Consumer Portfolio Services, Inc. (CPSS) vs Landmark Bancorp, Inc. (LARK)
A side-by-side comparison of Consumer Portfolio Services, Inc. and Landmark Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CPSS vs LARK
growth of $100 · dividends reinvested · last 10yCPSS vs LARK: by the numbers
- •CPSS is the larger company ($198M vs $190M market cap).
- •LARK trades at the lower trailing earnings multiple (9.41 vs 10.02 P/E), one valuation lens rather than an overall verdict.
- •LARK converts more revenue to profit (25.55% vs 4.79% net margin).
- •CPSS grew revenue faster over the past five years (11.42% vs 3.03% CAGR).
- •LARK pays a dividend (2.66% yield), while CPSS has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | CPSS | LARK |
|---|---|---|
| P/E ratio | 10.02 | 9.41 |
| Forward P/E | 3.72 | 9.00 |
| P/S ratio | 0.44 | 2.42 |
| P/B ratio | 0.62 | 1.14 |
Profitability
| Metric | CPSS | LARK |
|---|---|---|
| Operating margin | 60.76% | 24.02% |
| Net margin | 4.79% | 25.55% |
| ROE | 6.77% | 12.06% |
Consumer Portfolio Services, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Landmark Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CPSS | LARK |
|---|---|---|
| Dividend yield | N/A | 2.66% |
| Payout ratio | N/A | 25.00% |
Growth (annualized)
| Metric | CPSS | LARK |
|---|---|---|
| Revenue CAGR (5Y) | 11.42% | 3.03% |
| EPS CAGR (5Y) | -1.73% | -1.72% |
| Total return CAGR (5Y) | 8.69% | 10.28% |
Frequently asked
- Which has the lower trailing P/E, CPSS or LARK?
- LARK has the lower trailing P/E: CPSS trades at 10.02 and LARK at 9.41. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CPSS or LARK?
- Over the past five years, CPSS grew revenue faster — CPSS at a 11.42% CAGR versus LARK at 3.03%.
- Does CPSS or LARK pay a bigger dividend?
- LARK pays a dividend (2.66% yield), while CPSS has no payments in the available dividend history.
- Is CPSS or LARK more profitable?
- LARK runs the higher net margin — CPSS at 4.79% versus LARK at 25.55%.
- How have CPSS and LARK total returns compared?
- Over the past 10 years, CPSS delivered 7.37% and LARK delivered 9.84% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Consumer Portfolio Services & Landmark Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.