LINKBANCORP (LNKB)
NASDAQ:LNKB
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LINKBANCORP
(NASDAQ:LNKB)
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Rating:68Neutral
Price Target:
$9.50
▲(6.26% Upside)
Action:ReiteratedDate:05/02/26
The score is driven primarily by improving profitability after the 2023 loss, tempered by mixed cash-flow conversion and a 2025 free-cash-flow decline. Valuation is supportive with a low P/E and ~3.45% dividend yield, while technicals are neutral-to-slightly positive and the completed merger provides an additional positive backdrop.
Positive Factors
Improving Profitability
Margin expansion to net margin ~19.1% and operating margin ~24.3% reflects stronger core lending profitability and tighter expense control after the 2023 loss. Sustained higher margins improve earnings resilience, support retained earnings, and increase capacity to fund loan growth and capital needs over the medium term.
Negative Factors
Weak Cash Flow Quality
A sharp ~29.6% fall in free cash flow in 2025 and mixed cash-to-earnings conversion signal inconsistent cash generation. Weaker cash quality constrains internal funding for loans, technology and dividends, raises reliance on external funding, and complicates medium-term capital planning.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Margin expansion to net margin ~19.1% and operating margin ~24.3% reflects stronger core lending profitability and tighter expense control after the 2023 loss. Sustained higher margins improve earnings resilience, support retained earnings, and increase capacity to fund loan growth and capital needs over the medium term.
Read all positive factors
LINKBANCORP (LNKB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$325.59M
Dividend Yield3.61%
Average Volume (3M)136.35K
Price to Earnings (P/E)26.2
Beta (1Y)0.63
Revenue Growth4.67%
EPS Growth27.33%
CountryUS
Employees298
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.90
Shares Outstanding37,467,594
10 Day Avg. Volume161,318
30 Day Avg. Volume136,351
Financial Highlights & Ratios
PEG Ratio0.34
Price to Book (P/B)1.00
Price to Sales (P/S)1.75
P/FCF Ratio12.93
Enterprise Value/Market Cap1.35
Enterprise Value/Revenue2.51
Enterprise Value/Gross Profit4.12
Enterprise Value/Ebitda9.96
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)0.96
Revenue Forecast (FY)$126.56M
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 certific...
How the Company Makes Money
LINKBANCORP primarily makes money through traditional banking activities conducted by its subsidiary bank. The largest driver is typically net interest income: the bank earns interest and fees on loans (such as commercial real estate, commercial a...
LINKBANCORP Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
68
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 175.41M | 167.59M | 66.28M | 43.22M | 20.64M |
| Gross Profit | 106.94M | 108.50M | 30.50M | 34.65M | 17.60M |
| EBITDA | 44.25M | 40.27M | -13.54M | 7.93M | 580.00K |
| Net Income | 33.51M | 26.21M | -11.97M | 5.60M | 289.00K |
Balance Sheet | |||||
| Total Assets | 3.07B | 2.88B | 2.67B | 1.16B | 932.76M |
| Cash, Cash Equivalents and Short-Term Investments | 278.10M | 166.75M | 195.68M | 114.45M | 139.20M |
| Total Debt | 130.56M | 128.22M | 88.39M | 81.86M | 25.38M |
| Total Liabilities | 2.76B | 2.60B | 2.40B | 1.03B | 823.14M |
| Stockholders Equity | 306.43M | 280.22M | 265.31M | 138.55M | 109.62M |
Cash Flow | |||||
| Free Cash Flow | 23.80M | 22.56M | -1.38M | -2.25M | 4.51M |
| Operating Cash Flow | 25.27M | 25.44M | -10.00K | 2.34M | 4.77M |
| Investing Cash Flow | -380.10M | -122.02M | 58.58M | -222.59M | -5.04M |
| Financing Cash Flow | 241.03M | 182.49M | -8.39M | 227.67M | -10.30M |
LINKBANCORP Technical Analysis
Positive
8.94
Price Trends
8.68
Positive
8.45
Positive
7.75
Positive
Market Momentum
0.10
Negative
62.42
Neutral
82.23
Negative
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 8.94 is above the 20-day moving average (MA) of 8.52, above the 50-day MA of 8.68, and above the 200-day MA of 7.75, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 62.42 is Neutral, neither overbought nor oversold. The STOCH value of 82.23 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LNKB.
LINKBANCORP Risk Analysis
LINKBANCORP disclosed 50 risk factors in its most recent earnings report. LINKBANCORP reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
LINKBANCORP Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $317.42M | 10.89 | 11.67% | 2.91% | 6.74% | 20.50% | |
76 Outperform | $355.21M | 7.02 | 13.00% | 2.84% | 11.79% | 45.64% | |
76 Outperform | $334.38M | 12.08 | 10.66% | ― | 4.33% | -5.02% | |
68 Neutral | $325.59M | 26.16 | 11.13% | 3.61% | 4.67% | 27.33% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $358.95M | 11.20 | 11.47% | 3.06% | 9.62% | 1059.18% | |
57 Neutral | $296.47M | 16.79 | 8.45% | 2.13% | 8.94% | 37.35% |
* Financial Sector Average
LNKB
LINKBANCORP
8.69
2.15
32.96%
PKBK
Parke Bancorp
30.28
11.56
61.77%
FRST
Primis Financial
14.49
5.89
68.45%
TSBK
Timberland Bancorp
40.26
10.47
35.16%
COSO
CoastalSouth Bancshares
25.53
5.78
29.23%
ISBA
Isabella Bank
40.43
14.67
56.97%
LINKBANCORP Corporate Events
Executive/Board ChangesM&A Transactions
LINKBANCORP Completes Merger with Burke & Herbert Financial
Positive
May 1, 2026
On May 1, 2026, LINKBANCORP, Inc. completed its previously announced merger with Virginia-based Burke Herbert Financial Services Corp., with LINKBANCORP merging into Burke Herbert and LINKBANK combining with Burke Herbert Bank Trust Company, w...
Business Operations and StrategyM&A TransactionsShareholder Meetings
LINKBANCORP Shareholders Approve Merger With Burke & Herbert
Positive
Mar 25, 2026
On March 25, 2026, shareholders of LINKBANCORP and Burke Herbert Financial Services Corp. each approved the planned merger of LINKBANCORP with and into Burke Herbert, with Burke Herbert to remain as the surviving corporation under a merger agre...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.