OTCPK:LDKB

Stock Analysis Report

Executive Summary

Landmark Bancorp, Inc., together with its subsidiary, Landmark Community Bank, provides various financial services to individuals, small businesses, and municipal and corporate customers in Pennsylvania, the United States.

Snowflake

Fundamentals

Excellent balance sheet with moderate growth potential.

Risks

  • Landmark Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Landmark Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-2.9%

OTCPK:LDKB

-1.8%

US Banks

0.2%

US Market


1 Year Return

-2.9%

OTCPK:LDKB

-15.3%

US Banks

-0.7%

US Market

LDKB outperformed the Banks industry which returned -13.6% over the past year.

LDKB underperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

LDKBIndustryMarket
7 Day-2.9%-1.8%0.2%
30 Day-4.3%-6.4%-2.7%
90 Day-5.7%-4.0%1.6%
1 Year-1.0%-2.9%-12.9%-15.3%1.6%-0.7%
3 Year41.6%33.6%41.3%31.7%40.0%30.9%
5 Year46.8%32.0%50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is Landmark Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Landmark Bancorp undervalued based on future cash flows and its price relative to the stock market?

1.2x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Landmark Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Landmark Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

Landmark Bancorp is loss making, we can't compare its value to the US Banks industry average.

Landmark Bancorp is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Landmark Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Landmark Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Landmark Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

34.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Landmark Bancorp is high growth as no revenue estimate data is available.

Landmark Bancorp's earnings are expected to grow significantly at over 20% yearly.

Unable to compare Landmark Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Landmark Bancorp's earnings growth is expected to exceed the United States of America market average.

Landmark Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Landmark Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Landmark Bancorp performed over the past 5 years?

-208.9%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Landmark Bancorp does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.

Unable to compare Landmark Bancorp's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Landmark Bancorp's 1-year growth to the US Banks industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Landmark Bancorp has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Landmark Bancorp has efficiently used its assets last year compared to the US Banks industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Landmark Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Landmark Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Landmark Bancorp has an acceptable proportion of non-loan assets held.

Landmark Bancorp has a low allowance for bad loans.

Landmark Bancorp's liabilities are made up of primarily low risk sources of funding.

Landmark Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Landmark Bancorp are broadly funded by customer deposits.

Landmark Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Landmark Bancorp's current dividend yield, its reliability and sustainability?

1.94%

Current Dividend Yield


Dividend Yield and Payments Analysis

Landmark Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.48%).

Landmark Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.83%).

It is too early to tell whether Landmark Bancorp has stable dividend payments.

Landmark Bancorp only just started paying a dividend, it is too early to tell if payments are increasing.


Current Payout to Shareholders

The company is paying a dividend however it is incurring a loss.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Landmark Bancorp's salary, the management and board of directors tenure and is there insider trading?


CEO

Tom Amico 0

0.0yrs

Tenure

0

Mr. Thomas V. Amico, also known as Tom, has been a President, Chief Executive Officer and Director at Landmark Community Bank and serves as a President, Chief Executive Officer and a Director Landmark Banc ...


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Frank Apostolico

    Secretary & Director

    • Tenure: 11.6yrs
  • Ryan Barhight

    VP & Chief Credit Officer

    • Tenure: 0.0yrs
  • JoAnne Zarick

    Senior VP & COO

    • Tenure: 0.0yrs
  • Tom Amico

    President

    • Tenure: 0.0yrs
  • Mike Sowinski

    Executive VP

    • Tenure: 0.0yrs
  • Joseph Angelella

    Senior VP & Senior Lending Officer of Business Banking

    • Tenure: 0.0yrs
  • Catherine Charnitski

    Senior VP

    • Tenure: 0.0yrs
  • Sharon Ebert

    Senior VP

    • Tenure: 0.0yrs

Board Members

  • Ken Krogulski (61yo)

    Director

    • Tenure: 0.0yrs
  • Frank Apostolico

    Secretary & Director

    • Tenure: 11.6yrs
  • John McCarthy

    Director

    • Tenure: 0.0yrs
  • Sandy Insalaco

    Chairman of the Board

    • Tenure: 0.0yrs
  • Donna DelBalso Amato

    Director

    • Tenure: 11.6yrs
  • Paul Woelkers

    Director

    • Tenure: 0.0yrs
  • Tom Amico

    President

    • Tenure: 0.0yrs
  • Eugene Bartoli

    Vice Chairman of the Board

    • Tenure: 0.0yrs
  • Richard Rose

    Director

    • Tenure: 0.0yrs
  • Chris Hackett

    Director

    • Tenure: 0.0yrs

Company Information

Landmark Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Landmark Bancorp, Inc.
  • Ticker: LDKB
  • Exchange: OTCPK
  • Founded: 2001
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$38.754m
  • Shares outstanding: 2.35m
  • Website: https://www.lcbbank.com

Location

  • Landmark Bancorp, Inc.
  • 2 South Main Street
  • Pittston
  • Pennsylvania
  • 18640
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
LDKBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2003

Biography

Landmark Bancorp, Inc., together with its subsidiary, Landmark Community Bank, provides various financial services to individuals, small businesses, and municipal and corporate customers in Pennsylvania, t ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 00:26
End of Day Share Price2019/08/20 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.