LINKBANCORP (LNKB) AI Stock Analysis

• Market Cap: $308.73M
• Dividend Yield: 3.61%
• Average Volume (3M): 136.35K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 0.62
• Revenue Growth: 15.66%
• EPS Growth: N/A
• Country: US
• Employees: 298
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.10
• Shares Outstanding: 37,467,594
• 10 Day Avg. Volume: 161,318
• 30 Day Avg. Volume: 136,351
• PEG Ratio: 0.34
• Price to Book (P/B): 1.00
• Price to Sales (P/S): 1.75
• P/FCF Ratio: 12.93
• Enterprise Value/Market Cap: 1.37
• Enterprise Value/Revenue: 2.42
• Enterprise Value/Gross Profit: 3.96
• Enterprise Value/Ebitda: 9.58
• 1Y Price Target: $9.00
• Price Target Upside: 8.17% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 0.98
• Revenue Forecast (FY): $127.50M

• Rating: 64 Neutral
• Price Target: $9.00 ▲(8.17% Upside)
• Action: Reiterated Date: 03/26/26
• Date: Action: Reiterated 03/26/26

The score is driven primarily by improving financial performance (earnings rebound, better profitability, manageable leverage) and supportive valuation (low P/E and solid yield). These positives are tempered by mixed cash-flow quality and weak technical momentum (below key moving averages with negative MACD), while the approved merger adds upside potential but still carries execution and regulatory risk.

Positive Factors

Strategic merger and scale

The announced all-stock merger materially increases scale and regional footprint, which should lower unit costs, broaden deposit and loan diversification, and enhance competitive positioning. Over months this can enable stronger pricing, cross-sell and efficiency gains that support durable earnings.

Negative Factors

Credit loss from single relationship

A large impairment from one commercial borrower highlights concentration and underwriting risk. Such single-counterparty losses can recur and force higher provisioning, tighter underwriting, and slower loan growth, weighing on durable earnings and capital planning over the medium term.

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...

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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 its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between (1) interest and fees collected on interest-earning assets—primarily l...

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LINKBANCORP primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between (1) interest and fees collected on interest-earning assets—primarily l...

LINKBANCORP Financial Statement Overview

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

• Technical Analysis Sentiment: Positive
• Last Price: 8.32
• 50DMA: Negative
• 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 Positive. The current price of 8.32 is below the 20-day moving average (MA) of 8.50, below the 50-day MA of 8.70, and above the 200-day MA of 7.60, indicating a neutral trend. The MACD of -0.14 indicates Positive momentum. The RSI at 43.57 is Neutral, neither overbought nor oversold. The STOCH value of 43.95 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	$309.38M	8.59	11.73%	2.91%	8.17%	21.95%
PKBK	74 Outperform	$336.45M	6.62	12.02%	2.84%	12.91%	21.72%
COSO	72 Outperform	$316.70M	10.76	10.81%	―	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LNKB	64 Neutral	$308.73M	9.19	11.13%	3.61%	15.66%	―
FRST	62 Neutral	$327.26M	5.58	15.78%	3.06%	9.90%	―
ISBA	57 Neutral	$331.39M	19.67	8.45%	2.13%	7.29%	33.75%

LINKBANCORP Corporate Events