Head to Head Survey: Landmark Bancorp (NASDAQ:LARK) & SmartFinancial (NASDAQ:SMBK)

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

Valuation & Earnings

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Landmark Bancorp $48.72 million 2.09 $10.43 million N/A N/A
SmartFinancial $98.76 million 2.96 $18.10 million $1.55 13.51

SmartFinancial has higher revenue and earnings than Landmark Bancorp.

Dividends

Landmark Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 3.4%. SmartFinancial does not pay a dividend. Landmark Bancorp has increased its dividend for 3 consecutive years.

Profitability

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

Net Margins Return on Equity Return on Assets
Landmark Bancorp 21.08% 11.62% 1.08%
SmartFinancial 18.23% 7.91% 0.97%

Risk and Volatility

Landmark Bancorp has a beta of 0.52, meaning that its share price is 48% less volatile than the S&P 500. Comparatively, SmartFinancial has a beta of 0.53, meaning that its share price is 47% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for Landmark Bancorp and SmartFinancial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Landmark Bancorp 0 0 0 0 N/A
SmartFinancial 0 1 4 0 2.80

SmartFinancial has a consensus price target of $25.33, suggesting a potential upside of 20.98%. Given SmartFinancial’s higher possible upside, analysts plainly believe SmartFinancial is more favorable than Landmark Bancorp.

Institutional and Insider Ownership

19.5% of Landmark Bancorp shares are owned by institutional investors. Comparatively, 38.7% of SmartFinancial shares are owned by institutional investors. 18.1% of Landmark Bancorp shares are owned by company insiders. Comparatively, 9.8% of SmartFinancial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

SmartFinancial beats Landmark Bancorp on 7 of the 13 factors compared between the two stocks.

Landmark Bancorp Company Profile

Landmark Bancorp, Inc. operates as the bank holding company for Landmark National Bank that provides various financial and banking services. The company offers checking, savings, and money market accounts, as well as certificates of deposit. It also provides various loan products, such as one-to-four family residential real estate, construction and land, commercial real estate, commercial, municipal, and agriculture loans, as well as consumer and other loans, including automobile, boat, home improvement, and home equity loans. As of December 31, 2018, the company had 29 branch offices in 23 communities across the state of Kansas. Landmark Bancorp, Inc. was founded in 1885 and is headquartered in Manhattan, Kansas.

SmartFinancial Company Profile

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, Florida, and Georgia. The company offers various deposit products, including interest bearing and non-interest bearing checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. It also provides commercial real estate loans, consumer real estate loans, and construction and land development loans; commercial and industrial loans, including commercial, financial, and agricultural loans; and consumer and other loans, such as direct consumer installment loans, overdrafts and other revolving credit loans, and educational loans. In addition, the company offers Internet and mobile banking services. As of December 31, 2018, it operated through 29 full-service branches located in Tennessee, Alabama, and Florida; and 2 loan production offices, 2 mortgage loan production offices, and 2 service centers. SmartFinancial, Inc. is headquartered in Knoxville, Tennessee.

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