BayFirst Financial Corp. (BAFN) vs Landmark Bancorp Inc. (LARK)
BayFirst Financial Corp. and Landmark Bancorp Inc. are both Banks Regional companies. BayFirst Financial Corp. and Landmark Bancorp Inc. are of similar size ($192.0M and $191.1M). BayFirst Financial Corp. has negative trailing earnings, so its P/E is not meaningful; Landmark Bancorp Inc. trades at 9.7×. Landmark Bancorp Inc. grew revenue faster over the last twelve months: 6.39% against −50.1%. Landmark Bancorp Inc. has the higher net margin (20.6% vs −86.9%) and the higher return on invested capital (6.52% vs 0.00%). Both pay a dividend; Landmark Bancorp Inc. yields more (4.23% vs 2.52%). Across the 19 metrics below, Landmark Bancorp Inc. leads on 10 and BayFirst Financial Corp. on 9.
Valuation
Profitability
| Metric | BAFN | LARK | Banks Regional median |
|---|---|---|---|
| Gross margin | 49.73% | 76.42% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (86.85%) | 20.56% | 18.66% |
| Free cash flow margin | 205.06% | 23.94% | 21.18% |
| Return on equity | (102.63%) | 12.77% | 10.64% |
| Return on assets | (4.89%) | 1.25% | 1.13% |
| Return on invested capital | 0.00% | 6.52% | 8.33% |
Growth
Health
Dividend
Size
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