LARK vs XYF

Comparison between Landmark Bancorp Inc (LARK, Company) and X Financial (XYF, Company).

Both LARK and XYF are from the Financial Services sector.

5-Year PerformanceLARK has outperformed XYF, delivering a return of +10.3% compared to -3.9%

LARK vs XYF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	LARK(COMPANY)	XYF(COMPANY)
Market Cap	$196M	$196M
Max Drawdown	57.77%	95.82%
Sharpe Ratio	1.07	-1.37
5Y Beta	0.27	0.75
Industry	Banks - Regional	Credit Services
P/E Ratio	9.61	0.94
Forward P/E	8.08	N/A
PEG Ratio	0.53	0.15
Dividend Yield	2.53%	11.20%
5Y Dividends CAGR	9.96%	N/A
5Y EPS CAGR	-2.59%	16.91%
Debt to Equity	0.00%	5.23%
Free Cash Flow Yield	10.13%	N/A
P/S Ratio	2.78	0.03
P/B Ratio	1.21	0.17

Market Cap

Winner

LARK

$196M

XYF

$196M

Max Drawdown

Winner

LARK

57.77%

XYF

95.82%

Sharpe Ratio

Winner

LARK

1.07

XYF

-1.37

5Y Beta

Winner

LARK

0.27

XYF

0.75

Industry

LARK

Banks - Regional

XYF

Credit Services

P/E Ratio

LARK

9.61

Winner

XYF

0.94

Forward P/E

LARK

8.08

XYF

N/A

PEG Ratio

LARK

0.53

Winner

XYF

0.15

Dividend Yield

LARK

2.53%

Winner

XYF

11.20%

5Y Dividends CAGR

LARK

9.96%

XYF

N/A

5Y EPS CAGR

LARK

-2.59%

Winner

XYF

16.91%

Debt to Equity

Winner

LARK

0.00%

XYF

5.23%

Free Cash Flow Yield

LARK

10.13%

XYF

N/A

P/S Ratio

LARK

2.78

Winner

XYF

0.03

P/B Ratio

LARK

1.21

Winner

XYF

0.17

LARK vs XYF - Historical Returns

Returns include dividend reinvestment.

Period	LARK	XYF
1 month	-0.44%	+0.82%
3 months	+18.75%	+2.70%
6 months	+17.88%	+1.62%
1 year	+39.74%	-62.87%
5 years(CAGR)	+10.34%	-3.86%
10 years(CAGR)	+10.00%	N/A
Max(CAGR)	+10.74%	-20.00%

LARK

-0.44%

Winner

XYF

+0.82%

Winner

LARK

+18.75%

XYF

+2.70%

Winner

LARK

+17.88%

XYF

+1.62%

Winner

LARK

+39.74%

XYF

-62.87%

5Y(CAGR)

Winner

LARK

+10.34%

XYF

-3.86%

10Y(CAGR)

LARK

+10.00%

XYF

N/A

Max(CAGR)

Winner

LARK

+10.74%

XYF

-20.00%

LARK vs XYF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	LARK	XYF
2026	+22.51%	-9.46%
2025	+18.20%	-31.04%
2024	+33.00%	+139.08%
2023	-3.02%	+27.81%
2022	-17.97%	-3.51%
2021	+33.75%	+55.15%
2020	-1.27%	-62.12%
2019	+12.26%	-60.19%
2018	-11.62%	-64.33%
2017	+9.31%	N/A
2016	+23.45%	N/A
2015	+33.66%	N/A
2014	+15.35%	N/A
2013	+6.01%	N/A
2012	+16.79%	N/A
2011	+21.59%	N/A
2010	+29.38%	N/A
2009	-18.67%	N/A
2008	-9.57%	N/A
2007	+0.29%	N/A
2006	+16.26%	N/A
2005	-6.10%	N/A
2004	+13.06%	N/A
2003	+24.48%	N/A
2002	+26.35%	N/A
2001	+24.31%	N/A
2000	-9.36%	N/A
1999	+35.53%	N/A

LARK vs XYF Drawdown Comparison

The maximum drawdown for LARK was -46.95%, occurring on Feb 9, 2009. Recovery took 1092 trading sessions.

The maximum drawdown for XYF was -95.75%, occurring on Sep 24, 2020. This drawdown has not yet recovered.

The current LARK drawdown is -2.12%. The current XYF drawdown is -82.70%.

Rank	LARK	XYF
#1	-46.95% Aug 1, 2007 - Nov 29, 2011	-95.75% Sep 19, 2018 - Sep 24, 2020
#2	-40.30% Jan 19, 2022 - Dec 2, 2024	N/A
#3	-37.87% Dec 31, 1999 - Aug 7, 2001	N/A
#4	-30.43% Jun 8, 2020 - Feb 2, 2021	N/A
#5	-30.28% Jun 1, 2017 - Jun 5, 2020	N/A
#6	-26.80% Apr 20, 2005 - Aug 25, 2006	N/A
#7	-25.00% Nov 29, 2011 - May 7, 2012	N/A
#8	-20.73% May 2, 2025 - Dec 10, 2025	N/A
#9	-18.57% Jun 17, 2014 - Oct 2, 2014	N/A
#10	-17.12% Mar 19, 2021 - Oct 11, 2021	N/A
#11	-16.80% Dec 12, 2025 - May 28, 2026	N/A
#12	-16.59% Aug 27, 2001 - Mar 1, 2002	N/A
#13	-16.22% Jul 3, 2003 - Dec 5, 2003	N/A
#14	-15.28% Jun 10, 2013 - Jun 13, 2014	N/A
#15	-13.84% Oct 21, 2014 - Feb 20, 2015	N/A

Correlation

Correlation between LARK and XYF is 0.15 which considered as a very weak or no correlation - the stocks move independently of each other.

0.15

-101

Dividend Comparison (1999 - 2026)

LARK vs XYF dividend yield comparison.

Year	LARK	XYF
2026	1.34%	5.67%
2025	3.05%	9.46%
2024	3.33%	4.08%
2023	4.04%	4.64%
2022	3.71%	0.00%
2021	2.65%	0.00%
2020	3.33%	0.00%
2019	3.04%	5.92%
2018	3.28%	0.00%
2017	2.63%	0.00%
2016	6.60%	0.00%
2015	2.76%	0.00%
2014	3.42%	0.00%
2013	9.02%	0.00%
2012	9.19%	0.00%
2011	9.81%	0.00%
2010	8.94%	0.00%
2009	9.99%	0.00%
2008	8.36%	0.00%
2007	8.11%	0.00%
2006	7.66%	0.00%
2005	7.14%	0.00%
2004	7.32%	0.00%
2003	7.51%	0.00%
2002	7.36%	0.00%
2001	7.64%	0.00%
2000	3.43%	0.00%
1999	0.70%	0.00%