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Why LARK Stock advanced +0.87% Today — RQD Quant Desk Flash

$32.35 +0.87% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $32.34

Landmark Bancorp Inc. (LARK) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $195.6M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LARK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Landmark Bancorp Inc. (NASDAQ: LARK) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $32.35 (+0.87% 1D, market cap $195.6M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, LARK ranks #348 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LARK compare to SBFG and CBFV in the Financials sector?
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Within the Financials sector (Major Banks), LARK carries a Roarable C (62/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, SBFG (SB Financial Group Inc.) holds a B grade (72/100 RQD, P/E 14.0x, ROIC 9.9%, cap $193.2M) and CBFV (CB Financial Services Inc.) posts a C grade (63/100 RQD, P/E 41.7x, ROIC 3.1%, cap $201.6M). Among the 5-stock peer group, FINW leads on earnings multiple (11.5x) while SBFG leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LARK?
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Per LARK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001141688), Landmark Bancorp Inc. generated $674.8M in revenue (+2.1% YoY), $18.8K in net income, and $21.0M in free cash flow against $1.61B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $32.34 (-0.03%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 3.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk B-
Cash (12)Whales (10)SEC (13)Macro (15)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$39 Bull$33 Base$26 Bear
📬 FREE LARK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LARK)Realized 20D OHLCV Swing Band: ±3.4%
Deterministic 5-Pillar Attribution (62/100 Composite)
🔍 WHY LARK SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (24% of score)

FRED Regime × Technicals: 80% of 52W Range • RSI-14 at 53 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
54
Grade C-$31.32-0.3% Next Q
Q2 (-2Q)
57
Grade C$31.24+1.4% Next Q
Q3 (-1Q)
59
Grade C$31.69+2.1% Next Q
Current
62
Grade C$32.35+0.7% Hist 90D α
Trajectory: C- (54) → C (62)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LARK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, LARK faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.85) or 200D SMA ($29.23) invalidates the momentum regime and cuts Target Base ($32.93) toward Bear Floor ($25.69).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LARK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “LARK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 62%NO 38%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why LARK Stock advanced +0.87% Today — RQD Quant Desk Flash

Landmark Bancorp Inc. (LARK) advanced +0.87% to $32.35, trading at 80% of its 52-week range ($23.57 – $34.6). Solid steady margins (0% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 80% of its 52-week range ($23.57 – $34.6) with RSI-14 at 53 (NEUTRAL RANGE).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±3.4% around $32.35 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $21.0M annual free cash flow.
Live LARK Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (LARK Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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LARK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +24.04%▲ ASCENDING CHANNEL
2026-11-03O $32.27H $32.35L $32.07C $32.35VOL 5.7K
RES: $35.90SUP: $30.98SMA50: $31.85SMA200: $29.23
$35.22$32.64$30.06$27.48$24.90RES $35.90SUP $30.98$32.352026-05-042026-06-172026-08-042026-09-172026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LARK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LARK Butterfly Map → + Track LARK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +2.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on LARK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LARK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for LARK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LARK)

Financials Rank #348 of 1097 ⚔️ SBFG vs LARK Full Matrix →

1. Head-to-Head Financials Peer Comparison (LARK vs. SBFG, CBFV, FINW, BAFN)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Landmark Bancorp Inc. (LARK) ranks #348 by composite RQD confidence (62/100, grade C) and #887 by equity capitalization ($195.6M). Within this direct 5-issuer industry benchmark cohort, FINW leads on earnings valuation at 11.5x trailing P/E, while SBFG leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. SBFG currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with LARK at 62/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
LARK ACTIVE
Landmark Bancorp Inc.
C 62/100 — — 0.0% +0.87% $195.6M Benchmark Subject
SBFG
SB Financial Group Inc.
B 72/100 14.0x — 9.9% +1.75% $193.2M /sbfg-vs-lark →
CBFV
CB Financial Services Inc.
C 63/100 41.7x — 3.1% +1.11% $201.6M /cbfv-vs-lark →
FINW
FinWise Bancorp
D- 36/100 11.5x — 8.3% +0.46% $183.1M /finw-vs-lark →
BAFN
BayFirst Financial Corp.
D- 38/100 — — -30.1% +1.38% $180.2M /bafn-vs-lark →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001141688 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Landmark Bancorp Inc. (LARK) reported GAAP revenue of $674.8M (+2.1% vs. FY2024 revenue of $661.1M , and +1308.9% cumulative change since FY2023) , GAAP net income of $18.8K, operating cash flow of $21.6M, and free cash flow of $21.0M (+76.5% YoY). On the balance sheet, LARK closed FY2025 with $1.61B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $674.8M $18.8K $21.6M $21.0M $1.61B —
FY2024 (FY) 2024-12-31 $661.1M $13.0K $14.2M $11.9M $1.57B —
FY2023 (FY) 2023-12-31 $47.9M $12.2K $12.6M $12.6M — —

