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Landmark Bancorp, Inc.

Landmark Bancorp, Inc.

NASDAQ•LARK
CEO: Mr. Mark A. Herpich
セクター: Financial Services
業種: Banks - Regional
上場日: 1994-03-28
Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also provides one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, such as automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It operates in the eastern, central, southeast, and southwest Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas.
連絡先情報
701 Poyntz Avenue, Manhattan, KS, 66502, United States
785-565-2000
www.banklandmark.com
時価総額
$169.41M
PER (TTM)
9.0
14.8
配当利回り
3.0%
52週高値
$29.56
52週安値
$21.31
52週レンジ
80%
順位43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$24.74M+10.81%
直近4四半期の推移

EPS

$0.78+36.84%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Earnings Surge YTD Nine months net earnings reached $14.0M, marking a strong 44.4% increase over the prior year period due to higher net interest income.
Net Interest Margin Expansion Tax-equivalent Net Interest Margin improved significantly to 3.81% for nine months 2025, up from 3.21% in 2024, driven by loan growth and lower funding costs.
Loan Portfolio Growth Continues Net loans grew to $1.105B as of September 30, 2025, reflecting an increase from $1.039B at year-end 2024, supporting interest income gains.
Strong Capital Adequacy Maintained The Company maintained robust capital levels; Common Equity Tier 1 Capital ratio stood at 11.13% as of September 30, 2025, exceeding regulatory minimums.

リスク要因

Credit Quality Deterioration Noted Net loan charge-offs totaled $2.4M for nine months 2025, reversing prior year's net recoveries, indicating increased credit stress in the portfolio.
Increased Reliance on Borrowings Total borrowings increased to $113.6M by September 30, 2025, up from $88.5M at year-end 2024, primarily due to higher FHLB line of credit usage.
Non-Interest Income Declines Total non-interest income decreased 4.3% in Q3 2025 versus Q3 2024, driven by lower service charges and a lack of prior year branch sale gains.
Economic Headwinds Persist Elevated inflation and sustained high interest rates continue to impact funding costs and asset valuations, posing ongoing challenges to financial stability.

見通し

Provisioning Reflects Economic Projections Provision for credit losses increased to $1.85M for nine months 2025, reflecting management's ongoing need to estimate economic impact on the loan portfolio.
Stable Dividend Policy Maintained The Board declared a $0.21 cash dividend per share, maintaining a stable practice dependent on overall performance and capital adequacy requirements.
Focus on Core Loan Growth Strategy emphasizes growing commercial, CRE, and agriculture loan portfolios while maintaining strong asset quality management practices quarterly.
Capital Buffer Sufficient for Distributions Current capital ratios are sufficient to meet the 2.5% capital conservation buffer, allowing for capital distributions like dividends and stock repurchases.

同業比較

売上高 (TTM)

Meridian CorporationMRBK
$205.49M
+4.1%
Hanover Bancorp, Inc.HNVR
$143.32M
-3.4%
MainStreet Bancshares, Inc.MNSB
$135.47M
-1.7%

粗利益率 (最新四半期)

United Security BancsharesUBFO
80.5%
+10.2pp
Peoples Bancorp of North Carolina, Inc.PEBK
79.1%
+4.8pp
First Capital, Inc.FCAP
76.9%
+4.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
MRBK$233.46M10.711.8%6.5%
PEBK$212.26M16.713.5%0.9%
CFBK$206.27M11.77.4%5.8%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.9%
緩やかな成長
4四半期純利益CAGR
0.3%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月28日
|
EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月13日|
    売上高: $24.81M+6.6%
    |
    EPS: $0.85+25.0%
    不明

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月13日|
    売上高: $23.72M+8.3%
    |
    EPS: $0.76+46.2%
    不明

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月14日|
    売上高: $22.70M+7.4%
    |
    EPS: $0.81+68.8%
    不明

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月25日|
    売上高: $88.64M+13.8%
    |
    EPS: $2.26+6.6%
    不明

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月13日|
    売上高: $23.28M+13.8%
    |
    EPS: $0.68+36.0%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月13日|
    売上高: $21.90M+11.4%
    |
    EPS: $0.52-10.3%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月14日|
    売上高: $21.15M+17.0%
    |
    EPS: $0.48-17.2%
    不明

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月27日|
    売上高: $77.91M+36.9%
    |
    EPS: $2.12+24.0%
    不明