What is the market's earnings forecast for Landmark Bancorp next quarter?

What is Landmark Bancorp's gross profit margin?

What does Landmark Bancorp do and what are its main business segments?

What is the revenue and EPS growth rate for Landmark Bancorp year over year?

What is Landmark Bancorp's latest dividend and current dividend yield?

What were the key takeaways from Landmark Bancorp’s earnings call?

Did Landmark Bancorp beat or miss consensus estimates last quarter?

What guidance did Landmark Bancorp's management provide for the next earnings period?

- **Record Q3 Earnings**: $4.9 million net income, 24.1% YoY growth, driven by 15% revenue increase. 
- **Stable Margin & Efficiency**: 3.83% net interest margin, efficiency ratio 60.7%.
- **Dividend Expansion**: $0.21 cash dividend + 5% stock dividend, marking 25 years of consecutive 5% stock dividends.
- **Credit Strength**: Nonperforming loans down 42%, allowance at 1.10% of loans, with Kansas unemployment at 3.8%.
- **Deposit Growth**: +$51.6 million deposits, 14% noninterest-bearing growth.

**【CEO Summary Section】**
- **Q3 2025 Financial Highlights**: Net income of $4.9 million ($0.85 EPS), up 24.1% YoY, driven by 15% YoY revenue growth. Return on assets improved to 1.21%, and return on equity to 13.0%. Efficiency ratio improved to 60.7%.
- **Loan Performance**: Average loans grew 10% annualized, with flat period-end balances. Nonperforming loans declined by $7 million, reflecting resolution of a large commercial loan.
- **Dividend Announcement**: $0.21 cash dividend (November 26) and 5% stock dividend (December 15), marking 97th consecutive quarterly dividend and 25th consecutive 5% stock dividend.
- **Strategic Focus**: Investment in talent, infrastructure, and customer relationships to support growth in lending and fee businesses.

**【CFO Financial Commentary】**
- **Net Interest Income**: Increased by $411,000 QoQ, with stable 3.83% net interest margin. Tax equivalent yield on loans remained steady at 6.37%.
- **Noninterest Income Growth**: $4.1 million, up $442,000 QoQ, driven by mortgage loan gains and fee income. Noninterest expense rose $290,000 QoQ due to consulting and occupancy costs.
- **Capital Management**: Tangible book value per share increased to $20.96, up 6.6% QoQ. Stockholders' equity grew $7.4 million to $155.7 million.
- **Liquidity**: Loan-to-deposit ratio of 83.4%, with $1.3 billion deposits, including $22.9 million CD growth and $14 million noninterest-bearing deposit increase.

**【CCO Credit Highlights】**
- **Portfolio Mix**: Commercial real estate and mortgage loans grew $19 million and $4.5 million, respectively, offset by declines in commercial and construction loans.
- **Credit Quality**: Nonaccrual loans decreased by $7 million, with net charge-offs of $2.3 million (mostly from resolved commercial loan). Allowance for credit losses at 1.10% of gross loans.
- **Economic Outlook**: Kansas unemployment at 3.8%, home sales up 1.2% YoY with 5.5% price growth, supporting stable credit environment.

**【Q&A Highlights】**
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