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LINKBANCORP, Inc.(LNKB)Earnings, Financials & Key Ratios
LNKB•NASDAQ•Banking & Credit
9.7× P/E·Price updated Jun 8, 2026
AboutLINKBANCORP, Inc. operates as a bank holding company for The Gratz Bank, a full-service state chartered commercial bank in Pennsylvania. The company's deposit products include checking accounts, saving accounts, money market accounts, and certificates of deposits. The company's loan portfolio comprises small business, real estate, agricultural, home equity, consumer lending, commercial, municipal, term, lines of credit, auto, and home mortgage and construction loans. It also provides debit cards, mobile banking, card valet app, e-statements, ATMs, online banking and bill pay, and other services. The company operates through a main office located in Gratz, Pennsylvania, as well as bank offices located in Camp Hill, Gratz, Valley View, Harrisburg, Herndon, Lancaster, Pottsville, Trevorton, West Chester, and Minersville. Pennsylvania. LINKBANCORP, Inc. was incorporated in 2018 and is based in Camp Hill, Pennsylvania.Show more
- Net Interest Income$104M+4.4%
- Total Revenue$175M+4.7%
- Net Income$34M+27.9%
- Return on Equity11.42%+19.0%
- Net Interest Margin3.4%-2.1%
- Efficiency Ratio36.68%-17.9%
- ROA1.13%+19.3%
- Equity / Assets9.98%+2.5%
- Book Value per Share8.19+8.4%
LNKB Key Insights
LINKBANCORP, Inc. (LNKB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 51.5%
- ✓Efficient operations: 36.7% efficiency ratio
- ✓Healthy dividend yield of 3.4%
- ✓Trading at only 1.1x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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LNKB Price & Volume
LINKBANCORP, Inc. (LNKB) stock price & volume — 10-year historical chart
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LNKB Growth Metrics
LINKBANCORP, Inc. (LNKB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years61.34%
3 Years59.51%
TTM-
Profit CAGR
10 Years-
5 Years51.54%
3 Years81.57%
TTM27.86%
EPS CAGR
10 Years-
5 Years3.99%
3 Years22.47%
TTM28.37%
Return on Capital
10 Years4.01%
5 Years2.94%
3 Years3.49%
Last Year8.33%
LNKB Recent Earnings
LINKBANCORP, Inc. (LNKB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (22%)●Beat Revenue 1/12 qtrs (13%)
Q2 2026Latest
May 4, 2026Metric
Actual
Est
EPS
$0.20-4.8%
$0.21
Rev
—
$30M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$0.08
—
Rev
$46M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.10-56.5%
$0.23
Rev
$30M-1.2%
$30M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.21+0.0%
$0.21
Rev
$29M-2.7%
$30M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 4, 2026 | $0.20vs $0.21-4.8% | —vs $30M |
| Q2 2026 | Mar 12, 2026 | $0.08 | $46M |
| Q1 2026 | Jan 26, 2026 | $0.10vs $0.23-56.5% | $30Mvs $30M-1.2% |
| Q4 2025 | Oct 27, 2025 | $0.21vs $0.21+0.0% | $29Mvs $30M-2.7% |
Based on last 12 quarters of dataView full earnings history →
LNKB Peer Comparison
LINKBANCORP, Inc. (LNKB) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 PFIS | 622.75M | 62.24 | 10.59 | 22.26% | 21.04% | 11.81% | 0.50 | |
