Critical Analysis: Landmark Bancorp (NASDAQ:LARK) & California International Bank, N.A. (OTCMKTS:CAIB)

California International Bank, N.A. (OTCMKTS:CAIB) and Landmark Bancorp (NASDAQ:LARK) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, profitability, analyst recommendations, valuation, institutional ownership, dividends and risk.

Profitability

This table compares California International Bank, N.A. and Landmark Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
California International Bank, N.A.	N/A	N/A	N/A
Landmark Bancorp	13.59%	9.20%	0.73%

Risk and Volatility

California International Bank, N.A. has a beta of -0.78, indicating that its stock price is 178% less volatile than the S&P 500. Comparatively, Landmark Bancorp has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500.

Insider & Institutional Ownership

25.7% of Landmark Bancorp shares are held by institutional investors. 17.2% of Landmark Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares California International Bank, N.A. and Landmark Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California International Bank, N.A.	$4.85 million	3.51	N/A	N/A	N/A
Landmark Bancorp	$56.26 million	1.99	$12.24 million	$2.12	9.67

Landmark Bancorp has higher revenue and earnings than California International Bank, N.A..

Analyst Recommendations

This is a summary of recent ratings and recommmendations for California International Bank, N.A. and Landmark Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California International Bank, N.A.	0	0	0	0	N/A
Landmark Bancorp	0	0	0	0	N/A

Summary

Landmark Bancorp beats California International Bank, N.A. on 7 of the 8 factors compared between the two stocks.

About California International Bank, N.A.

California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A. was incorporated in 2006 and is headquartered in Westminster, California.

About Landmark Bancorp

Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also provides one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, such as automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It operates in the eastern, central, southeast, and southwest Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas.