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

$150.94M

PER (TTM)

8.0

14.4

配当利回り

3.4%

52週高値

$29.56

52週安値

$22.31

52週レンジ

35%

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)

MRBK

$205.49M

+4.1%

HNVR

$143.32M

-3.4%

MNSB

$135.47M

-1.7%

粗利益率 (最新四半期)

UBFO

80.5%

+10.2pp

PEBK

79.1%

+4.8pp

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	$220.50M	9.9	11.8%	6.5%
PEBK	$198.56M	15.6	13.5%	0.9%
CFBK	$185.97M	10.5	9.6%	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:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし