LINKBANCORP (LNKB) AI Stock Analysis

• Market Cap: $274.13M
• Dividend Yield: 4.26%
• Average Volume (3M): 48.87K
• Price to Earnings (P/E): 7.3
• Beta (1Y): 0.62
• Revenue Growth: 39.91%
• EPS Growth: N/A
• Country: US
• Employees: 298
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.20
• Shares Outstanding: 37,449,320
• 10 Day Avg. Volume: 77,776
• 30 Day Avg. Volume: 48,868
• PEG Ratio: -0.05
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 1.65
• P/FCF Ratio: 12.27
• Enterprise Value/Market Cap: 1.37
• Enterprise Value/Revenue: 2.20
• Enterprise Value/Gross Profit: 3.38
• Enterprise Value/Ebitda: 7.17
• 1Y Price Target: $8.00
• Price Target Upside: 13.48% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 77 Outperform
• Price Target: $8.00 ▲(13.48% Upside)

LINKBANCORP's overall stock score reflects strong financial performance and attractive valuation. The company's robust revenue growth and profitability, combined with a low P/E ratio and high dividend yield, are significant strengths. However, mixed technical indicators suggest caution in the short term. The absence of earnings call and corporate events data limits further insights.

LINKBANCORP Business Overview & Revenue Model

Company Description

LINKBANCORP, Inc. operates as a bank holding company for The Gratz Bank, a full-service state chartered commercial bank in Pennsylvania. The company's deposit products include checking accounts, saving accounts, money market accounts, and certificates of deposits. The company's loan portfolio comprises small business, real estate, agricultural, home equity, consumer lending, commercial, municipal, term, lines of credit, auto, and home mortgage and construction loans. It also provides debit cards, mobile banking, card valet app, e-statements, ATMs, online banking and bill pay, and other services. The company operates through a main office located in Gratz, Pennsylvania, as well as bank offices located in Camp Hill, Gratz, Valley View, Harrisburg, Herndon, Lancaster, Pottsville, Trevorton, West Chester, and Minersville. Pennsylvania. LINKBANCORP, Inc. was incorporated in 2018 and is based in Camp Hill, Pennsylvania.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	170.34M	167.59M	66.28M	43.22M	20.64M	16.05M
Gross Profit	110.89M	108.50M	30.50M	34.65M	17.60M	13.14M
EBITDA	52.33M	40.27M	-13.54M	7.93M	580.00K	5.15M
Net Income	37.41M	26.21M	-11.97M	5.60M	289.00K	4.19M
Balance Sheet
Total Assets	2.89B	2.88B	2.67B	1.16B	932.76M	429.54M
Cash, Cash Equivalents and Short-Term Investments	184.89M	166.75M	195.68M	114.45M	139.20M	175.66M
Total Debt	118.02M	128.22M	88.39M	81.86M	25.38M	1.49M
Total Liabilities	2.59B	2.60B	2.40B	1.03B	823.14M	378.87M
Stockholders Equity	298.00M	280.22M	265.31M	138.55M	109.62M	50.67M
Cash Flow
Free Cash Flow	25.78M	22.56M	-1.38M	-2.25M	4.51M	3.02M
Operating Cash Flow	28.66M	25.44M	-10.00K	2.34M	4.77M	3.13M
Investing Cash Flow	-129.43M	-122.02M	58.58M	-222.59M	-5.04M	-38.82M
Financing Cash Flow	74.19M	182.49M	-8.39M	227.67M	-10.30M	41.15M

LINKBANCORP Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 7.05
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LNKB, the sentiment is Positive. The current price of 7.05 is below the 20-day moving average (MA) of 7.26, below the 50-day MA of 7.15, and above the 200-day MA of 7.01, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 54.72 is Neutral, neither overbought nor oversold. The STOCH value of 48.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LNKB.

LINKBANCORP Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TSBK	80 Outperform	$270.09M	10.07	10.55%	2.98%	9.16%	12.12%
LNKB	77 Outperform	$274.13M	7.28	13.14%	4.26%	39.91%	―
CBAN	74 Outperform	$308.19M	11.18	9.41%	2.59%	7.07%	24.85%
OBT	70 Outperform	$342.76M	10.03	11.70%	2.01%	6.60%	-16.86%
PLBC	64 Neutral	$298.59M	8.86	15.06%	2.72%	6.48%	1.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

LINKBANCORP Corporate Events

LINKBANCORP Reports Q2 Earnings with Net Income Drop

On July 28, 2025, LINKBANCORP, Inc. announced its second quarter earnings for 2025, reporting a net income of $7.4 million, a decrease from the $15.3 million reported in the first quarter. Despite the decline, the company showed strong core earnings, robust balance sheet growth, and improved credit quality. The Board of Directors declared a quarterly cash dividend of $0.075 per share, payable on September 15, 2025. The company’s total loans and deposits increased, reflecting a positive trend in its financial health, while noninterest income saw a decrease due to the absence of a significant gain from a previous branch sale.