LARK Earnings Prediction
The chart below shows how LARK performed 10 days before and after its earnings report, based on data from the past quarters. Typically, LARK sees a +1.78% change in stock price 10 days leading up to the earnings, and a +7.44% change 10 days following the report. On the earnings day itself, the stock moves by +0.23%. This data can give you a slight idea of what to expect for the next quarter's release.
LARK Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
14.15M
16.01%
-3.91%
Gross Margin
--
--
--
Operating Margin
16.94%
-18.28%
-48.02%
Net Margin
23.20%
7.21%
-13.11%
EPS
0.57
23.91%
-16.18%
No Data Available
LARK Earnings Analysis
Landmark Bancorp Inc Corporation (LARK.O) Earnings Conference Call
Positive
Net Income Increase: Net income for the full year 2024 totaled $13,000,000, reflecting a 6.3% increase from the prior year.
Loan Portfolio Expansion: New loans added in 2024 amounted to $103,700,000, contributing to a strong growth in the loan portfolio.
Net Interest Income Increase: Net interest income increased by 6% to $45,700,000, driven by effective cost management and loan growth.
Earnings Per Share Increase: Diluted earnings per share for the fourth quarter reached $0.57, marking a 25% increase compared to the same quarter last year.
Deposit Growth Impact: Deposits increased by $53,000,000 in the fourth quarter, supporting the funding of loan growth and enhancing liquidity.
Negative
Net Income Decline: Net income in the fourth quarter of 2024 decreased to $3,300,000 from $3,900,000 in the prior quarter, indicating a decline in profitability.
Non-Interest Income Decline: Non-interest income fell by $882,000 compared to the prior quarter, primarily due to a $1,000,000 loss on the sale of low-yielding U.S. Treasury securities.
Rising Non-Interest Expenses: Non-interest expense increased by $1,300,000 in the fourth quarter, driven by higher professional fees and compensation costs, which could pressure future profitability.
Credit Loss Provision Increase: The provision for credit losses rose to $1,500,000 in the fourth quarter, up from $500,000 in the prior quarter, reflecting increased risk associated with loan growth.
Stockholders' Equity Decline: Stockholders' equity decreased by $3,500,000 to $136,200,000, primarily due to increased unrealized losses on investment securities, negatively impacting the company's financial stability.
LARK FAQs
How does LARK typically perform around its earnings report dates?
Is Landmark Bancorp Inc (LARK) Q4 2024 Earnings Call Summary positive or negative?
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LARK Earning Call Sentiment
Earnings call transcript: Landmark Bancorp Q4 2024 sees net income rise 6.3%
LARK.O
0%Positive
The earnings call presents mixed signals: strong loan growth, increased net interest income, and dividends support a positive sentiment, but declining stockholders' equity, high efficiency ratio, and unclear management guidance weigh negatively. The Q&A reveals uncertainties in loan repricing and mortgage profitability. Despite solid financial performance, lack of clear guidance and operational inefficiencies suggest a neutral stock price movement, especially given the absence of market cap data to gauge volatility.
