Landmark Bancorp, Inc. (LARK)

Landmark Bancorp, Inc. (LARK) — VMCI valuation read

LARK screens at VMCI 58/100, a 8-point gap above the Financial Services sector median (50). For a mid-cap Landmark Bancorp, Inc. share, that placement says the multi-pillar composite is cheaper or higher quality than the typical peer on a like-for-like basis.

LARK has logged no Form 4 insider activity over the trailing 30 days. The tape reads neither bullish nor bearish on insider conviction. The next signal sits with the 10-Q schedule and the analyst calendar.

**Investor frame.** Value: LARK trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, while EV/EBITDA prints 9.0x against 12.0x for the Financial Services group. Quality: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%), the cleanest like-for-like comparison on capital efficiency. Risk: net debt to EBITDA of -1.1x leaves covenant headroom, which sets the rate-cycle exposure for Landmark Bancorp, Inc..

LARK fell 0.4% over the trailing 7 days, with a -23.2% read on a 30-day basis.