Landmark Bancorp Inc. (LARK) vs SB Financial Group, Inc. (SBFG)

Landmark Bancorp Inc. and SB Financial Group, Inc. are both Banks Regional companies. Landmark Bancorp Inc. and SB Financial Group, Inc. are of similar size ($192.2M and $191.1M). Landmark Bancorp Inc. trades at the lower P/E: 9.7× against 11.1×. SB Financial Group, Inc. grew revenue faster over the last twelve months: 8.95% against 6.39%. Landmark Bancorp Inc. has the higher net margin (20.6% vs 17.7%) and the lower return on invested capital (6.52% vs 26.8%). Both pay a dividend; Landmark Bancorp Inc. yields more (4.23% vs 3.25%). Across the 20 metrics below, Landmark Bancorp Inc. leads on 11 and SB Financial Group, Inc. on 9.

Valuation

Metric LARK SBFG Banks Regional median
P/E 9.69 11.14 12.15
P/S 1.99 1.95 2.37
P/B 1.17 1.26 1.21
Price to free cash flow 8.32 8.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.74 0.92 2.27
Earnings yield 10.32% 8.98% 8.11%
Free cash flow yield 12.02% 12.47% 8.98%

Profitability

Metric LARK SBFG Banks Regional median
Gross margin 76.42% 72.07% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.56% 17.67% 18.66%
Free cash flow margin 23.94% 24.35% 21.18%
Return on equity 12.77% 11.95% 10.64%
Return on assets 1.25% 1.08% 1.13%
Return on invested capital 6.52% 26.76% 8.33%

Growth

Metric LARK SBFG Banks Regional median
Revenue growth (TTM) 6.39% 8.95% 6.61%
EPS growth (last fiscal year) 42.63% 27.33% —
Revenue growth, 5-year CAGR 7.58% 4.59% 12.30%
Net income growth, 5-year CAGR (0.75%) (1.33%) 9.71%

Health

Metric LARK SBFG Banks Regional median
Debt to equity 0.63 0.29 0.22
Current ratio 0.87 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LARK SBFG Banks Regional median
Dividend yield 4.23% 3.25% 3.75%
Payout ratio 0.41 0.28 0.27

Size

Metric LARK SBFG Banks Regional median
Market cap 191.07m 192.15m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack