Landmark Bancorp's net earnings rise 44.4% in 2025
Overview
Community bank's Q4 net income rose yr/yr to $4.7 mln
Q4 diluted EPS was $0.77, down from Q3 but up yr/yr
Total revenue for Q4 increased 2.9% over prior quarter
Outlook
Landmark Bancorp did not provide specific guidance for future quarters or full year
Result Drivers
NET INTEREST INCOME - Higher rates on loans and investments, along with lower interest expenses, drove an increase in net interest income
DEPOSIT GROWTH - Average deposit balances increased by $8.8 million, improving the cost of deposits to 1.50%
LOAN PORTFOLIO CHANGES - Decrease in period-end loans was offset by growth in commercial real estate and agriculture loans
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.77 |
|
Q4 Net Income |
| $4.74 mln |
|
Q4 Net Interest Income |
| $14.79 mln |
|
Q4 Dividend |
| $0.21 |
|
Q4 Net Interest Margin |
| 4.03% |
|
Q4 Pretax Profit |
| $5.93 mln |
|
Press Release: ID:nGNX6HYF6H
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