Financial Contrast: California International Bank, N.A. (OTCMKTS:CAIB) versus Landmark Bancorp (NASDAQ:LARK)

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

Volatility & Risk

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

Institutional and Insider Ownership

25.7% of Landmark Bancorp shares are owned by institutional investors. 17.2% of Landmark Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of recent recommendations for Landmark Bancorp and California International Bank, N.A., as reported by MarketBeat.com.

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

Profitability

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

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

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Landmark Bancorp	$56.26 million	1.96	$12.24 million	$2.12	9.49
California International Bank, N.A.	$4.85 million	3.51	N/A	N/A	N/A

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

Summary

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

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.

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.