3. LARK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LARK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Landmark Bancorp Inc. (NASDAQ: LARK) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $32.35 (+0.87% 1D, market cap $195.6M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, LARK ranks #348 in composite RQD confidence.

How does LARK compare to SBFG and CBFV in the Financials sector?

Within the Financials sector (Major Banks), LARK carries a Roarable C (62/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, SBFG (SB Financial Group Inc.) holds a B grade (72/100 RQD, P/E 14.0x, ROIC 9.9%, cap $193.2M) and CBFV (CB Financial Services Inc.) posts a C grade (63/100 RQD, P/E 41.7x, ROIC 3.1%, cap $201.6M). Among the 5-stock peer group, FINW leads on earnings multiple (11.5x) while SBFG leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LARK?

Per LARK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001141688), Landmark Bancorp Inc. generated $674.8M in revenue (+2.1% YoY), $18.8K in net income, and $21.0M in free cash flow against $1.61B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LARK trading relative to its 50-day, 200-day, and 52-week technical levels?

LARK last traded at $32.35 (+0.87% on volume of 5,155 shares), positioning the stock +1.57% above its 50-day simple moving average ($31.85) and +10.67% above its 200-day simple moving average ($29.23). Across its 52-week range of $23.57 to $34.60, LARK sits at the 79.6% percentile with a 14-day RSI of 53.0 (NEUTRAL RANGE) and an implied next-earnings move of ±3.4% ($31.25 to $33.45).

Direct Sub-Reports: LARK RQD Cockpit LARK 12M Forecast LARK Earnings & Move LARK Dividends & DRIP LARK Insiders & 13F LARK Whale Options LARK Profit Sankey LARK News & Why
ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

LARK — Landmark Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Landmark Bancorp Inc. (LARK) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $32.35 (+0.87% 1D, market capitalization $195.6M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 0.0%, gross margin of —, operating margin of —, and free cash flow yield of 10.68%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Landmark Bancorp Inc. Is a NASDAQ-listed issuer...2B. — for the specific products sold, customer base, or revenue model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Landmark Bancorp Inc. (LARK) reported $674.8M in annual revenue (up from $661.1M in FY2024, +2.1% YoY) and $18.8K in GAAP net income. Over the multi-year SEC filing window from FY2023 ($47.9M revenue, $12.2K net income) through FY2025, LARK scaled operating cash flow to $21.6M and free cash flow to $21.0M, backed by $1.61B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 62/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 10.68% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $23.57 – $34.60 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Supply chain is NONE, with an empty list of butterfly links and no proprietary signals. — for upstream or downstream dependencies, sector correlations, or second-order bottlenecks.

  • Key Question #1: Can LARK sustain or expand its — operating margin and 0.0% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $674.8M and free cash flow of $21.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is LARK's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

LARK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Landmark Bancorp Inc. (LARK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LARK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LARK Bull vs. Bear Conversation Board — What's Your Call at $32.35?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LARK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on LARK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $38.48 (+20.0%)
📌 Pinned Debate

A 10.68% FCF yield and 2.47% dividend yield, with the strongest pillars in forensic balance sheet at 13 of 20.

Long LARK at $32.07 targeting $38.48. A 10.68% FCF yield and 2.47% dividend yield, with the strongest pillars in forensic balance sheet at 13 of 20.. Institutional whale score is 10/20 and the risk/reward vs. the $23.57 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@BreakoutHunter Agree on the RQD 62/100 quality, though with 1.0 beta I'm scaling in with half-size at $32.07 and keeping dry powder in case we test $29.83.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $24.37 (-24.0%)
Spot @ $32.07

Zero ROIC and margins, a whale-flow pillar of only 8 of 20, and a director share sale in the news wire.

Fading this rally in LARK at $32.07. Zero ROIC and margins, a whale-flow pillar of only 8 of 20, and a director share sale in the news wire.. With a beta of 1.0 and the stock sitting at $32.07 (52-wk range $23.57–$34.60), the easy multiple expansion is already priced in.

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