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 MNSB | 175.75M | 23.86 | 13.56 | -1.44% | 11.53% | 7.26% | 0.32 | |
 ACNB | 592.43M | 57.22 | 15.89 | 28.89% | 19.43% | 9.2% | 0.78 | |
 NFBK | 601.82M | 14.41 | 727.78 | -26.69% | 0.3% | 0.11% | 1.44 | |
 FUNC | 276.83M | 42.58 | 11.29 | 6.6% | 20.51% | 12.61% | 0.56 |
Compare LNKB vs Peers
LINKBANCORP, Inc. (LNKB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LNKB Income Statement
LINKBANCORP, Inc. (LNKB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
Net Interest Income | 11.57M | 16.11M | 32.98M | 38.71M | 99.89M | 104.29M |
NII Growth % | - | 39.16% | 104.8% | 17.36% | 158.05% | 4.4% |
Net Interest Margin % | 2.69% | 1.73% | 2.83% | 1.45% | 3.47% | 3.4% |
Interest Income | 14.29M | 18.5M | 40.26M | 65.2M | 158.72M | 164.59M |
Interest Expense | 2.72M | 2.39M | 7.28M | 26.49M | 58.83M | 60.3M |
Loan Loss Provision | 184K | 648K | 1.29M | 9.29M | 257K | 8.17M |
Non-Interest Income | 1.75M | 2.14M | 2.96M | 1.09M | 8.86M | 10.82M |
Non-Interest Income % | 10.93% | 10.37% | 6.84% | 1.64% | 5.29% | 6.17% |
Total Revenue | 16.05M▲ 0% | 20.64M▲ 28.6% | 43.22M▲ 109.5% | 66.28M▲ 53.4% | 167.59M▲ 152.8% | 175.41M▲ 4.7% |
Revenue Growth % | - | 28.61% | 109.45% | 53.36% | 152.83% | 4.67% |
Non-Interest Expense | 8.31M | 17.5M | 27.83M | 45.83M | 74.9M | 64.34M |
Efficiency Ratio | 51.77% | 84.79% | 64.39% | 69.14% | 44.7% | 36.68% |
Operating Income | 4.84M▲ 0% | 100K▼ 97.9% | 6.82M▲ 6720.0% | -15.33M▼ 324.8% | 33.59M▲ 319.2% | 42.6M▲ 26.8% |
Operating Margin % | 30.15% | 0.48% | 15.78% | -23.13% | 20.05% | 24.29% |
Operating Income Growth % | - | -97.93% | 6720% | -324.77% | 319.16% | 26.81% |
Pretax Income | 4.84M▲ 0% | 100K▼ 97.9% | 6.82M▲ 6720.0% | -15.33M▼ 324.8% | 33.59M▲ 319.2% | 42.6M▲ 26.8% |
Pretax Margin % | 30.15% | 0.48% | 15.78% | -23.13% | 20.05% | 24.29% |
Income Tax | 645K | -189K | 1.22M | -3.36M | 7.39M | 9.09M |
Effective Tax Rate % | 13.33% | -189% | 17.92% | 21.93% | 21.99% | 21.34% |
Net Income | 4.19M▲ 0% | 289K▼ 93.1% | 5.6M▲ 1837.0% | -11.97M▼ 313.8% | 26.21M▲ 319.0% | 33.51M▲ 27.9% |
Net Margin % | 26.13% | 1.4% | 12.95% | -18.06% | 15.64% | 19.1% |
Net Income Growth % | - | -93.11% | 1837.02% | -313.79% | 318.99% | 27.86% |
Net Income (Continuing) | 4.19M | 289K | 5.6M | -11.97M | 26.21M | 33.51M |
EPS (Diluted) | 0.74▲ 0% | 0.04▼ 94.6% | 0.49▲ 1128.1% | -0.67▼ 236.7% | 0.71▲ 206.0% | 0.90▲ 26.8% |
EPS Growth % | - | -94.61% | 1128.07% | -236.73% | 205.97% | 26.76% |
EPS (Basic) | 0.74 | 0.04 | 0.49 | -0.67 | 0.71 | 0.90 |
Diluted Shares Outstanding | 5.69M | 7.25M | 11.31M | 17.75M | 37.11M | 37.42M |
LNKB Balance Sheet
LINKBANCORP, Inc. (LNKB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
Cash & Short Term Investments | 175.66M | 139.2M | 114.45M | 195.68M | 166.75M | 278.1M |
Cash & Due from Banks | 50.21M | 35.42M | 35.63M | 80.19M | 166.1M | 15.48M |
Short Term Investments | 125.45M | 103.78M | 78.81M | 115.49M | 655K | 262.62M |
Total Investments | 360.26M | 819.31M | 1.03B | 2.37B | 2.5B | 2.82B |
Investments Growth % | - | 127.42% | 26.18% | 129.41% | 5.43% | 12.75% |
