	$17.47
02/19/2019	03/06/2019	$0.157	3.66%	3.34%	$18.79
11/13/2018	11/28/2018	$0.149	3.16%	3.36%	$17.77
08/07/2018	08/22/2018	$0.149	2.9%	2.9%	$20.61
05/15/2018	05/30/2018	$0.149	3.02%	2.97%	$20.08
02/20/2018	03/07/2018	$0.149	2.91%	2.94%	$20.33
11/14/2017	11/29/2017	$0.149	3.06%	3.01%	$19.80
08/14/2017	08/30/2017	$0.149	2.96%	3.04%	$19.64
05/08/2017	05/24/2017	$0.149	2.85%	2.85%	$20.98
02/13/2017	03/01/2017	$0.149	2.92%	2.9%	$20.59
11/07/2016	11/23/2016	$0.149	3.43%	3.42%	$17.47
08/15/2016	08/31/2016	$0.149	3.53%	3.55%	$16.82
05/09/2016	05/25/2016	$0.149	3.7%	3.63%	$16.44
02/12/2016	03/02/2016	$0.149	3.75%	3.8%	$15.70
11/09/2015	11/25/2015	$0.142	3.38%	3.48%	$16.28
08/10/2015	08/26/2015	$0.142	2.66%	3.35%	$16.91
05/11/2015	05/27/2015	$0.142	3.84%	3.88%	$14.62
02/13/2015	03/04/2015	$0.142	4.11%	3.51%	$16.16
11/13/2014	11/28/2014	$0.135	3.94%	3.13%	$17.26
08/11/2014	08/25/2014	$0.135	4.61%	4.32%	$12.51
05/12/2014	05/28/2014	$0.135	4.75%	4.81%	$11.24
02/14/2014	03/03/2014	$0.135	4.86%	4.82%	$11.20
11/25/2013	12/09/2013	$0.129	4.62%	4.32%	$11.92
08/12/2013	08/26/2013	$0.129	4.76%	4.57%	$11.25
05/06/2013	05/20/2013	$0.129	4.5%	4.38%	$11.74
02/15/2013	03/04/2013	$0.129	4.55%	4.57%	$11.25
11/09/2012	11/26/2012	$0.122	3.29%	4.33%	$11.32
08/13/2012	08/27/2012	$0.122	4.75%	4.42%	$11.08
05/07/2012	05/21/2012	$0.122	4.35%	4.49%	$10.91
02/17/2012	03/05/2012	$0.122	4.86%	4.97%	$9.86
11/14/2011	11/28/2011	$0.117	5.77%	5.43%	$8.59
08/22/2011	09/06/2011	$0.117	4.75%	5.88%	$7.93
05/09/2011	05/23/2011	$0.117	5.78%	5.67%	$8.23
02/18/2011	03/07/2011	$0.117	5.21%	5.28%	$8.84
11/08/2010	11/22/2010	$0.111	5.79%	5.77%	$7.70
08/16/2010	08/30/2010	$0.111	5.82%	5.78%	$7.69
05/14/2010	06/01/2010	$0.111	5.15%	5.02%	$8.85
02/22/2010	03/08/2010	$0.111	4.82%	5.6%	$7.94
11/06/2009	11/23/2009	$0.106	6.14%	6.19%	$6.84
08/10/2009	08/24/2009	$0.106	5.7%	5.79%	$7.31
05/21/2009	06/05/2009	$0.106	6.14%	5.76%	$7.35
02/17/2009	03/02/2009	$0.106	4.82%	4.91%	$8.62
11/07/2008	11/24/2008	$0.101	3.44%	4.14%	$9.74
08/11/2008	08/25/2008	$0.101	3.45%	3.78%	$10.66
05/13/2008	05/26/2008	$0.101	3.98%	0%	$0.00
02/04/2008	02/18/2008	$0.101	3.55%	0%	$0.00
11/05/2007	11/19/2007	$0.096	2.79%	2.61%	$14.72
08/06/2007	08/20/2007	$0.096	3.39%	2.67%	$14.37
05/07/2007	05/21/2007	$0.096	3.27%	3.26%	$11.76
02/26/2007	03/12/2007	$0.096	2.58%	2.63%	$14.60
11/06/2006	11/20/2006	$0.091	2.53%	3.36%	$10.89
07/31/2006	08/14/2006	$0.082	3.16%	3.18%	$10.29
05/08/2006	05/22/2006	$0.082	2.95%	2.98%	$10.98
02/17/2006	03/06/2006	$0.082	3.18%	3.17%	$10.31
11/14/2005	11/28/2005	$0.078	2.67%	3.67%	$8.49
08/08/2005	08/22/2005	$0.078	2.45%	3.24%	$9.61
05/09/2005	05/23/2005	$0.078	2.31%	2.97%	$10.49
02/17/2005	03/07/2005	$0.078	2.16%	2.71%	$11.49
11/08/2004	11/22/2004	$0.074	2.92%	2.8%	$10.59
08/02/2004	08/16/2004	$0.074	2.94%	2.83%	$10.47
05/03/2004	05/17/2004	$0.074	2.75%	2.9%	$10.23
02/13/2004	03/01/2004	$0.074	2.76%	2.72%	$10.91
11/03/2003	11/17/2003	$0.071	3.08%	2.97%	$9.50
08/04/2003	08/18/2003	$0.071	3.09%	3.32%	$8.52
05/05/2003	05/19/2003	$0.066	3.24%	2.97%	$8.95
02/03/2003	02/18/2003	$0.066	3.32%	3.27%	$8.14
10/28/2002	11/12/2002	$0.063	3.59%	3.35%	$7.55
07/29/2002	08/12/2002	$0.059	3.28%	3.26%	$7.29
05/06/2002	05/16/2002	$0.059	3.14%	3.17%	$7.48
01/30/2002	02/13/2002	$0.059	3.74%	3.63%	$6.55
11/19/2001	11/30/2001	$0.057	3.9%	3.94%	$5.74
07/30/2001	08/15/2001	$0.057	3.69%	3.41%	$6.63
04/27/2001	05/15/2001	$0.057	3.29%	4.05%	$5.58
01/30/2001	02/15/2001	$0.057	3.4%	4.04%	$5.60
10/30/2000	11/15/2000	$0.057	3%	3.09%	$7.32
07/28/2000	08/15/2000	$0.057	3.67%	3.91%	$5.78
05/10/2000	05/26/2000	$0.057	3.72%	5.09%	$4.44
01/28/2000	02/15/2000	$0.057	3.12%	3.39%	$6.68
11/08/1999	11/24/1999	$0.057	4.16%	4.13%	$5.48
08/10/1999	08/26/1999	$0.057	4.02%	3.91%	$5.78
05/12/1999	05/21/1999	$0.057	3.18%	2.89%	$7.82
02/01/1999	02/17/1999	$0.094	5.17%	4.1%	$9.20
10/29/1998	11/16/1998	$0.057	2.67%	3.24%	$6.98
07/30/1998	08/17/1998	$0.057	2.2%	2.59%	$8.73
04/29/1998	05/15/1998	$0.057	2.12%	2.61%	$8.68
01/29/1998	02/17/1998	$0.075	3.31%	3.46%	$8.72
10/30/1997	11/17/1997	$0.038	2.09%	1.59%	$9.50
07/30/1997	08/15/1997	$0.038	2.34%	2.26%	$6.67
05/01/1997	05/15/1997	$0.038	2.53%	2.49%	$6.05
01/30/1997	02/18/1997	$0.038	2.7%	2.03%	$7.42
10/30/1996	11/15/1996	$0.038	2.99%	2.31%	$6.53
08/07/1996	08/23/1996	$0.038	2.48%	3.13%	$4.81
04/29/1996	05/15/1996	$0.038	2.58%	3.27%	$4.61
01/30/1996	02/15/1996	$0.038	3.6%	3.21%	$4.69
10/30/1995	11/15/1995	$0.038	3.6%	3.34%	$4.51
08/02/1995	08/18/1995	$0.038	3.6%	2.88%	$5.24
05/01/1995	05/19/1995	$0.019	1.94%	1.97%	$3.82
02/09/1995	02/28/1995	$0.019	2.11%	1.62%	$4.65
11/04/1994	11/29/1994	$0.188	17.13%	19.04%	$3.96
10/19/1994	11/10/1994	$0.019	2.26%	1.77%	$4.25
07/11/1994	07/29/1994	$0.019	2.07%	2%	$3.76

