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CB Financial Services, Inc. (CBFV) vs Landmark Bancorp Inc. (LARK)

CB Financial Services, Inc. and Landmark Bancorp Inc. are both Banks Regional companies. CB Financial Services, Inc. and Landmark Bancorp Inc. are of similar size ($194.0M and $192.5M). Landmark Bancorp Inc. trades at the lower P/E: 9.5× against 26.3×. Landmark Bancorp Inc. grew revenue faster over the last twelve months: 6.39% against −9.38%. Landmark Bancorp Inc. has the higher net margin (20.6% vs 9.90%) and the higher return on invested capital (6.52% vs 4.10%). Both pay a dividend; CB Financial Services, Inc. yields more (2.93% vs 2.63%). Across the 19 metrics below, Landmark Bancorp Inc. leads on 15 and CB Financial Services, Inc. on 4.

Valuation

Metric CBFV LARK Banks Regional median
P/E 26.26 9.55 11.98
P/S 2.61 1.96 2.34
P/B 1.18 1.15 1.19
Price to free cash flow 9.73 8.20 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.81% 10.47% 8.23%
Free cash flow yield 10.27% 12.20% 9.08%

Profitability

Metric CBFV LARK Banks Regional median
Gross margin 66.30% 76.42% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.90% 20.56% 18.66%
Free cash flow margin 26.86% 23.94% 21.11%
Return on equity 4.65% 12.77% 10.65%
Return on assets 0.45% 1.25% 1.13%
Return on invested capital 4.10% 6.52% 8.35%

Growth

Metric CBFV LARK Banks Regional median
Revenue growth (TTM) (9.38%) 6.39% 6.98%
EPS growth (last fiscal year) (61.34%) 42.63% 18.88%
Revenue growth, 5-year CAGR 3.83% 7.58% 12.38%
Net income growth, 5-year CAGR 0.00% (0.75%) 9.71%

Health

Metric CBFV LARK Banks Regional median
Debt to equity 0.21 0.63 0.22
Current ratio 0.85 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBFV LARK Banks Regional median
Dividend yield 2.93% 2.63% 2.57%
Payout ratio 0.81 0.25 0.30

Size

Metric CBFV LARK Banks Regional median
Market cap 194.02m 192.47m 913.33m

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