Long-Term Investments | 234.81M | 715.52M | 955.03M | 2.26B | 2.5B | 2.56B |
Accounts Receivables | 1.56M | 5.41M | 12.08M | 0 | 0 | 0 |
Goodwill & Intangibles | 2.51M | 37.15M | 36.89M | 82.7M | 79.76M | 74.17M |
Goodwill | 2.33M | 35.84M | 35.84M | 56.97M | 58.81M | 74.17M |
Intangible Assets | 177K | 1.31M | 1.05M | 25.73M | 20.95M | 0 |
PP&E (Net) | 3.8M | 9.97M | 16.96M | 35.63M | 32.94M | 31.18M |
Other Assets | 11.21M | 21.47M | 22.62M | 74.92M | 80.55M | 113.86M |
Total Current Assets | 177.22M | 144.61M | 126.53M | 195.68M | 166.75M | 278.1M |
Total Non-Current Assets | 252.33M | 788.15M | 1.04B | 2.47B | 2.71B | 2.79B |
Total Assets | 429.54M▲ 0% | 932.76M▲ 117.2% | 1.16B▲ 24.8% | 2.67B▲ 129.4% | 2.88B▲ 7.8% | 3.07B▲ 6.6% |
Asset Growth % | - | 117.15% | 24.75% | 129.39% | 7.85% | 6.64% |
Return on Assets (ROA) | 0.98% | 0.04% | 0.53% | -0.62% | 0.94% | 1.13% |
Accounts Payable | 2.23M | 6.29M | 6.69M | 0 | 0 | 0 |
Total Debt | 1.49M | 25.38M | 81.86M | 88.39M | 128.22M | 130.56M |
Net Debt | -48.72M | -10.04M | 46.23M | 8.21M | -37.88M | 115.08M |
Long-Term Debt | 1.12M | 20.7M | 40.48M | 62.03M | 102.55M | 115M |
Short-Term Debt | 0 | 0 | 20.94M | 10M | 10M | 0 |
Other Liabilities | 0 | 19.81M | -10.22M | 116.33M | 109.76M | 78.24M |
Total Current Liabilities | 377.73M | 782.63M | 984.62M | 2.21B | 2.37B | 2.55B |
Total Non-Current Liabilities | 1.14M | 40.51M | 40.48M | 194.73M | 227.97M | 208.81M |
Total Liabilities | 378.87M | 823.14M | 1.03B | 2.4B | 2.6B | 2.76B |
Total Equity | 50.67M▲ 0% | 109.62M▲ 116.3% | 138.55M▲ 26.4% | 265.8M▲ 91.8% | 280.22M▲ 5.4% | 306.43M▲ 9.4% |
Equity Growth % | - | 116.33% | 26.39% | 91.84% | 5.43% | 9.35% |
Equity / Assets (Capital Ratio) | 11.8% | 11.75% | 11.91% | 9.96% | 9.73% | 9.98% |
Return on Equity (ROE) | 8.27% | 0.36% | 4.51% | -5.92% | 9.6% | 11.42% |
Book Value per Share | 8.90 | 15.12 | 12.25 | 14.97 | 7.55 | 8.19 |
Tangible BV per Share | 8.46 | 10.00 | 8.99 | 10.31 | 5.40 | 6.21 |
Common Stock | 57K | 99K | 149K | 369K | 370K | 370K |
Additional Paid-in Capital | 21.6M | 82.91M | 117.71M | 263.31M | 264.45M | 0 |
Retained Earnings | 26.01M | 24.84M | 27.1M | 4.84M | 19.95M | 42.3M |
Accumulated OCI | 3.19M | 1.78M | -6.41M | -3.21M | -4.54M | -2.33M |
Treasury Stock | -188K | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
LNKB Cash Flow Statement
LINKBANCORP, Inc. (LNKB) cash flow — operating, investing & free cash flow history
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
Cash from Operations | 3.13M | 4.77M | 2.34M | -10K | 25.44M | 25.27M |
Operating CF Growth % | - | 52.62% | -50.9% | -100.43% | 254520% | -0.69% |
Net Income | 4.19M | 289K | 5.6M | -11.97M | 26.21M | 33.51M |
Depreciation & Amortization | 309K | 480K | 1.11M | 1.78M | 6.67M | 5.94M |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | -448K | 2.55M | -1.24M | 10.59M | -13.26M | -15.67M |
Working Capital Changes | -926K | 1.17M | -3.78M | -1.46M | 3.96M | -816K |
Cash from Investing | -38.82M | -5.04M | -222.59M | 58.58M | -122.02M | -380.1M |
