Financial Contrast: Landmark Bancorp (LARK) versus U.S. Bancorp (USB)

Landmark Bancorp (NASDAQ:LARK) and U.S. Bancorp (NYSE:USB) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, valuation, profitability, earnings, risk and analyst recommendations.

Institutional & Insider Ownership

21.8% of Landmark Bancorp shares are held by institutional investors. Comparatively, 75.2% of U.S. Bancorp shares are held by institutional investors. 22.5% of Landmark Bancorp shares are held by insiders. Comparatively, 0.4% of U.S. Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent recommendations for Landmark Bancorp and U.S. Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Landmark Bancorp 0 0 0 0 N/A
U.S. Bancorp 2 10 9 0 2.33

U.S. Bancorp has a consensus price target of $59.53, indicating a potential upside of 13.17%. Given U.S. Bancorp’s higher possible upside, analysts plainly believe U.S. Bancorp is more favorable than Landmark Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
Landmark Bancorp 21.88% 11.65% 1.06%
U.S. Bancorp 27.53% 15.14% 1.46%

Earnings and Valuation

This table compares Landmark Bancorp and U.S. Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Landmark Bancorp $44.93 million 2.31 $4.36 million N/A N/A
U.S. Bancorp $24.00 billion 3.54 $6.22 billion $3.42 15.38

U.S. Bancorp has higher revenue and earnings than Landmark Bancorp.

Dividends

Landmark Bancorp pays an annual dividend of $0.76 per share and has a dividend yield of 3.2%. U.S. Bancorp pays an annual dividend of $1.48 per share and has a dividend yield of 2.8%. U.S. Bancorp pays out 43.3% of its earnings in the form of a dividend. Landmark Bancorp has increased its dividend for 2 consecutive years and U.S. Bancorp has increased its dividend for 7 consecutive years.

Volatility and Risk

Landmark Bancorp has a beta of 0.54, meaning that its share price is 46% less volatile than the S&P 500. Comparatively, U.S. Bancorp has a beta of 0.9, meaning that its share price is 10% less volatile than the S&P 500.

Summary

U.S. Bancorp beats Landmark Bancorp on 12 of the 15 factors compared between the two stocks.

About Landmark Bancorp

Landmark Bancorp, Inc. operates as the bank holding company for Landmark National Bank that provides various financial and banking services. The company accepts various deposits comprising non-interest bearing demand deposits, money market and checking accounts, savings accounts, and certificates of deposit. It also offers 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 January 29, 2018, the company had 29 branch offices in 23 communities across the state of Kansas. Landmark Bancorp, Inc. was founded in 1920 and is headquartered in Manhattan, Kansas.

About U.S. Bancorp

U.S. Bancorp, a financial services holding company, provides various financial services in the United States. The company operates through five segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products, as well as credit card services, leasing financing, import/export trade, asset-backed lending, agricultural finance, and other products. The company also provides ancillary services, such as capital markets, treasury management, and receivable lock-box collection services to corporate customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, it offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as cash and investment management, ATM processing, mortgage banking, and brokerage and leasing services. The company offers its products and services through operating a network of 3,067 banking offices principally operating in the Midwest and West regions of the United States, and through online services and over mobile devices, as well as operates a network of 4,771 ATMs. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.

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