Landmark Bancorp (NASDAQ:LARK) & Bancorp (NASDAQ:TBBK) Critical Comparison

Bancorp (NASDAQ:TBBK) and Landmark Bancorp (NASDAQ:LARK) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, risk, profitability, institutional ownership, valuation, earnings and analyst recommendations.

Risk & Volatility

Bancorp has a beta of 1.43, meaning that its share price is 43% more volatile than the S&P 500. Comparatively, Landmark Bancorp has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500.

Profitability

This table compares Bancorp and Landmark Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bancorp	39.94%	26.32%	2.70%
Landmark Bancorp	14.39%	9.88%	0.75%

Analyst Recommendations

This is a breakdown of recent ratings for Bancorp and Landmark Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bancorp	0	0	3	0	3.00
Landmark Bancorp	0	0	0	0	N/A

Bancorp currently has a consensus target price of $49.00, indicating a potential upside of 47.86%. Given Bancorp’s higher possible upside, analysts clearly believe Bancorp is more favorable than Landmark Bancorp.

Valuation and Earnings

This table compares Bancorp and Landmark Bancorp’s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bancorp	$465.14 million	3.72	$192.30 million	$3.68	9.01
Landmark Bancorp	$56.23 million	1.85	$12.24 million	$2.12	8.95

Bancorp has higher revenue and earnings than Landmark Bancorp. Landmark Bancorp is trading at a lower price-to-earnings ratio than Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

96.2% of Bancorp shares are held by institutional investors. Comparatively, 25.7% of Landmark Bancorp shares are held by institutional investors. 5.2% of Bancorp shares are held by insiders. Comparatively, 17.2% of Landmark Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Summary

Bancorp beats Landmark Bancorp on 12 of the 13 factors compared between the two stocks.

About Bancorp

The Bancorp, Inc. operates as the bank holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, time, money market, and commercial accounts; overdrafts; and certificates of deposit. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; lease financing for commercial and government vehicle fleets, including trucks and other special purpose vehicles; commercial real estate bridge loans; and small business administration loans. In addition, it offers bill and other payment services; debit and prepaid card issuing services; card and bill payment, and automated clearing house processing services; and internet banking services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.

About Landmark Bancorp

Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also provides one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, such as automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It operates in the eastern, central, southeast, and southwest Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas.