Landmark Banc Financials
This page shows Landmark Banc (LARK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Capital is rebuilding while cash generation needs very little reinvestment, revealing a business governed mainly by balance-sheet management and funding costs.
Operating cash flow of$21.6M almost all survived into free cash generation because capex was only$605K , so cash use is shaped far more by funding decisions than by physical asset spending. That matters because a company carrying$1.61B of assets with 9.0x debt-to-equity depends much more on capital discipline and funding mix than on buying equipment to grow.
Debt-to-equity fell from 11.3x to 9.0x as equity capital rebuilt. That suggests recent balance-sheet improvement came from accumulating capital against a still-large asset base, not from pulling back the franchise.
Interest expense of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Landmark Banc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Landmark Banc's revenue grew 9.6% year-over-year to $81.0M, a solid pace of expansion. This earns a growth score of 53/100.
Landmark Banc has elevated debt relative to equity (D/E of 9.00), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Landmark Banc converts 26.0% of revenue into free cash flow ($21.0M). This strong cash generation earns a score of 79/100.
Landmark Banc generates a 0.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 11/100. This is up from 0.0% the prior year.
Landmark Banc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Landmark Banc generates $1152.28 in operating cash flow ($21.6M OCF vs $19K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Landmark Banc generated $81.0M in revenue in fiscal year 2025. This represents an increase of 9.6% from the prior year.
Landmark Banc reported $19K in net income in fiscal year 2025. This represents an increase of 44.4% from the prior year.
Landmark Banc earned $3.07 per diluted share (EPS) in fiscal year 2025. This represents an increase of 42.8% from the prior year.
Cash & Balance Sheet
Landmark Banc generated $21.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 76.5% from the prior year.
Landmark Banc paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 5.3% from the prior year.
Margins & Returns
Landmark Banc's net profit margin was 0.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.0 percentage points from the prior year.
Landmark Banc's ROE was 0.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.0 percentage points from the prior year.
Capital Allocation
Landmark Banc invested $605K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 73.9% from the prior year.
LARK Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20.2M-2.8% | $20.8M+0.5% | $20.7M+3.2% | $20.1M+3.9% | $19.3M+2.1% | $19.0M-0.4% | $19.0M+4.6% | $18.2M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $6.3M-7.2% | $6.8M+8.1% | $6.3M+1.1% | $6.2M+1.3% | $6.2M-1.8% | $6.3M+7.9% | $5.8M+5.4% | $5.5M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $5.2M-13.6% | $6.0M-9.0% | $6.6M+3.6% | $6.4M+3.1% | $6.2M-5.0% | $6.6M-11.7% | $7.4M+2.9% | $7.2M |
| Income Tax | $1.3M+5.5% | $1.2M+5.0% | $1.1M+19.8% | $944K-7.0% | $1.0M+214.6% | -$886K-202.2% | $867K+47.7% | $587K |
| Net Income | $5.1M+136.1% | -$14.0M-384.3% | $4.9M+11.9% | $4.4M-6.3% | $4.7M+148.4% | -$9.7M-347.0% | $3.9M+30.5% | $3.0M |
| EPS (Diluted) | $0.83 | N/A | $0.85+13.3% | $0.75-2.6% | $0.77 | N/A | $0.68+30.8% | $0.52 |
LARK Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.6B-0.1% | $1.6B-0.6% | $1.6B-0.5% | $1.6B+2.9% | $1.6B+0.3% | $1.6B+0.7% | $1.6B+0.2% | $1.6B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $32.4M0.0% | $32.4M0.0% | $32.4M0.0% | $32.4M0.0% | $32.4M0.0% | $32.4M0.0% | $32.4M0.0% | $32.4M |
| Total Liabilities | $1.4B-0.1% | $1.4B-1.0% | $1.5B-1.0% | $1.5B+2.8% | $1.4B-0.1% | $1.4B+1.0% | $1.4B-0.6% | $1.4B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $161.6M+0.6% | $160.6M+3.1% | $155.7M+5.0% | $148.4M+4.0% | $142.7M+4.7% | $136.2M-2.5% | $139.7M+8.9% | $128.3M |
