LINKBANCORP (LNKB) AI Stock Analysis

• Market Cap: $316.52M
• Dividend Yield: 3.61%
• Average Volume (3M): 136.35K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 0.55
• Revenue Growth: 15.66%
• EPS Growth: N/A
• Country: US
• Employees: 298
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.21
• Shares Outstanding: 37,457,912
• 10 Day Avg. Volume: 161,318
• 30 Day Avg. Volume: 136,351
• 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: 1.17
• Enterprise Value/Revenue: 2.14
• Enterprise Value/Gross Profit: 3.31
• Enterprise Value/Ebitda: 6.77
• 1Y Price Target: $9.42
• Price Target Upside: 13.36% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $9.50 ▲(14.32% Upside)

LINKBANCORP's overall stock score is driven by strong financial performance and attractive valuation. The strategic merger with Burke & Herbert adds a positive outlook for future growth. However, technical indicators suggest caution due to potential overbought conditions.

Positive Factors

Merger with Burke & Herbert

The merger with Burke & Herbert is expected to enhance LINKBANCORP's scale and market positioning, providing long-term growth opportunities and strengthening its competitive position in the regional banking market.

Revenue Growth

Consistent revenue growth indicates effective business strategies and market demand, supporting long-term financial stability and shareholder value.

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, allowing for strategic investments and debt management, which are crucial for sustainable growth.

Negative Factors

Debt Management

Rising debt levels, if not managed properly, can strain cash flow and limit financial flexibility, potentially impacting long-term financial health.

Profit Margin Concerns

A declining gross profit margin could indicate rising costs or pricing pressures, which may affect profitability if the trend continues.

Free Cash Flow Volatility

Volatility in free cash flow can create uncertainty in financial planning and investment capacity, potentially impacting long-term strategic initiatives.

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 generates revenue through multiple streams typical of commercial banking operations. The primary source of income is net interest income, which is derived from the difference between the interest earned on loans and the interest paid on deposits. This is complemented by non-interest income from fees associated with banking services, such as transaction fees, account maintenance fees, and service charges. Additionally, LINKBANCORP earns revenue from mortgage origination and loan servicing. Key partnerships with local businesses and organizations enhance their service offerings and customer base, while strategic investments in technology and digital banking solutions help reduce costs and improve customer experience, contributing to overall profitability.

LINKBANCORP Financial Statement Overview

Summary

LINKBANCORP demonstrates strong financial performance with significant revenue and profit growth, effective cost management, and a stable balance sheet. However, cash flow metrics show some areas of concern, particularly in free cash flow growth, which needs attention.

Income Statement

LINKBANCORP's income statement shows strong revenue growth with a TTM revenue growth rate of 56.2%, indicating robust expansion. The gross profit margin is healthy at 65.1%, and the net profit margin has improved significantly to 21.96% in the TTM, reflecting enhanced profitability. EBIT and EBITDA margins have also shown improvement, suggesting effective cost management and operational efficiency.

Balance Sheet

The balance sheet is solid with a debt-to-equity ratio of 0.40, indicating moderate leverage. Return on equity has improved to 13.02% in the TTM, showcasing effective use of equity to generate profits. The equity ratio stands at 10.33%, reflecting a stable capital structure. However, the increase in total debt over the years is a point to monitor.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth by 86.5% in the TTM, which is concerning. However, the operating cash flow to net income ratio is strong at 1.82, indicating good cash generation relative to net income. The free cash flow to net income ratio is also robust at 0.90, suggesting efficient cash utilization.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	172.29M	167.59M	66.28M	43.22M	20.64M	16.05M
Gross Profit	111.50M	108.50M	30.50M	34.65M	17.60M	13.14M
EBITDA	54.52M	40.27M	-13.54M	7.93M	580.00K	5.15M
Net Income	38.15M	26.21M	-11.97M	5.60M	289.00K	4.19M
Balance Sheet
Total Assets	3.12B	2.88B	2.67B	1.16B	932.76M	429.54M
Cash, Cash Equivalents and Short-Term Investments	403.73M	166.75M	195.68M	114.45M	139.20M	175.66M
Total Debt	118.22M	128.22M	88.39M	81.86M	25.38M	1.49M
Total Liabilities	2.82B	2.60B	2.40B	1.03B	823.14M	378.87M
Stockholders Equity	305.46M	280.22M	265.31M	138.55M	109.62M	50.67M
Cash Flow
Free Cash Flow	35.90M	22.56M	-1.38M	-2.25M	4.51M	3.02M
Operating Cash Flow	38.27M	25.44M	-10.00K	2.34M	4.77M	3.13M
Investing Cash Flow	-312.10M	-122.02M	58.58M	-222.59M	-5.04M	-38.82M
Financing Cash Flow	276.75M	182.49M	-8.39M	227.67M	-10.30M	41.15M

LINKBANCORP Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8.31
• 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 8.31 is above the 20-day moving average (MA) of 8.02, above the 50-day MA of 7.47, and above the 200-day MA of 7.03, indicating a bullish trend. The MACD of 0.31 indicates Negative momentum. The RSI at 60.79 is Neutral, neither overbought nor oversold. The STOCH value of 52.68 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	82 Outperform	$286.07M	9.85	11.48%	2.91%	8.17%	21.95%
LNKB	77 Outperform	$316.52M	8.11	13.09%	3.61%	15.66%	―
ISBA	75 Outperform	$397.64M	21.40	8.27%	2.13%	7.29%	33.75%
PKBK	71 Outperform	$286.99M	8.75	11.15%	2.84%	12.91%	21.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	67 Neutral	$327.52M	37.61	2.25%	3.06%	9.90%	―

LINKBANCORP Corporate Events

LINKBANCORP to Merge with Burke & Herbert

On December 18, 2025, LINKBANCORP, Inc. and Burke & Herbert Financial Services Corp. announced they had executed an Agreement and Plan of Merger under which LINKBANCORP will merge with and into Burke & Herbert as part of a strategic business combination. As a condition to this merger, certain LINKBANCORP shareholders entered into support agreements committing to vote their shares in favor of the merger, against competing acquisition proposals, and to restrict transfers of their stock until shareholder approval or termination of the agreement, steps that solidify shareholder backing and help ensure the completion of the transaction, with implications for the companies’ future scale and positioning in the regional banking market.

LINKBANCORP Reports Strong Q3 2025 Financial Results

LINKBANCORP, Inc. reported strong financial results for the third quarter of 2025, with net income rising to $7.8 million, up from $7.4 million in the previous quarter. The company declared a quarterly cash dividend of $0.075 per share, payable on December 15, 2025. The quarter saw significant growth in deposits and loans, with total deposits increasing by 8.62% from the prior quarter and total loans growing by 16.90% annualized. The company’s disciplined expense management and robust growth in core deposits and quality loans position it well for future performance.