(LARK) Landmark Bancorp - Ratings and Ratios

Landmark Bancorp, Inc. serves as the financial holding company for Landmark National Bank, delivering a comprehensive suite of banking and financial services tailored to local communities across eastern, central, southeast, and southwest Kansas. The bank provides a range of deposit products, including non-interest bearing demand accounts, money market accounts, checking accounts, savings accounts, and certificates of deposit. Its lending portfolio encompasses one-to-four family residential real estate loans, construction and land loans, commercial real estate loans, commercial loans, Paycheck Protection Program loans, municipal loans, and agriculture loans. Additionally, the bank offers consumer loans for automobiles, boats, home improvements, and home equity, along with insurance services and mobile and online banking solutions. The company also invests in mortgage-related securities and other investment securities, diversifying its revenue streams. Established in 1885, Landmark Bancorp is headquartered in Manhattan, Kansas, and has built a reputation for stability and community-focused banking over its 138-year history.

From a technical standpoint, LARK is currently trading at $23.11, below its 20-day and 50-day simple moving averages of $24.35 and $24.00, respectively, but above its 200-day SMA of $20.47. This indicates short-term downward momentum but a longer-term upward trend. The Average True Range (ATR) of 0.86 reflects relatively low volatility in the stocks recent price action. The stocks average 20-day trading volume is 12,399 shares, suggesting moderate liquidity.

Fundamentally, Landmark Bancorp has a market capitalization of $126.53 million, positioning it as a small-cap regional bank. The stock trades at a price-to-earnings (P/E) ratio of 10.22, indicating a reasonable valuation relative to its earnings. The forward P/E is not available, which may reflect limited analyst consensus or expectations for the companys future earnings. The price-to-book (P/B) ratio of 1.02 suggests that the stock is trading near its book value, while the price-to-sales (P/S) ratio of 2.39 indicates a premium relative to its revenue. The return on equity (RoE) of 8.85% highlights the companys ability to generate profits from shareholder equity, though it is modest compared to larger peers.

3-Month Forecast: Based on the technical and fundamental data, LARK is expected to experience short-term consolidation, with potential resistance near its 20-day and 50-day moving averages ($24.35 and $24.00). Support is likely to hold near its 200-day SMA ($20.47). The low ATR of 0.86 suggests limited price volatility, with a projected trading range of $22.25 to $24.95 over the next three months. Fundamentally, the stocks P/E and P/B ratios suggest a stable outlook, though upside may be capped by modest earnings growth expectations and the companys small market cap. Investors seeking exposure to the regional banking sector may find LARK attractive for its dividend yield and stable financial position, though near-term price appreciation may be limited.