LINKBANCORP INC (LNKB) Fundamental Analysis & Valuation

NASDAQ:LNKB • US53578P1057

Current stock price

8.32 USD
-0.1 (-1.19%)
At close:
8.32 USD
0 (0%)
After Hours:

This LNKB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. LNKB Profitability Analysis

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.
  • The reported operating cash flow has been mixed in the past 5 years: LNKB reported negative operating cash flow in multiple years.
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 2025 0 10M -10M 20M 30M

1.2 Ratios

  • The Return On Assets of LNKB (1.22%) is better than 76.32% of its industry peers.
  • With an excellent Return On Equity value of 12.49%, LNKB belongs to the best of the industry, outperforming 82.89% of the companies in the same industry.
Industry RankSector Rank
ROA 1.22%
ROE 12.49%
ROIC N/A
ROA(3y)0.52%
ROA(5y)0.41%
ROE(3y)5.26%
ROE(5y)4.02%
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 2025 0 5 10

1.3 Margins

  • LNKB's Profit Margin of 30.69% is fine compared to the rest of the industry. LNKB outperforms 78.42% of its industry peers.
  • In the last couple of years the Profit Margin of LNKB has declined.
  • 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 3Y19.46%
PM growth 5Y-3.33%
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 2025 0 20 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. LNKB Health Analysis

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 more shares outstanding
  • The number of shares outstanding for LNKB has been increased compared to 5 years 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 2025 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 2025 1B 2B 3B

2.2 Solvency

  • The Debt to FCF ratio of LNKB is 1.78, which is an excellent value as it means it would take LNKB, only 1.78 years of fcf income to pay off all of its debts.
  • LNKB has a Debt to FCF ratio (1.78) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.20 indicates that LNKB is not too dependend on debt financing.
  • LNKB has a Debt to Equity ratio of 0.20. This is comparable to the rest of the industry: LNKB outperforms 43.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.78
Altman-Z N/A
ROIC/WACCN/A
WACC18.18%
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 2025 0 100M 200M 300M

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 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. LNKB Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.43% over the past year.
  • Measured over the past years, LNKB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.87% on average per year.
  • LNKB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.04%.
  • LNKB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 56.79% yearly.
EPS 1Y (TTM)1.43%
EPS 3Y22.38%
EPS 5Y15.87%
EPS Q2Q%-50%
Revenue 1Y (TTM)16.04%
Revenue growth 3Y51.98%
Revenue growth 5Y56.79%
Sales Q2Q%6.77%

3.2 Future

  • LNKB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.88% yearly.
  • LNKB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.97% yearly.
EPS Next Y39.96%
EPS Next 2Y27.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.79%
Revenue Next 2Y4.97%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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

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6

4. LNKB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.72, the valuation of LNKB can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of LNKB is on the same level as its industry peers.
  • LNKB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.50.
  • The Price/Forward Earnings ratio is 8.37, which indicates a very decent valuation of LNKB.
  • Based on the Price/Forward Earnings ratio, LNKB is valued cheaply inside the industry as 84.21% of the companies are valued more expensively.
  • LNKB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 11.72
Fwd PE 8.37
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 74.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.9
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

  • 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 27.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.29
PEG (5Y)0.74
EPS Next 2Y27.88%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. LNKB Dividend Analysis

5.1 Amount

  • LNKB has a Yearly Dividend Yield of 3.65%.
  • LNKB's Dividend Yield is a higher than the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.89, LNKB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.65%

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 2026 0.1 0.2 0.3

5.3 Sustainability

  • LNKB pays out 28.94% of its income as dividend. This is a sustainable payout ratio.
DP28.94%
EPS Next 2Y27.88%
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 2025 0 10M -10M 20M 30M
LNKB Dividend Payout.LNKB Dividend Payout, showing the Payout Ratio.LNKB Dividend Payout.PayoutRetained Earnings

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LNKB Fundamentals: All Metrics, Ratios and Statistics

LINKBANCORP INC

NASDAQ:LNKB (3/24/2026, 8:00:00 PM)

After market: 8.32 0 (0%)

8.32

-0.1 (-1.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners34.79%
Inst Owner Change-1.48%
Ins Owners33.7%
Ins Owner Change0%
Market Cap311.75M
Revenue(TTM)126.20M
Net Income(TTM)38.15M
Analysts48.89
Price Target9.24 (11.06%)
Short Float %1.31%
Short Ratio1.82
Dividend
Industry RankSector Rank
Dividend Yield 3.65%
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP28.94%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-27
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)0%
PT rev (3m)8.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.9%
Valuation
Industry RankSector Rank
PE 11.72
Fwd PE 8.37
P/S 2.51
P/FCF 8.9
P/OCF 8.33
P/B 1.02
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)0.71
EY8.53%
EPS(NY)0.99
Fwd EY11.94%
FCF(TTM)0.94
FCFY11.24%
OCF(TTM)1
OCFY12%
SpS3.32
BVpS8.15
TBVpS6.14
PEG (NY)0.29
PEG (5Y)0.74
Graham Number11.41
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 28.19%
ROA(3y)0.52%
ROA(5y)0.41%
ROE(3y)5.26%
ROE(5y)4.02%
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 3Y19.46%
PM growth 5Y-3.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.78
Debt/EBITDA N/A
Cap/Depr 39.2%
Cap/Sales 1.91%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC18.18%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.43%
EPS 3Y22.38%
EPS 5Y15.87%
EPS Q2Q%-50%
EPS Next Y39.96%
EPS Next 2Y27.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.04%
Revenue growth 3Y51.98%
Revenue growth 5Y56.79%
Sales Q2Q%6.77%
Revenue Next Year0.79%
Revenue Next 2Y4.97%
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 1Y140.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y124.68%
OCF growth 3YN/A
OCF growth 5YN/A

LINKBANCORP INC / LNKB Fundamental Analysis FAQ

What is the fundamental rating for LNKB stock?

ChartMill assigns a fundamental rating of 4 / 10 to LNKB.


What is the valuation status for LNKB stock?

ChartMill assigns a valuation rating of 6 / 10 to LINKBANCORP INC (LNKB). This can be considered as Fairly Valued.


Can you provide the profitability details for LINKBANCORP INC?

LINKBANCORP INC (LNKB) has a profitability rating of 3 / 10.


How financially healthy is LINKBANCORP INC?

The financial health rating of LINKBANCORP INC (LNKB) is 2 / 10.


What is the expected EPS growth for LINKBANCORP INC (LNKB) stock?

The Earnings per Share (EPS) of LINKBANCORP INC (LNKB) is expected to grow by 39.96% in the next year.