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LINKBANCORP INC (LNKB) Stock Fundamental Analysis

NASDAQ:LNKB - Nasdaq - US53578P1057 - Common Stock - Currency: USD

7.09  +0.26 (+3.81%)

After market: 7.09 0 (0%)

Fundamental Rating

5

LNKB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. There are concerns on the financial health of LNKB while its profitability can be described as average. LNKB is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year LNKB was profitable.
In the past year LNKB had a positive cash flow from operations.
Of the past 5 years LNKB 4 years were profitable.
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

LNKB has a better Return On Assets (1.25%) than 81.06% of its industry peers.
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 RankSector 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
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

The Profit Margin of LNKB (29.55%) is better than 81.82% of its industry peers.
LNKB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for LNKB so they could not be analyzed.
Industry RankSector 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
LNKB Yearly Profit, Operating, Gross MarginsLNKB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 20 -20

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3

2. Health

2.1 Basic Checks

LNKB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for LNKB remains at a similar level compared to 1 year ago.
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

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.
Looking at the Debt to FCF ratio, with a value of 2.41, LNKB is in line with its industry, outperforming 41.67% of the companies in the same industry.
LNKB has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
LNKB has a Debt to Equity ratio of 0.21. This is in the lower half of the industry: LNKB underperforms 60.10% of its industry peers.
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 RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.41
Altman-Z N/A
ROIC/WACCN/A
WACC19.51%
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

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7

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.
Looking at the last year, LNKB shows a very strong growth in Revenue. The Revenue has grown by 100.99%.
LNKB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 81.30% yearly.
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

Based on estimates for the next years, LNKB will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.10% on average per year.
The Revenue is expected to grow by 6.21% on average over the next years.
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.
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 20M 40M 60M 80M 100M
LNKB Yearly EPS VS EstimatesLNKB Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 0 0.5 -0.5

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.45, which indicates a very decent valuation of LNKB.
Based on the Price/Earnings ratio, LNKB is valued cheaper than 82.83% of the companies in the same industry.
LNKB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.55.
The Price/Forward Earnings ratio is 7.51, which indicates a rather cheap valuation of LNKB.
83.59% of the companies in the same industry are more expensive than LNKB, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of LNKB to the average of the S&P500 Index (22.30), we can say LNKB is valued rather cheaply.
Industry RankSector Rank
PE 9.45
Fwd PE 7.51
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

The rest of the industry has a similar Price/Free Cash Flow ratio as LNKB.
Industry RankSector Rank
P/FCF 10.2
EV/EBITDA N/A
LNKB Per share dataLNKB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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.
LNKB's earnings are expected to grow with 16.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)N/A
EPS Next 2Y16.1%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.39%, LNKB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.51, LNKB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, LNKB pays a better dividend.
Industry RankSector 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
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

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
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

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LINKBANCORP INC

NASDAQ:LNKB (6/6/2025, 8:05:10 PM)

After market: 7.09 0 (0%)

7.09

+0.26 (+3.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners34.41%
Inst Owner Change1.13%
Ins Owners33.09%
Ins Owner Change-0.01%
Market Cap265.10M
Analysts78
Price Target8.41 (18.62%)
Short Float %1.05%
Short Ratio6.51
Dividend
Industry RankSector Rank
Dividend Yield 4.39%
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP30.82%
Div Incr Years0
Div Non Decr Years3
Ex-Date05-30 2025-05-30 (0.075)
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 RankSector Rank
PE 9.45
Fwd PE 7.51
P/S 2.19
P/FCF 10.2
P/OCF 9.21
P/B 0.9
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)0.75
EY10.58%
EPS(NY)0.94
Fwd EY13.31%
FCF(TTM)0.7
FCFY9.81%
OCF(TTM)0.77
OCFY10.86%
SpS3.24
BVpS7.86
TBVpS5.8
PEG (NY)0.41
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC19.51%
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