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

Earnings and Valuation

This table compares Landmark Bancorp and American National BankShares’ revenue, earnings per share 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
American National BankShares $82.04 million 4.87 $22.58 million $2.69 13.29

American National BankShares 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%. American National BankShares pays an annual dividend of $1.00 per share and has a dividend yield of 2.8%. American National BankShares pays out 37.2% of its earnings in the form of a dividend. Landmark Bancorp has raised its dividend for 3 consecutive years and American National BankShares has raised its dividend for 3 consecutive years.

Profitability

This table compares Landmark Bancorp and American National BankShares’ 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%
American National BankShares 27.24% 10.73% 1.28%

Institutional & Insider Ownership

19.5% of Landmark Bancorp shares are held by institutional investors. Comparatively, 31.5% of American National BankShares shares are held by institutional investors. 18.1% of Landmark Bancorp shares are held by insiders. Comparatively, 5.0% of American National BankShares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

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

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Landmark Bancorp 0 0 0 0 N/A
American National BankShares 0 0 2 0 3.00

American National BankShares has a consensus target price of $41.50, indicating a potential upside of 16.08%. Given American National BankShares’ higher possible upside, analysts plainly believe American National BankShares is more favorable than Landmark Bancorp.

Risk & Volatility

Landmark Bancorp has a beta of 0.52, suggesting that its share price is 48% less volatile than the S&P 500. Comparatively, American National BankShares has a beta of 0.97, suggesting that its share price is 3% less volatile than the S&P 500.

Summary

American National BankShares beats Landmark Bancorp on 9 of the 13 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 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.

About American National BankShares

American National Bankshares Inc. operates as the bank holding company for American National Bank and Trust Company that provides financial products and services. The company operates through two segments, Community Banking, and Trust and Investment Services. It accepts deposit products, including checking, money market, savings, and consumer and commercial time deposits, as well as certificates of deposit. The company's loan products comprise commercial and residential real estate loans, commercial loans to small and medium-sized businesses, construction and land development loans, home equity loans, mortgage loans, and consumer loans. It also offers trust and investment services, such as estate planning, trust account administration, investment management, and retail brokerage services; online and telephone banking services; insurance services; and investment management services, including purchasing equity, fixed income, and mutual fund investments for customer accounts, as well as operates 34 automated teller machines. As of December 31, 2018, it operated 24 banking offices and 2 loan production offices in Roanoke, Virginia and Raleigh, North Carolina. American National Bankshares Inc. was founded in 1909 and is headquartered in Danville, Virginia.

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