LINKBANCORP, Inc. (LNKB) Financial Ratios
6 years of historical data (2020–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
9.96
↓-77% vs avg
5yr avg: 42.48
30Y Low3.0·High19.2
P/FCF
↓
13.68
-9% vs avg
5yr avg: 14.96
30Y Low12.3·High21.2
P/B Ratio
↑
1.06
↑+29% vs avg
5yr avg: 0.82
30Y Low0.5·High1.3
ROE
↑
11.4%
↓+186% vs avg
5yr avg: 4.0%
30Y Low-6%·High11%
Debt/EBITDA
↓
2.95
↓-80% vs avg
5yr avg: 15.05
30Y Low0.3·High43.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
LNKB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
LINKBANCORP, Inc. trades at 9.7x earnings, 89% below its 5-year average of 86.1x, sitting at the 25th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 29%. On a free-cash-flow basis, the stock trades at 13.7x P/FCF, 9% below the 5-year average of 15.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Market Cap | $326M | $309M | $278M | $141M | $106M | $88M | $64M |
| Enterprise Value | $441M | $424M | $240M | $150M | $152M | $78M | $15M |
| P/E Ratio → | 9.66 | 9.18 | 10.54 | — | 19.08 | 305.76 | 15.20 |
| P/S Ratio | 1.86 | 1.76 | 1.66 | 2.13 | 2.45 | 4.29 | 3.99 |
| P/B Ratio | 1.06 | 1.01 | 0.99 | 0.53 | 0.76 | 0.81 | 1.26 |
| P/FCF | 13.68 | 12.98 | 12.30 | — | — | 19.60 | 21.21 |
| P/OCF | 12.89 | 12.23 | 10.91 | — | 45.12 | 18.53 | 20.47 |
P/E links to full P/E history page with 30-year chart
LNKB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
LINKBANCORP, Inc.'s enterprise value stands at 10.0x EBITDA, 77% below its 5-year average of 42.5x. The Financial Services sector median is 11.4x, placing the stock at a 13% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.42 | 1.43 | 2.26 | 3.52 | 3.80 | 0.95 |
| EV / EBITDA | 9.96 | 9.58 | 5.95 | — | 19.17 | 135.20 | 2.97 |
| EV / EBIT | 10.34 | 9.96 | 7.13 | — | 22.28 | 784.14 | 3.16 |
| EV / FCF | — | 17.82 | 10.62 | — | — | 17.37 | 5.07 |
LNKB Profitability
Margins and return-on-capital ratios measuring operating efficiency
LINKBANCORP, Inc. earns an operating margin of 24.3%, above the Financial Services sector average of 20.3%. Operating margins have expanded from -23.1% to 24.3% over the past 3 years, signaling improving operational efficiency. ROE of 11.4% is modest. ROIC of 7.6% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 61.0% | 61.0% | 64.7% | 46.0% | 80.2% | 85.3% | 81.9% |
| Operating Margin | 24.3% | 24.3% | 20.0% | -23.1% | 15.8% | 0.5% | 30.2% |
| Net Profit Margin | 19.1% | 19.1% | 15.6% | -18.1% | 13.0% | 1.4% | 26.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| ROE | 11.4% | 11.4% | 9.6% | -5.9% | 4.5% | 0.4% | 8.3% |
| ROA | 1.1% | 1.1% | 0.9% | -0.6% | 0.5% | 0.0% | 1.0% |
| ROIC | 7.6% | 7.6% | 6.6% | -4.0% | 2.9% | 0.1% | 7.0% |
| ROCE | 8.3% | 8.3% | 6.9% | -4.8% | 4.1% | 0.1% | 9.3% |
LNKB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
LINKBANCORP, Inc. carries a Debt/EBITDA ratio of 3.0x, which is moderately leveraged (31% below the sector average of 4.3x). Net debt stands at $115M ($131M total debt minus $15M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.46 | 0.33 | 0.59 | 0.23 | 0.03 |
| Debt / EBITDA | 2.95 | 2.95 | 3.18 | — | 10.33 | 43.75 | 0.29 |
| Net Debt / Equity | — | 0.38 | -0.14 | 0.03 | 0.33 | -0.09 | -0.96 |
