Landmark Bancorp (LARK) Competitors

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

Is LARK or XYF a better dividend stock?

Landmark Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 3.1%. X Financial pays an annual dividend of $0.48 per share and has a dividend yield of 3.3%. Landmark Bancorp pays out 29.8% of its earnings in the form of a dividend. X Financial pays out 9.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Landmark Bancorp has increased its dividend for 6 consecutive years. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has more volatility and risk, LARK or XYF?

Landmark Bancorp has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500. Comparatively, X Financial has a beta of 0.3, meaning that its stock price is 70% less volatile than the S&P 500.

Is LARK or XYF more profitable?

X Financial has a net margin of 23.30% compared to Landmark Bancorp's net margin of 17.55%. X Financial's return on equity of 25.42% beat Landmark Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Landmark Bancorp	17.55%	12.09%	1.08%
X Financial	23.30%	25.42%	14.98%

Which has stronger valuation and earnings, LARK or XYF?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Landmark Bancorp	$89.35M	1.76	$13M	$2.82	9.65
X Financial	$3.15B	0.20	$210.97M	$5.34	2.76

Does the media refer more to LARK or XYF?

In the previous week, Landmark Bancorp had 1 more articles in the media than X Financial. MarketBeat recorded 4 mentions for Landmark Bancorp and 3 mentions for X Financial. X Financial's average media sentiment score of 1.16 beat Landmark Bancorp's score of 0.67 indicating that X Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Landmark Bancorp	2 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
X Financial	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do institutionals & insiders believe in LARK or XYF?

25.7% of Landmark Bancorp shares are held by institutional investors. Comparatively, 1.1% of X Financial shares are held by institutional investors. 12.8% of Landmark Bancorp shares are held by company insiders. Comparatively, 31.6% of X Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

X Financial beats Landmark Bancorp on 11 of the 16 factors compared between the two stocks.