LINKBANCORP (LNKB) AI Stock Analysis

• Market Cap: $273.29M
• Dividend Yield: 4.09%
• Average Volume (3M): 64.15K
• Price to Earnings (P/E): 7.6
• Beta (1Y): 0.49
• Revenue Growth: 77.09%
• EPS Growth: N/A
• Country: US
• Employees: 298
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.20
• Shares Outstanding: 37,385,136
• 10 Day Avg. Volume: 49,076
• 30 Day Avg. Volume: 64,149
• PEG Ratio: 0.20
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.57
• Enterprise Value/Market Cap: 0.63
• Enterprise Value/Revenue: 0.28
• Enterprise Value/Gross Profit: 1.57
• Enterprise Value/Ebitda: 1.57
• 1Y Price Target: $8.00
• Price Target Upside: 9.44% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 77 Outperform
• Price Target: $8.00 ▲(9.44%Upside)

LINKBANCORP's overall stock score is bolstered by its strong financial performance and attractive valuation. The technical analysis supports a stable upward trend, while corporate events highlight strong financial health. The absence of earnings call data does not detract from the positive combined outlook of the remaining components.

LINKBANCORP Business Overview & Revenue Model

Company Description

LINKBANCORP (LNKB) is a financial holding company that operates primarily in the banking sector. The company provides a range of financial services and products designed to meet the needs of both individual and business clients. LINKBANCORP focuses on delivering personalized banking solutions, including personal and business banking, loans, mortgages, and other financial services through its network of branches and digital platforms.

How the Company Makes Money

LINKBANCORP makes money primarily through the interest income generated from its lending activities, such as personal loans, business loans, and mortgages. The company also earns revenue from fees associated with various banking services, including account maintenance fees, transaction fees, and charges for specialized services. Additionally, LINKBANCORP may earn money from investment activities and partnerships that enhance its service offerings or expand its customer base. The combination of interest income, service fees, and strategic partnerships forms the core of LINKBANCORP's revenue model.

LINKBANCORP Financial Statement Overview

Summary

LINKBANCORP presents a compelling financial profile with consistent revenue growth, improved profitability, and strong cash flow generation. The balance sheet is robust, with low leverage and a solid equity foundation, which bodes well for future growth and stability. While past challenges in EBIT indicate potential risks, the overall trajectory remains positive.

Income Statement

LINKBANCORP has shown a positive revenue growth trajectory with substantial improvements from 2020 to TTM (Trailing-Twelve-Months). The gross profit margin and net profit margin have improved significantly, indicating enhanced profitability. Despite past EBIT losses in 2023, the company has recovered well, showcasing resilience. The EBITDA margin is robust, reflecting efficient operational management.

Balance Sheet

The company's balance sheet is solid with a strong equity base, as indicated by the equity ratio stability over the years. The debt-to-equity ratio is low, demonstrating prudent financial leverage. Return on equity has improved markedly, reflecting better utilization of shareholder funds. Overall, there is a strong asset base supporting financial stability.

Cash Flow

LINKBANCORP's cash flow position is strong, with positive free cash flow growth. The operating cash flow to net income ratio is healthy, indicating effective cash generation relative to profits. The free cash flow to net income ratio further reinforces the company's ability to generate cash flows that support ongoing operations and growth.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	167.59M	66.28M	43.22M	20.64M	16.05M
Gross Profit	108.50M	30.50M	34.65M	17.60M	13.14M
EBITDA	40.27M	-13.54M	7.93M	580.00K	5.15M
Net Income	26.21M	-11.97M	5.60M	289.00K	4.19M
Balance Sheet
Total Assets	2.88B	2.67B	1.16B	932.76M	429.54M
Cash, Cash Equivalents and Short-Term Investments	166.75M	195.68M	114.45M	139.20M	175.66M
Total Debt	128.22M	88.39M	81.86M	25.38M	1.49M
Total Liabilities	2.60B	2.40B	1.03B	823.14M	378.87M
Stockholders Equity	280.22M	265.31M	138.55M	109.62M	50.67M
Cash Flow
Free Cash Flow	22.56M	-1.38M	-2.25M	4.51M	3.02M
Operating Cash Flow	25.44M	-10.00K	2.34M	4.77M	3.13M
Investing Cash Flow	-122.02M	58.58M	-222.59M	-5.04M	-38.82M
Financing Cash Flow	182.49M	-8.39M	227.67M	-10.30M	41.15M

LINKBANCORP Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 7.31
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LNKB, the sentiment is Neutral. The current price of 7.31 is below the 20-day moving average (MA) of 7.45, above the 50-day MA of 7.13, and above the 200-day MA of 6.99, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 50.78 is Neutral, neither overbought nor oversold. The STOCH value of 42.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for LNKB.

LINKBANCORP Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBAN	80 Outperform	$292.30M	11.27	9.90%	2.72%	7.07%	24.85%
PLBC	79 Outperform	$292.15M	8.69	16.24%	2.71%	6.48%	1.42%
OBT	79 Outperform	$353.68M	11.18	14.76%	1.89%	6.08%	-23.52%
TSBK	77 Outperform	$262.40M	9.78	10.87%	3.04%	9.14%	12.12%
LNKB	77 Outperform	$273.29M	7.58	12.74%	4.09%	77.09%	―
Sector *	68 Neutral	$17.10B	11.19	9.70%	3.58%	11.11%	-4.55%

LINKBANCORP Corporate Events

LINKBANCORP Holds Annual Shareholder Meeting on May 22

On May 22, 2025, LINKBANCORP, Inc. held its annual shareholder meeting where shareholders elected eleven directors to the board for a one-year term, ratified S.R. Snodgrass, P.C. as the independent registered public accounting firm for 2025, and approved the 2025 Equity Incentive Plan. These decisions are likely to influence the company’s governance and financial strategies, potentially impacting its market position and stakeholder interests.

The most recent analyst rating on (LNKB) stock is a Hold with a $7.50 price target. To see the full list of analyst forecasts on LINKBANCORP stock, see the LNKB Stock Forecast page.

LINKBANCORP Declares Dividend Amid Record Q1 Earnings

On April 24, 2025, LINKBANCORP‘s Board of Directors declared a quarterly cash dividend of $0.075 per share, payable on June 16, 2025. The company reported record net income of $15.3 million for the first quarter of 2025, driven by the successful sale of its New Jersey operations, which resulted in an after-tax gain of $8.7 million. This transaction, along with strong core deposit growth and improved liquidity, positions LINKBANCORP well for future growth and shareholder value creation.