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LARK vs MA

LARK
Landmark Bancorp, Inc.
NEUTRAL
Price
$26.72
Market Cap
$162.3M
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
LARK
8.3
MA
30.28
Forward P/E
LARK
--
MA
22.05
P/B Ratio
LARK
1.01
MA
57.74
P/S Ratio
LARK
2.38
MA
13.6
EV/EBITDA
LARK
--
MA
22.13

Profitability

Gross Margin
LARK
0.0%
MA
100.0%
Operating Margin
LARK
35.78%
MA
57.73%
Profit Margin
LARK
27.5%
MA
45.65%
ROE
LARK
12.65%
MA
209.91%
ROA
LARK
1.18%
MA
23.72%

Growth

Revenue Growth
LARK
27.5%
MA
17.6%
Earnings Growth
LARK
42.3%
MA
24.2%

Financial Health

Debt/Equity
LARK
--
MA
2.56
Current Ratio
LARK
--
MA
1.03
Quick Ratio
LARK
--
MA
0.68

Dividends

Dividend Yield
LARK
3.03%
MA
0.7%
Payout Ratio
LARK
24.82%
MA
18.4%

AI Verdict

LARK NEUTRAL

LARK presents a stark contradiction between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($43.77) and Intrinsic Value ($94.99), the low health score suggests underlying operational or financial instability. Strong YoY earnings growth (42.3%) and a conservative dividend payout provide a bullish counter-narrative, but bearish insider sentiment and a total lack of technical momentum (0/100) warrant caution.

Strengths
Significant undervaluation relative to Graham Number ($43.77) and Intrinsic Value ($94.99)
Strong earnings growth (42.3% YoY) and revenue growth (27.5% YoY)
Attractive valuation multiples with a P/E of 8.30 and Price/Book of 1.01
Risks
Critical fundamental health weakness indicated by a Piotroski F-Score of 2/9
Bearish insider activity with net selling and zero buy transactions
Severe lack of technical momentum (Technical Trend: 0/100)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

LARK vs MA: Head-to-Head Comparison

This page compares Landmark Bancorp, Inc. (LARK) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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