Projected Future Returns & Dividends for LARK

Based on past 10-year performance, here are LARK growth metrics:

Share price CAGR of +6.24%
Dividend CAGR of +3.48%

Using LARK CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	LARK (DRIP)	LARK - No DRIP
Current Price	$31.30	$31.30
Start Shares	319.49	319.49
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	405.46	319.49
Dividends Payment	$0.30	$0.30
Annual Dividends	$479	$378
Yield on cost	4.79%	3.78%
Share Price	$57.36	$57.36
Total Dividends	$3,583	$3,145
Final Value	$23,257	$21,471

Estimated Future Value + Dividends - LARK

NOTE: Above numbers are our estimate based on LARK's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Landmark Bancorp, Inc. (LARK) had its IPO on 1994-03-28, and is traded on NASDAQ stock exchange.

Landmark Bancorp, Inc. serves as the parent entity for Landmark National Bank, delivering a comprehensive array of financial and banking services to the communities it operates within. The institution provides various deposit accounts, such as checking, savings, money market, and non-interest bearing demand options, along with certificates of deposit. Its extensive lending portfolio covers mortgages for one-to-four family residences, construction and land development financing, commercial and municipal loans, agricultural loans, and Paycheck Protection Program loans. Additionally, it offers consumer credit for vehicles, boats, and home improvements, as well as home equity loans. Customers can also access insurance products and convenient mobile and online banking platforms. The company strategically invests in specific investment and mortgage-backed securities. Founded in 1885 and headquartered in Manhattan, Kansas, Landmark Bancorp operates 30 branch locations across 24 different communities throughout the state of Kansas.

LARK website: https://www.banklandmark.com

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DCF Model — LARK

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $31.30

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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✓Reinvested (DRIP) shares counted for you
✓Monthly totals across up to 5 stocks

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