Logo image of LNKB

LINKBANCORP INC (LNKB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:LNKB - US53578P1057 - Common Stock

8.36 USD
-0.05 (-0.59%)
Last: 12/17/2025, 8:00:00 PM
8.36 USD
0 (0%)
After Hours: 12/17/2025, 8:00:00 PM
Fundamental Rating

5

Taking everything into account, LNKB scores 5 out of 10 in our fundamental rating. LNKB was compared to 385 industry peers in the Banks industry. LNKB has a medium profitability rating, but doesn't score so well on its financial health evaluation. LNKB has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

LNKB had positive earnings in the past year.
In the past year LNKB had a positive cash flow from operations.
LNKB had positive earnings in 4 of the past 5 years.
Of the past 5 years LNKB 4 years had a positive operating cash flow.
LNKB Yearly Net Income VS EBIT VS OCF VS FCFLNKB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.22%, LNKB is in the better half of the industry, outperforming 77.92% of the companies in the same industry.
LNKB has a better Return On Equity (12.49%) than 83.38% of its industry peers.
Industry RankSector Rank
ROA 1.22%
ROE 12.49%
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
LNKB Yearly ROA, ROE, ROICLNKB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 2 -2 4 -4 6 8

1.3 Margins

LNKB has a better Profit Margin (30.69%) than 82.08% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 30.69%
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
LNKB Yearly Profit, Operating, Gross MarginsLNKB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 20 -20

More info and screens

3

2. Health

2.1 Basic Checks

LNKB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, LNKB has about the same amount of shares outstanding.
The debt/assets ratio for LNKB has been reduced compared to a year ago.
LNKB Yearly Shares OutstandingLNKB Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 10M 20M 30M
LNKB Yearly Total Debt VS Total AssetsLNKB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of LNKB is 1.73, which is an excellent value as it means it would take LNKB, only 1.73 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.73, LNKB is in line with its industry, outperforming 51.69% of the companies in the same industry.
A Debt/Equity ratio of 0.20 indicates that LNKB is not too dependend on debt financing.
LNKB's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. LNKB outperforms 42.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.73
Altman-Z N/A
ROIC/WACCN/A
WACC18%
LNKB Yearly LT Debt VS Equity VS FCFLNKB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LNKB Yearly Current Assets VS Current LiabilitesLNKB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 10M 20M 30M

More info and screens

7

3. Growth

3.1 Past

LNKB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1257.14%, which is quite impressive.
The Earnings Per Share has been growing by 186.61% on average over the past years. This is a very strong growth
The Revenue has grown by 29.34% in the past year. This is a very strong growth!
LNKB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 81.30% yearly.
EPS 1Y (TTM)1257.14%
EPS 3Y186.61%
EPS 5YN/A
EPS Q2Q%10.53%
Revenue 1Y (TTM)29.34%
Revenue growth 3Y81.3%
Revenue growth 5YN/A
Sales Q2Q%5.53%

3.2 Future

LNKB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.13% yearly.
Based on estimates for the next years, LNKB will show a small growth in Revenue. The Revenue will grow by 7.56% on average per year.
EPS Next Y21.45%
EPS Next 2Y18.72%
EPS Next 3Y18.13%
EPS Next 5YN/A
Revenue Next Year12.95%
Revenue Next 2Y6.47%
Revenue Next 3Y7.56%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
LNKB Yearly Revenue VS EstimatesLNKB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M
LNKB Yearly EPS VS EstimatesLNKB Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1

More info and screens

7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.32, the valuation of LNKB can be described as reasonable.
LNKB's Price/Earnings ratio is rather cheap when compared to the industry. LNKB is cheaper than 81.56% of the companies in the same industry.
LNKB is valuated cheaply when we compare the Price/Earnings ratio to 26.22, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.47 indicates a reasonable valuation of LNKB.
LNKB's Price/Forward Earnings ratio is rather cheap when compared to the industry. LNKB is cheaper than 85.71% of the companies in the same industry.
LNKB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.58, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.32
Fwd PE 8.47
LNKB Price Earnings VS Forward Price EarningsLNKB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of LNKB indicates a somewhat cheap valuation: LNKB is cheaper than 77.14% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.72
EV/EBITDA N/A
LNKB Per share dataLNKB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

The 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 18.13% in the coming years.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2Y18.72%
EPS Next 3Y18.13%

More info and screens

5

5. Dividend

5.1 Amount

LNKB has a Yearly Dividend Yield of 3.73%. Purely for dividend investing, there may be better candidates out there.
LNKB's Dividend Yield is a higher than the industry average which is at 2.70.
Compared to an average S&P500 Dividend Yield of 1.87, LNKB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.73%

