Eagle Bancorp Montana, Inc. (EBMT) vs Landmark Bancorp Inc. (LARK)

Eagle Bancorp Montana, Inc. and Landmark Bancorp Inc. are both Banks Regional companies. Landmark Bancorp Inc. is the larger, with a market value of $191.1M against $170.5M — 1.1× the size. Landmark Bancorp Inc. trades at the lower P/E: 9.7× against 10.5×. Landmark Bancorp Inc. grew revenue faster over the last twelve months: 6.39% against 2.18%. Landmark Bancorp Inc. has the higher net margin (20.6% vs 12.6%) and the higher return on invested capital (6.52% vs 4.94%). Both pay a dividend; Eagle Bancorp Montana, Inc. yields more (4.37% vs 4.23%). Across the 20 metrics below, Landmark Bancorp Inc. leads on 13 and Eagle Bancorp Montana, Inc. on 7.

Valuation

Metric EBMT LARK Banks Regional median
P/E 10.49 9.69 12.15
P/S 1.32 1.99 2.37
P/B 0.86 1.17 1.21
Price to free cash flow 8.95 8.32 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.85 2.74 2.27
Earnings yield 9.54% 10.32% 8.11%
Free cash flow yield 11.17% 12.02% 8.98%

Profitability

Metric EBMT LARK Banks Regional median
Gross margin 74.69% 76.42% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.57% 20.56% 18.66%
Free cash flow margin 14.78% 23.94% 21.18%
Return on equity 8.50% 12.77% 10.64%
Return on assets 0.75% 1.25% 1.13%
Return on invested capital 4.94% 6.52% 8.33%

Growth

Metric EBMT LARK Banks Regional median
Revenue growth (TTM) 2.18% 6.39% 6.61%
EPS growth (last fiscal year) 53.23% 42.63% —
Revenue growth, 5-year CAGR 5.18% 7.58% 12.30%
Net income growth, 5-year CAGR (6.90%) (0.75%) 9.71%

Health

Metric EBMT LARK Banks Regional median
Debt to equity 0.49 0.63 0.22
Current ratio 0.87 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBMT LARK Banks Regional median
Dividend yield 4.37% 4.23% 3.75%
Payout ratio 0.37 0.41 0.27

Size

Metric EBMT LARK Banks Regional median
Market cap 170.46m 191.07m 921.07m

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