Landmark Bancorp (LARK) Competitors

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

Which has higher earnings & valuation, XYF or LARK?

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
X Financial	$3.15B	0.21	$210.97M	$5.34	2.95
Landmark Bancorp	$89.35M	1.74	$13M	$2.82	9.51

Is XYF or LARK 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
X Financial	23.30%	25.42%	14.98%
Landmark Bancorp	17.55%	12.09%	1.08%

Is XYF or LARK a better dividend stock?

X Financial pays an annual dividend of $0.48 per share and has a dividend yield of 3.0%. Landmark Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 3.1%. X Financial pays out 9.0% of its earnings in the form of a dividend. Landmark Bancorp pays out 29.8% 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. Landmark Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media prefer XYF or LARK?

In the previous week, X Financial had 13 more articles in the media than Landmark Bancorp. MarketBeat recorded 14 mentions for X Financial and 1 mentions for Landmark Bancorp. X Financial's average media sentiment score of 0.78 beat Landmark Bancorp's score of 0.72 indicating that X Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
X Financial	6 Very Positive mention(s)	0 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Landmark Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility & risk, XYF or LARK?

X Financial has a beta of 0.25, suggesting that its share price is 75% less volatile than the S&P 500. Comparatively, Landmark Bancorp has a beta of 0.27, suggesting that its share price is 73% less volatile than the S&P 500.

Do insiders and institutionals believe in XYF or LARK?

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

Summary

X Financial beats Landmark Bancorp on 10 of the 16 factors compared between the two stocks.