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
LNKB Yearly Dividends per shareLNKB Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

29.21% of the earnings are spent on dividend by LNKB. This is a low number and sustainable payout ratio.
DP29.21%
EPS Next 2Y18.72%
EPS Next 3Y18.13%
LNKB Yearly Income VS Free CF VS DividendLNKB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 0 10M -10M 20M
LNKB Dividend Payout.LNKB Dividend Payout, showing the Payout Ratio.LNKB Dividend Payout.PayoutRetained Earnings

More info and screens

LINKBANCORP INC

NASDAQ:LNKB (12/17/2025, 8:00:00 PM)

After market: 8.36 0 (0%)

8.36

-0.05 (-0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)01-26 2026-01-26/amc
Inst Owners35.97%
Inst Owner Change0.36%
Ins Owners33.71%
Ins Owner Change0%
Market Cap313.17M
Revenue(TTM)124.30M
Net Income(TTM)38.15M
Analysts78
Price Target8.54 (2.15%)
Short Float %0.9%
Short Ratio1.67
Dividend
Industry RankSector Rank
Dividend Yield 3.73%
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP29.21%
Div Incr Years0
Div Non Decr Years3
Ex-Date11-28 2025-11-28 (0.075)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.14%
Min EPS beat(2)-4.35%
Max EPS beat(2)0.06%
EPS beat(4)2
Avg EPS beat(4)-4.39%
Min EPS beat(4)-18.3%
Max EPS beat(4)5.04%
EPS beat(8)3
Avg EPS beat(8)-20.33%
EPS beat(12)4
Avg EPS beat(12)-25.9%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.91%
Min Revenue beat(2)-6.09%
Max Revenue beat(2)-1.73%
Revenue beat(4)1
Avg Revenue beat(4)-0.05%
Min Revenue beat(4)-10.36%
Max Revenue beat(4)17.98%
Revenue beat(8)1
Avg Revenue beat(8)-4.95%
Revenue beat(12)1
Avg Revenue beat(12)-11.08%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.52%
PT rev (3m)1.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.39%
EPS NY rev (1m)0.63%
EPS NY rev (3m)0.27%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)0.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.1%
Valuation
Industry RankSector Rank
PE 10.32
Fwd PE 8.47
P/S 2.52
P/FCF 8.72
P/OCF 8.18
P/B 1.03
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)0.81
EY9.69%
EPS(NY)0.99
Fwd EY11.8%
FCF(TTM)0.96
FCFY11.46%
OCF(TTM)1.02
OCFY12.22%
SpS3.32
BVpS8.15
TBVpS6.15
PEG (NY)0.48
PEG (5Y)N/A
Graham Number12.19
Profitability
Industry RankSector Rank
ROA 1.22%
ROE 12.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.69%
GM N/A
FCFM 28.88%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.73
Debt/EBITDA N/A
Cap/Depr 39.13%
Cap/Sales 1.91%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 94.1%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC18%
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)1257.14%
EPS 3Y186.61%
EPS 5YN/A
EPS Q2Q%10.53%
EPS Next Y21.45%
EPS Next 2Y18.72%
EPS Next 3Y18.13%
EPS Next 5YN/A
Revenue 1Y (TTM)29.34%
Revenue growth 3Y81.3%
Revenue growth 5YN/A
Sales Q2Q%5.53%
Revenue Next Year12.95%
Revenue Next 2Y6.47%
Revenue Next 3Y7.56%
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 1Y49080.8%
FCF growth 3Y71.02%
FCF growth 5YN/A
OCF growth 1Y4028.91%
OCF growth 3Y74.72%
OCF growth 5YN/A

LINKBANCORP INC / LNKB FAQ

What is the fundamental rating for LNKB stock?

ChartMill assigns a fundamental rating of 5 / 10 to LNKB.


Can you provide the valuation status for LINKBANCORP INC?

ChartMill assigns a valuation rating of 7 / 10 to LINKBANCORP INC (LNKB). This can be considered as Undervalued.


What is the profitability of LNKB stock?

LINKBANCORP INC (LNKB) has a profitability rating of 4 / 10.


What are the PE and PB ratios of LINKBANCORP INC (LNKB) stock?

The Price/Earnings (PE) ratio for LINKBANCORP INC (LNKB) is 10.32 and the Price/Book (PB) ratio is 1.03.


Can you provide the dividend sustainability for LNKB stock?

The dividend rating of LINKBANCORP INC (LNKB) is 5 / 10 and the dividend payout ratio is 29.21%.