LINKBANCORP (LNKB) AI Stock Analysis

• Market Cap: $262.15M
• Dividend Yield: 4.3%
• Average Volume (3M): 86.19K
• Price to Earnings (P/E): 7.0
• Beta (1Y): 0.65
• 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: 37,449,320
• 10 Day Avg. Volume: 143,216
• 30 Day Avg. Volume: 86,187
• 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: 1.43
• Enterprise Value/Revenue: 2.20
• Enterprise Value/Gross Profit: 3.38
• Enterprise Value/Ebitda: 6.97
• 1Y Price Target: $8.00
• Price Target Upside: 14.78% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 74 Outperform
• Price Target: $8.00 ▲(14.78% Upside)

LINKBANCORP's overall stock score is driven by strong financial performance and attractive valuation metrics. The company's robust revenue and profit growth, along with a low P/E ratio and high dividend yield, are significant positives. However, mixed technical indicators and concerns over cash flow growth slightly temper the outlook.

LINKBANCORP Business Overview & Revenue Model

Company Description

LINKBANCORP (LNKB) is a financial holding company based in the United States, primarily engaged in providing a range of banking and financial services through its subsidiary, LINKBANK. The company operates in the commercial banking sector, offering services such as personal and business banking, loans, mortgages, and treasury management. LINKBANCORP aims to serve both individual and corporate clients, focusing on tailored financial solutions to meet their diverse needs.

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, the decline in free cash flow growth is a concern, necessitating attention to cash flow management.

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	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	53.80M	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: Negative
• Last Price: 6.97
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 6.97 is below the 20-day moving average (MA) of 7.03, below the 50-day MA of 7.15, and below the 200-day MA of 6.98, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 45.85 is Neutral, neither overbought nor oversold. The STOCH value of 27.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LNKB.

LINKBANCORP Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LNKB	―	$262.15M	6.96	13.09%	4.30%	15.66%	―
TSBK	―	$246.79M	9.24	10.87%	3.26%	9.16%	12.12%
ISBA	―	$264.07M	16.41	8.27%	3.19%	7.29%	33.63%
PKBK	―	$256.02M	7.62	11.15%	3.33%	12.91%	21.72%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	―	$263.44M	30.91	2.25%	3.74%	9.78%	―

LINKBANCORP Corporate Events

Linkbancorp Reports Strong Q2 2025 Earnings

Linkbancorp, Inc. is a community-focused financial institution operating through its subsidiary, LINKBANK, providing banking services across Pennsylvania, Maryland, Delaware, and Virginia. The company is listed on NASDAQ under the symbol LNKB.

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.

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.