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LARK

Landmark BancorpA
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 diluted EPS increased to $0.88 from $0.83 in Q1, aided by lower funding costs, while tangible capital strengthened. If credit stabilizes and the funding benefit persists, the shares could rerate.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-28.
What can break
Nonperforming loans rose to 1.18% of gross loans from 0.94% quarter over quarter; allowance coverage of nonperforming loans fell below 100%. [#SEC-8K-2026-07-29]
Momentum
97
Value
62
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.00 · Bull $39.00 · Bear $24.00Analysis 2026-10-21; returns require an exact persisted reference.
Earnings
2026-10-28
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $34.50
Why
Momentum97 · Δ7d -
Value62 · Δ7d -0.0
Sentiment56 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-28.
  • • Value remains the lead driver in the composite, 7D delta -0.0.

Contradictions & invalidation

  • • Nonperforming loans rose to 1.18% of gross loans from 0.94% quarter over quarter; allowance coverage of nonperforming loans fell below 100%. [#SEC-8K-2026-07-29]
  • • Q2 net interest margin declined two basis points sequentially despite lower deposit costs; future funding or asset-yield changes could weaken net interest income. [#SEC-8K-2026-07-29]
  • • Nonperforming loans increased sequentially and management said they remained higher than desired.

Catalyst clock

2026-10-28

Credit-quality and reserve test

Lead driver: Value · See fundamentals
Momentum
97
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
62
47% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.6
Sentiment
56
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade A. Momentum 97.4 / Value 62.0 / Sentiment 55.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-21. Scenario method

B+
Bull case
25%
Probability
Target price
$39.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$34.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$199.06M
Beta
0.29
Shares Out
6.1M
P/E (TTM)
9.0
P/S (TTM)
2.30
P/FCF (TTM)
12.59
Rev YoY
+2.6%
EPS YoY
+21.9%
Gross Margin
-
Op Margin
+25.7%
Net Debt
$12.74M
Current Ratio
0.03
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data