Landmark Bancorp LARK Q4 2025 Earnings Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Source: NASDAQ.COM
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Analyst Views on LARK
About LARK
Landmark Bancorp, Inc. is the holding company for Landmark National Bank (the Bank). The Bank is a community banking organization engaged in providing financial and banking services. The Company’s business consists of the ownership of the Bank and Landmark Risk Management, Inc. The Bank’s primary deposit gathering and lending markets are geographically diversified throughout central, eastern, southeast, and southwest Kansas. The Bank is principally engaged in the business of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to originate one-to-four family residential real estate, construction and land, commercial real estate (CRE), commercial, agriculture, municipal and consumer loans. The Bank also invests in certain investment and mortgage-related securities using deposits and other borrowings as funding sources. Landmark Risk Management, Inc. provides property and casualty insurance coverage to the Company and the Bank.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Landmark Bancorp Reports 44.4% Increase in Net Earnings for 2025
- Net Earnings Growth: Landmark Bancorp reported net earnings of $18.8 million for 2025, a 44.4% increase from $13.0 million in 2024, primarily driven by strong growth in net interest income and well-controlled non-interest expenses.
- Earnings Per Share Improvement: The diluted earnings per share for Q4 2025 was $0.77, showing a decrease from $0.81 in Q3 but a significant increase from $0.54 in the same quarter last year, reflecting ongoing improvements in profitability.
- Enhanced Capital Ratios: As of December 31, 2025, the tangible common equity to assets ratio increased to 8.03%, demonstrating robust capital management that helps bolster market confidence.
- Dividend Declaration: The Board declared a quarterly cash dividend of $0.21 per share, payable on February 26, 2026, to common stockholders of record as of February 12, 2026, highlighting the company's commitment to shareholder returns.
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Landmark Bancorp Reports Strong Q4 2025 Earnings Growth
- Net Income Growth: Landmark Bancorp reported a net income of $4.7 million for Q4 2025, translating to diluted earnings per share of $0.77, which marks a significant increase from $3.3 million in Q4 2024, highlighting the company's robust profitability amid rising net interest income.
- Increase in Net Interest Income: The bank's net interest income reached $14.8 million in Q4, up $695,000 from the previous quarter, driven by improved asset yields and lower funding costs, thereby strengthening the company's financial position.
- Improvement in Nonperforming Loans: Nonperforming loans decreased slightly to just under $10 million, representing 0.90% of gross loans, down $3.1 million from year-end 2024, reflecting effective credit quality monitoring and risk management strategies.
- Continued Shareholder Returns: The board declared a cash dividend of $0.21 per share to be paid on February 26, 2026, marking the 98th consecutive quarterly cash dividend, which underscores the company's commitment to returning value to shareholders.
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