LINKBANCORP INC (LNKB) Stock Fundamental Analysis
USA - NASDAQ:LNKB - US53578P1057 - Common Stock
7.22 USD
-0.03 (-0.41%)
7.22 USD
0 (0%)
Overall LNKB gets a fundamental rating of 4 out of 10. We evaluated LNKB against 388 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
LNKB had positive earnings in the past year.
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
LNKB has a better Return On Assets (1.30%) than 83.25% of its industry peers.
LNKB's Return On Equity of 12.55% is amongst the best of the industry. LNKB outperforms 84.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 12.55% | ||
| 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
LNKB's Profit Margin of 30.47% is amongst the best of the industry. LNKB outperforms 81.44% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.47% | ||
| 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.
Compared to 1 year ago, LNKB has about the same amount of shares outstanding.
Compared to 1 year ago, LNKB has an improved debt to assets ratio.
2.2 Solvency
LNKB has a debt to FCF ratio of 2.42. This is a good value and a sign of high solvency as LNKB would need 2.42 years to pay back of all of its debts.
The Debt to FCF ratio of LNKB (2.42) 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 perfoms like the industry average, outperforming 41.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.08%
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 1257.14% 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.
The Revenue has grown by 29.34% in the past year. This is a very strong growth!
Measured over the past years, LNKB shows a very strong growth in Revenue. The Revenue has been growing by 81.30% on average per year.
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
The Earnings Per Share is expected to grow by 15.96% on average over the next years. This is quite good.
Based on estimates for the next years, LNKB will show a small growth in Revenue. The Revenue will grow by 7.40% on average per year.
EPS Next Y20.69%
EPS Next 2Y16.22%
EPS Next 3Y15.96%
EPS Next 5YN/A
Revenue Next Year12.95%
Revenue Next 2Y6.2%
Revenue Next 3Y7.4%
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
LNKB is valuated reasonably with a Price/Earnings ratio of 8.91.
LNKB's Price/Earnings ratio is rather cheap when compared to the industry. LNKB is cheaper than 85.82% 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 25.56.
LNKB is valuated cheaply with a Price/Forward Earnings ratio of 7.64.
LNKB's Price/Forward Earnings ratio is rather cheap when compared to the industry. LNKB is cheaper than 85.82% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.62, LNKB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.91 | ||
| Fwd PE | 7.64 |
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 | 10.49 | ||
| 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 15.96% in the coming years.
PEG (NY)0.43
PEG (5Y)N/A
EPS Next 2Y16.22%
EPS Next 3Y15.96%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.95%, LNKB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.39, LNKB pays a bit more dividend than its industry peers.
LNKB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
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 29.75% of its income as dividend. This is a sustainable payout ratio.
DP29.75%
EPS Next 2Y16.22%
EPS Next 3Y15.96%
7.22
-0.03 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.84%
Inst Owner Change0.36%
Ins Owners33.72%
Ins Owner Change0.92%
Market Cap270.39M
Revenue(TTM)124.30M
Net Income(TTM)37.41M
Analysts78
Price Target8.41 (16.48%)
Short Float %0.96%
Short Ratio3.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP29.75%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-11.33%
Min EPS beat(2)-18.3%
Max EPS beat(2)-4.35%
EPS beat(4)2
Avg EPS beat(4)-3.53%
Min EPS beat(4)-18.3%
Max EPS beat(4)5.04%
EPS beat(8)3
Avg EPS beat(8)-5.18%
EPS beat(12)3
Avg EPS beat(12)-26.52%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)5.95%
Min Revenue beat(2)-6.09%
Max Revenue beat(2)17.98%
Revenue beat(4)1
Avg Revenue beat(4)-1.76%
Min Revenue beat(4)-10.36%
Max Revenue beat(4)17.98%
Revenue beat(8)1
Avg Revenue beat(8)-8.98%
Revenue beat(12)1
Avg Revenue beat(12)-11.05%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.37%
EPS NY rev (1m)0.24%
EPS NY rev (3m)-1.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.34%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)-2.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.91 | ||
| Fwd PE | 7.64 | ||
| P/S | 2.2 | ||
| P/FCF | 10.49 | ||
| P/OCF | 9.43 | ||
| P/B | 0.91 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY11.22%
EPS(NY)0.95
Fwd EY13.1%
FCF(TTM)0.69
FCFY9.53%
OCF(TTM)0.77
OCFY10.6%
SpS3.28
BVpS7.96
TBVpS5.92
PEG (NY)0.43
PEG (5Y)N/A
Graham Number12.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 12.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.47% | ||
| GM | N/A | ||
| FCFM | 21% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.42 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 46.27% | ||
| Cap/Sales | 2.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 68.91% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC19.08%
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 Y20.69%
EPS Next 2Y16.22%
EPS Next 3Y15.96%
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 2Y6.2%
Revenue Next 3Y7.4%
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 1Y11616.8%
FCF growth 3Y71.02%
FCF growth 5YN/A
OCF growth 1Y1424.63%
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 4 / 10 to LNKB.
Can you provide the valuation status for LINKBANCORP INC?
ChartMill assigns a valuation rating of 6 / 10 to LINKBANCORP INC (LNKB). This can be considered as Fairly Valued.
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 8.91 and the Price/Book (PB) ratio is 0.91.
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 29.75%.