| Net Debt / EBITDA | 2.60 | 2.60 | -0.94 | — | 5.83 | -17.31 | -9.47 |
| Debt / FCF | — | 4.83 | -1.68 | — | — | -2.22 | -16.14 |
| Interest Coverage | 0.71 | 0.71 | 0.57 | -0.58 | 0.94 | 0.04 | 1.78 |
LNKB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.11x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Current Ratio | 0.11 | 0.11 | 0.07 | 0.09 | 0.13 | 0.18 | 0.47 |
| Quick Ratio | 0.11 | 0.11 | 0.07 | 0.09 | 0.13 | 0.18 | 0.47 |
| Cash Ratio | 0.01 | 0.01 | 0.07 | 0.04 | 0.04 | 0.05 | 0.13 |
| Asset Turnover | — | 0.06 | 0.06 | 0.02 | 0.04 | 0.02 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — |
LNKB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
LINKBANCORP, Inc. returns 3.4% to shareholders annually primarily through dividends. The payout ratio of 33.3% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 10.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.4% | — | — | — | — | — | — |
| Payout Ratio | 33.3% | 33.3% | 42.4% | — | 59.6% | 505.9% | 34.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.4% | 10.9% | 9.5% | — | 5.2% | 0.3% | 6.6% |
| FCF Yield | 7.3% | 7.7% | 8.1% | — | — | 5.1% | 4.7% |
| Buyback Yield | 0.0% | — | — | — | — | — | — |
| Total Shareholder Yield | 3.4% | — | — | — | — | — | — |
| Shares Outstanding | — | $37M | $37M | $18M | $11M | $7M | $6M |
Peer Comparison
Compare LNKB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 LNKBYou | $326M | 9.7 | 10.0 | 13.7 | 61.0% | 24.3% | 11.4% | 7.6% | 3.0 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 PFIS | $623M | 10.6 | 11.4 | 14.4 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 ACNB | $592M | 15.9 | 16.9 | 11.3 | 73.7% | 27.3% | 10.2% | 5.3% | 6.2 |
 NFBK | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 FUNC | $277M | 11.3 | 8.0 | 18.0 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 PBFS | $429M | 22.5 | 9.4 | 13.3 | 100.0% | 37.3% | 6.3% | 8.1% | — |
 CZNC | $389M | 14.9 | 18.7 | 12.9 | 65.3% | 18.6% | 7.6% | 4.2% | 6.7 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 6 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
LNKB — Frequently Asked Questions
Quick answers to the most common questions about buying LNKB stock.
What is LINKBANCORP, Inc.'s P/E ratio?
LINKBANCORP, Inc.'s current P/E ratio is 9.7x. The historical average is 13.5x. This places it at the 25th percentile of its historical range.
What is LINKBANCORP, Inc.'s EV/EBITDA?
LINKBANCORP, Inc.'s current EV/EBITDA is 10.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 9.4x.
What is LINKBANCORP, Inc.'s ROE?
LINKBANCORP, Inc.'s return on equity (ROE) is 11.4%. The historical average is 4.7%.
Is LNKB stock overvalued?
Based on historical data, LINKBANCORP, Inc. is trading at a P/E of 9.7x. This is at the 25th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is LINKBANCORP, Inc.'s dividend yield?
LINKBANCORP, Inc.'s current dividend yield is 3.43% with a payout ratio of 33.3%.
What are LINKBANCORP, Inc.'s profit margins?
LINKBANCORP, Inc. has 61.0% gross margin and 24.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does LINKBANCORP, Inc. have?
LINKBANCORP, Inc.'s Debt/EBITDA ratio is 3.0x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.