Is HBANZ or LARK more undervalued in 2026?

CirclFi compares Huntington Bancshares Incorpora (HBANZ) and Landmark Bancorp Inc. (LARK) using 13 institutional-grade valuation models. HBANZ has a Quality of Company score of 8.3/10 while LARK scores 9.0/10.

Which is a better buy — HBANZ or LARK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do HBANZ and LARK valuations compare?

HBANZ at $20.43 and LARK at $28.42 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HBANZ vs LARK Valuation Comparison 2026 — Intrinsic Value Analysis

HBANZ

National Commercial Banks

Huntington Bancshares Incorpora

Quality

8.3

out of 10

Value Trap

SAFE

Price

$20.43

Last close

Models

12/13

Active

LARK

National Commercial Banks

Landmark Bancorp Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$28.42

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	HBANZ Fair Value	HBANZ Upside	LARK Fair Value	LARK Upside
Bayesian DCF	Intrinsic	$8.04	-60.7%	$18.70	-34.2%
Earnings Power Value	Intrinsic	$11.88	-41.9%	$24.52	-13.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for HBANZ vs LARK — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

HBANZ vs LARK — Which Stock Is More Undervalued?

LARK scores higher with a 9.0/10 quality rating vs HBANZ's 8.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Huntington Bancshares Incorpora (HBANZ) and Landmark Bancorp Inc. (LARK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

HBANZ currently trades at $20.43 with a QOC of 8.3/10, while LARK trades at $28.42 with a QOC of 9.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).