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Side-by-side financial comparison of Expensify, Inc. (EXFY) and LANDMARK BANCORP INC (LARK). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $18.8M, roughly 1.9× LANDMARK BANCORP INC). On growth, LANDMARK BANCORP INC posted the faster year-over-year revenue change (14.0% vs -4.9%). Over the past eight quarters, LANDMARK BANCORP INC's revenue compounded faster (13.1% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
Landmark Bancorp Inc is a U.S.-based bank holding company operating Landmark National Bank, primarily serving communities across Kansas. It provides a full range of personal and commercial banking services including deposit accounts, residential mortgages, commercial loans, and wealth management solutions, catering to individual consumers, small businesses and local mid-sized enterprises.
EXFY vs LARK — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $18.8M |
| Net Profit | — | $5.1M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | — |
| Net Margin | — | 27.0% |
| Revenue YoY | -4.9% | 14.0% |
| Net Profit YoY | — | 7.8% |
| EPS (diluted) | $-0.07 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $18.8M | ||
| Q4 25 | $35.2M | $18.7M | ||
| Q3 25 | $35.1M | $18.2M | ||
| Q2 25 | $35.8M | $17.3M | ||
| Q1 25 | $36.1M | $16.5M | ||
| Q4 24 | $37.0M | $15.8M | ||
| Q3 24 | $35.4M | $15.9M | ||
| Q2 24 | $33.3M | $14.7M |
| Q1 26 | — | $5.1M | ||
| Q4 25 | — | $4.7M | ||
| Q3 25 | $-2.3M | $4.9M | ||
| Q2 25 | $-8.8M | $4.4M | ||
| Q1 25 | $-3.2M | $4.7M | ||
| Q4 24 | — | $3.3M | ||
| Q3 24 | $-2.2M | $3.9M | ||
| Q2 24 | $-2.8M | $3.0M |
| Q1 26 | — | — | ||
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | -11.2% | 31.7% | ||
| Q3 25 | -6.4% | 33.4% | ||
| Q2 25 | -28.9% | 30.9% | ||
| Q1 25 | -4.1% | 34.7% | ||
| Q4 24 | 1.3% | 15.2% | ||
| Q3 24 | 0.8% | 30.3% | ||
| Q2 24 | 0.7% | 24.5% |
| Q1 26 | — | 27.0% | ||
| Q4 25 | — | 32.1% | ||
| Q3 25 | -6.6% | 27.1% | ||
| Q2 25 | -24.6% | 25.4% | ||
| Q1 25 | -8.8% | 28.5% | ||
| Q4 24 | — | 26.5% | ||
| Q3 24 | -6.2% | 24.8% | ||
| Q2 24 | -8.3% | 20.5% |
| Q1 26 | — | — | ||
| Q4 25 | $-0.07 | $0.66 | ||
| Q3 25 | $-0.03 | $0.85 | ||
| Q2 25 | $-0.10 | $0.75 | ||
| Q1 25 | $-0.03 | $0.81 | ||
| Q4 24 | $-0.03 | $0.47 | ||
| Q3 24 | $-0.02 | $0.68 | ||
| Q2 24 | $-0.03 | $0.52 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $63.1M | $31.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | — |
| Total Assets | $186.0M | $1.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $31.9M | ||
| Q4 25 | $63.1M | — | ||
| Q3 25 | $61.5M | — | ||
| Q2 25 | $60.5M | — | ||
| Q1 25 | $59.6M | — | ||
| Q4 24 | $48.8M | — | ||
| Q3 24 | $39.2M | — | ||
| Q2 24 | $53.2M | — |
| Q1 26 | — | — | ||
| Q4 25 | $132.7M | $160.6M | ||
| Q3 25 | $135.7M | $155.7M | ||
| Q2 25 | $131.8M | $148.4M | ||
| Q1 25 | $134.7M | $142.7M | ||
| Q4 24 | $128.2M | $136.2M | ||
| Q3 24 | $119.9M | $139.7M | ||
| Q2 24 | $114.0M | $128.3M |
| Q1 26 | — | $1.6B | ||
| Q4 25 | $186.0M | $1.6B | ||
| Q3 25 | $186.8M | $1.6B | ||
| Q2 25 | $187.1M | $1.6B | ||
| Q1 25 | $189.2M | $1.6B | ||
| Q4 24 | $173.7M | $1.6B | ||
| Q3 24 | $176.2M | $1.6B | ||
| Q2 24 | $192.9M | $1.6B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.2M | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $21.6M | ||
| Q3 25 | $4.2M | $10.3M | ||
| Q2 25 | $8.9M | $439.0K | ||
| Q1 25 | $4.8M | $8.0M | ||
| Q4 24 | $7.4M | $14.2M | ||
| Q3 24 | $3.7M | $8.1M | ||
| Q2 24 | $9.3M | $4.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | $21.0M | ||
| Q3 25 | — | $10.1M | ||
| Q2 25 | — | $354.0K | ||
| Q1 25 | — | $8.0M | ||
| Q4 24 | — | $11.9M | ||
| Q3 24 | — | $7.8M | ||
| Q2 24 | — | $3.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 112.5% | ||
| Q3 25 | — | 55.4% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 48.4% | ||
| Q4 24 | — | 75.6% | ||
| Q3 24 | — | 49.3% | ||
| Q2 24 | — | 25.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.2% | ||
| Q3 25 | 0.0% | 1.4% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | 0.0% | 14.7% | ||
| Q3 24 | 0.0% | 1.8% | ||
| Q2 24 | 0.0% | 4.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.56× | ||
| Q3 25 | — | 2.09× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 1.71× | ||
| Q4 24 | — | 4.34× | ||
| Q3 24 | — | 2.06× | ||
| Q2 24 | — | 1.45× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