Purchase of Investments | -71.13M | -14.19M | -34.39M | -21.05M | -57.57M | -12.36M |
Sale/Maturity of Investments | 32.55M | 35.86M | 16.25M | 103.08M | 30.23M | 0 |
Net Investment Activity | -38.58M | 21.67M | -18.14M | 82.04M | -27.34M | -12.36M |
Acquisitions | 0 | 39.88M | 0 | 41.74M | -483K | 0 |
Other Investing | -129K | -66.34M | -202.14M | -64.05M | -91.31M | -367.74M |
Cash from Financing | 41.15M | -10.3M | 227.67M | -8.39M | 182.49M | 241.03M |
Dividends Paid | -1.43M | -1.46M | -3.33M | -4.87M | -11.11M | -11.16M |
Share Repurchases | 0 | -120K | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 120K | 34.65M | 10.13M | 152K | 288K |
Net Stock Activity | 0 | 0 | 34.65M | 10.13M | 152K | 288K |
Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | 1000K | 1000K |
Other Financing | 44.22M | 5.5M | 175.23M | 51.98M | 153.44M | 186.9M |
Net Change in Cash | 5.45M▲ 0% | -10.57M▼ 293.8% | 7.42M▲ 170.2% | 50.18M▲ 576.2% | 85.91M▲ 71.2% | -113.81M▼ 232.5% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 27.71M | 33.16M | 22.59M | 30.01M | 80.19M | 166.1M |
Cash at End | 33.16M | 22.59M | 30.01M | 80.19M | 166.1M | 52.29M |
Interest Paid | 2.83M | 2.52M | 6.58M | 0 | 0 | 60.26M |
Income Taxes Paid | 745K | 560K | 395K | 0 | 0 | 13.27M |
Free Cash Flow | 3.02M▲ 0% | 4.51M▲ 49.5% | -2.25M▼ 149.9% | -1.38M▲ 38.6% | 22.56M▲ 1731.0% | 23.8M▲ 5.5% |
FCF Growth % | - | 49.52% | -149.87% | 38.56% | 1731.02% | 5.53% |
LNKB Banking Ratios
LINKBANCORP, Inc. (LNKB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
Return on Equity (ROE) | 8.27% | 0.36% | 4.51% | -5.92% | 9.6% | 11.42% |
Return on Assets (ROA) | 0.98% | 0.04% | 0.53% | -0.62% | 0.94% | 1.13% |
Net Interest Margin | 2.69% | 1.73% | 2.83% | 1.45% | 3.47% | 3.4% |
Efficiency Ratio | 51.77% | 84.79% | 64.39% | 69.14% | 44.7% | 36.68% |
Equity / Assets | 11.8% | 11.75% | 11.91% | 9.96% | 9.73% | 9.98% |
Book Value / Share | 8.9 | 15.12 | 12.25 | 14.97 | 7.55 | 8.19 |
NII Growth | - | 39.16% | 104.8% | 17.36% | 158.05% | 4.4% |
Dividend Payout | 34.18% | 505.88% | 59.56% | - | 42.37% | 33.3% |
Related:LNKB Dividend History·LNKB Revenue History·LNKB Price History·LNKB P/E History·LNKB Financial Ratios·LNKB Institutional Holders
LNKB SEC Filings & Documents
LINKBANCORP, Inc. (LNKB) SEC filings — annual & quarterly reports (10-K, 10-Q)
LNKB Frequently Asked Questions
LINKBANCORP, Inc. (LNKB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
LINKBANCORP, Inc. (LNKB) grew revenue by 4.7% over the past year. Growth has been modest.
Yes, LINKBANCORP, Inc. (LNKB) is profitable, generating $33.5M in net income for fiscal year 2025 (19.1% net margin).
Dividend & Returns
Yes, LINKBANCORP, Inc. (LNKB) pays a dividend with a yield of 3.43%. This makes it attractive for income-focused investors.
LINKBANCORP, Inc. (LNKB) has a return on equity (ROE) of 11.4%. This is reasonable for most industries.
Industry Metrics
LINKBANCORP, Inc. (LNKB) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
LINKBANCORP, Inc. (LNKB) has an efficiency ratio of 36.7%. This is excellent, indicating strong cost control.