AMB Financial (OTCMKTS:AMFC) versus Landmark Bancorp (NASDAQ:LARK) Head to Head Comparison

Landmark Bancorp (NASDAQ:LARK) and AMB Financial (OTCMKTS:AMFC) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, profitability, risk, valuation, institutional ownership, analyst recommendations and earnings.

Risk & Volatility

Landmark Bancorp has a beta of 0.27, suggesting that its stock price is 73% less volatile than the S&P 500. Comparatively, AMB Financial has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500.

Dividends

Landmark Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.8%. AMB Financial pays an annual dividend of $0.28 per share and has a dividend yield of 0.9%. Landmark Bancorp pays out 28.2% of its earnings in the form of a dividend. 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.

Insider & Institutional Ownership

25.7% of Landmark Bancorp shares are held by institutional investors. Comparatively, 1.2% of AMB Financial shares are held by institutional investors. 12.8% of Landmark Bancorp shares are held by company insiders. Comparatively, 37.7% of AMB Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Landmark Bancorp and AMB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Landmark Bancorp	18.32%	12.44%	1.13%
AMB Financial	N/A	N/A	N/A

Analyst Ratings

This is a summary of current recommendations and price targets for Landmark Bancorp and AMB Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Landmark Bancorp	0	1	0	0	2.00
AMB Financial	0	0	0	0	0.00

Earnings and Valuation

This table compares Landmark Bancorp and AMB Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Landmark Bancorp	$89.35 million	1.93	$13.00 million	$2.84	10.00
AMB Financial	$18.97 million	1.41	$2.19 million	N/A	N/A

Landmark Bancorp has higher revenue and earnings than AMB Financial.

Summary

Landmark Bancorp beats AMB Financial on 11 of the 13 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 AMB Financial

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks. In addition, the company offers mortgage loans, home equity loans, construction/lot loans, community loans, vehicle loans, and loan servicing; and commercial loans, commercial real estate loans, and SBA loans. Further, it provides merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online, mobile, voice, and banking services; money order and e-statement services; cashier’s checks; and safe deposit boxes. The company was founded in 1910 and is headquartered in Saint John, Indiana.