LINKBANCORP INC (LNKB) Stock Fundamental Analysis
NASDAQ:LNKB - Nasdaq - US53578P1057 - Common Stock - Currency: USD
Taking everything into account, LNKB scores 5 out of 10 in our fundamental rating. LNKB was compared to 396 industry peers in the Banks industry. LNKB has a medium profitability rating, but doesn't score so well on its financial health evaluation. LNKB is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year LNKB was profitable.
LNKB had a positive operating cash flow in the past year.
Of the past 5 years LNKB 4 years were profitable.
Of the past 5 years LNKB 4 years had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 1.25%, LNKB belongs to the best of the industry, outperforming 81.06% of the companies in the same industry.
LNKB has a Return On Equity of 12.18%. This is amongst the best in the industry. LNKB outperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 12.18% | ||
| ROIC | N/A |
ROA(3y)0.31%
ROA(5y)0.39%
ROE(3y)2.96%
ROE(5y)3.48%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 29.55%, LNKB belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
LNKB's Profit Margin has improved in the last couple of years.
LNKB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y147.53%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LNKB does not have a ROIC to compare to the WACC, probably because it is not profitable.
LNKB has about the same amout of shares outstanding than it did 1 year ago.
LNKB has a better debt/assets ratio than last year.
2.2 Solvency
LNKB has a debt to FCF ratio of 2.41. This is a good value and a sign of high solvency as LNKB would need 2.41 years to pay back of all of its debts.
LNKB has a Debt to FCF ratio (2.41) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.21 indicates that LNKB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.21, LNKB is not doing good in the industry: 60.10% of the companies in the same industry are doing better.
Although LNKB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 388.46% over the past year.
Measured over the past years, LNKB shows a very strong growth in Earnings Per Share. The EPS has been growing by 186.61% on average per year.
LNKB shows a strong growth in Revenue. In the last year, the Revenue has grown by 100.99%.
The Revenue has been growing by 81.30% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)388.46%
EPS 3Y186.61%
EPS 5YN/A
EPS Q2Q%33.33%
Revenue 1Y (TTM)100.99%
Revenue growth 3Y81.3%
Revenue growth 5YN/A
Sales Q2Q%46.88%
3.2 Future
The Earnings Per Share is expected to grow by 16.10% on average over the next years. This is quite good.
LNKB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.21% yearly.
EPS Next Y22.87%
EPS Next 2Y16.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.67%
Revenue Next 2Y6.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.52, the valuation of LNKB can be described as reasonable.
Based on the Price/Earnings ratio, LNKB is valued cheaper than 83.33% of the companies in the same industry.
When comparing the Price/Earnings ratio of LNKB to the average of the S&P500 Index (26.55), we can say LNKB is valued rather cheaply.
The Price/Forward Earnings ratio is 7.57, which indicates a rather cheap valuation of LNKB.
83.08% of the companies in the same industry are more expensive than LNKB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.40, LNKB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.52 | ||
| Fwd PE | 7.57 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as LNKB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
LNKB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as LNKB's earnings are expected to grow with 16.10% in the coming years.
PEG (NY)0.42
PEG (5Y)N/A
EPS Next 2Y16.1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.39%, LNKB is a good candidate for dividend investing.
LNKB's Dividend Yield is a higher than the industry average which is at 3.51.
LNKB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
5.2 History
LNKB has been paying a dividend for over 5 years, so it has already some track record.
LNKB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
LNKB pays out 30.82% of its income as dividend. This is a sustainable payout ratio.
DP30.82%
EPS Next 2Y16.1%
EPS Next 3YN/A
7.14
+0.02 (+0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners34.41%
Inst Owner Change1.13%
Ins Owners33.09%
Ins Owner Change-0.01%
Market Cap266.96M
Analysts78
Price Target8.41 (17.79%)
Short Float %1.05%
Short Ratio6.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP30.82%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.63%
Min EPS beat(2)-18.3%
Max EPS beat(2)5.04%
EPS beat(4)2
Avg EPS beat(4)-5.58%
Min EPS beat(4)-18.3%
Max EPS beat(4)5.04%
EPS beat(8)3
Avg EPS beat(8)-6.25%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)3.81%
Min Revenue beat(2)-10.36%
Max Revenue beat(2)17.98%
Revenue beat(4)1
Avg Revenue beat(4)-2%
Min Revenue beat(4)-10.36%
Max Revenue beat(4)17.98%
Revenue beat(8)1
Avg Revenue beat(8)-9.09%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.5%
EPS NY rev (1m)-4.18%
EPS NY rev (3m)0.07%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.52 | ||
| Fwd PE | 7.57 | ||
| P/S | 2.2 | ||
| P/FCF | 10.27 | ||
| P/OCF | 9.27 | ||
| P/B | 0.91 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY10.5%
EPS(NY)0.94
Fwd EY13.21%
FCF(TTM)0.7
FCFY9.74%
OCF(TTM)0.77
OCFY10.78%
SpS3.24
BVpS7.86
TBVpS5.8
PEG (NY)0.42
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 12.18% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.55% | ||
| GM | N/A | ||
| FCFM | 21.45% |
ROA(3y)0.31%
ROA(5y)0.39%
ROE(3y)2.96%
ROE(5y)3.48%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y147.53%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 43.15% | ||
| Cap/Sales | 2.3% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 72.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC19.42%
ROIC/WACCN/A
Cap/Depr(3y)178.21%
Cap/Depr(5y)124.64%
Cap/Sales(3y)6.3%
Cap/Sales(5y)4.23%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)388.46%
EPS 3Y186.61%
EPS 5YN/A
EPS Q2Q%33.33%
EPS Next Y22.87%
EPS Next 2Y16.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)100.99%
Revenue growth 3Y81.3%
Revenue growth 5YN/A
Sales Q2Q%46.88%
Revenue Next Year15.67%
Revenue Next 2Y6.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y86773.3%
FCF growth 3Y71.02%
FCF growth 5YN/A
OCF growth 1Y552.88%
OCF growth 3Y74.72%
OCF growth 5YN/A