| Retained Earnings | $67.4M+6.0% | $63.7M-5.4% | $67.3M+5.8% | $63.6M+5.3% | $60.4M+6.1% | $56.9M-6.0% | $60.5M+4.8% | $57.8M |
LARK Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.8M+138.1% | $2.9M-72.2% | $10.3M+2248.7% | $439K-94.5% | $8.0M+834.2% | -$1.1M-113.5% | $8.1M+85.2% | $4.4M |
| Capital Expenditures | $119K-45.9% | $220K-12.4% | $251K+195.3% | $85K+73.5% | $49K-53.8% | $106K-63.4% | $290K-53.0% | $617K |
| Free Cash Flow | $6.7M+153.4% | $2.6M-73.7% | $10.1M+2741.8% | $354K-95.6% | $8.0M+765.2% | -$1.2M-115.3% | $7.8M+107.9% | $3.8M |
| Investing Cash Flow | $14.2M+20.0% | $11.9M+63.8% | $7.2M+118.1% | -$40.1M-9347.9% | -$424K+97.5% | -$17.2M-539.1% | $3.9M+282.7% | -$2.1M |
| Financing Cash Flow | -$10.2M+42.4% | -$17.7M+5.1% | -$18.6M-143.6% | $42.8M+814.4% | -$6.0M-134.5% | $17.4M+218.1% | -$14.7M-383.2% | $5.2M |
| Dividends Paid | $1.3M+4.6% | $1.2M+0.3% | $1.2M+0.1% | $1.2M+0.1% | $1.2M+4.7% | $1.2M+0.2% | $1.2M+0.5% | $1.1M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | $17K-74.2% | $66K-18.5% | $81K |
LARK Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 25.0%+92.3pp | -67.3%-91.0pp | 23.8%+1.9pp | 21.9%-2.4pp | 24.3%+75.5pp | -51.2%-71.9pp | 20.7%+4.1pp | 16.6% |
| Return on Equity | 3.1%+11.9pp | -8.7%-11.9pp | 3.2%+0.2pp | 3.0%-0.3pp | 3.3%+10.4pp | -7.1%-9.9pp | 2.8%+0.5pp | 2.4% |
| Return on Assets | 0.3%+1.2pp | -0.9%-1.2pp | 0.3%+0.0pp | 0.3%-0.0pp | 0.3%+0.9pp | -0.6%-0.9pp | 0.3%+0.1pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.94-0.1 | 9.00-0.4 | 9.38-0.6 | 9.95-0.1 | 10.07-0.5 | 10.56+0.4 | 10.19-1.0 | 11.17 |
| FCF Margin | 33.1%+20.4pp | 12.7%-35.8pp | 48.5%+46.8pp | 1.8%-39.4pp | 41.2%+47.5pp | -6.3%-47.4pp | 41.1%+20.4pp | 20.7% |
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Frequently Asked Questions
What is Landmark Banc's annual revenue?
Landmark Banc (LARK) reported $81.0M in total revenue for fiscal year 2025. This represents a 9.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Landmark Banc's revenue growing?
Landmark Banc (LARK) revenue grew by 9.6% year-over-year, from $73.9M to $81.0M in fiscal year 2025.
Is Landmark Banc profitable?
Yes, Landmark Banc (LARK) reported a net income of $19K in fiscal year 2025, with a net profit margin of 0.0%.
What is Landmark Banc's net profit margin?
Landmark Banc (LARK) had a net profit margin of 0.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Landmark Banc pay dividends?
Yes, Landmark Banc (LARK) paid $0.80 per share in dividends during fiscal year 2025.
What is Landmark Banc's return on equity (ROE)?
Landmark Banc (LARK) has a return on equity of 0.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Landmark Banc's free cash flow?
Landmark Banc (LARK) generated $21.0M in free cash flow during fiscal year 2025. This represents a 76.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Landmark Banc's operating cash flow?
Landmark Banc (LARK) generated $21.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Landmark Banc's total assets?
Landmark Banc (LARK) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Landmark Banc's capital expenditures?
Landmark Banc (LARK) invested $605K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Landmark Banc's debt-to-equity ratio?
Landmark Banc (LARK) had a debt-to-equity ratio of 9.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Landmark Banc's return on assets (ROA)?
Landmark Banc (LARK) had a return on assets of 0.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Landmark Banc's Piotroski F-Score?
Landmark Banc (LARK) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Landmark Banc's earnings high quality?
Landmark Banc (LARK) has an earnings quality ratio of 1152.28x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Landmark Banc?
Landmark Banc (LARK) scores 24 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.