A Business at a Glance
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Description of Business LINKBANCORP, Inc. (“LINKBANCORP” or the “Company”) was incorporated under the laws of the Commonwealth of Pennsylvania on April 6, 2018 and is a bank holding company under the Bank Holding Company Act of 1956, as amended. In October 2018, LINKBANCORP became a bank holding company when it completed the acquisition of Stonebridge Bank, which was subsequently renamed LINKBANK. On September 18, 2021, the Company completed its merger with GNB Financial Services, Inc. (“GNBF”) and its wholly owned subsidiary, The Gratz Bank pursuant to which GNBF merged with and into the Company with the Company as the surviving corporation and LINKBANK merged with and into The Gratz Bank, with The Gratz Bank as the surviving institution (collectively, the "Gratz Merger"). Effective November 4, 2022, The Gratz Bank legally changed its name and began to operate under one brand under the name LINKBANK (the "Bank").
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 124M | 109M | 40M | 36M | 18M | 13M |
| Net Income | 38M | 26M | -12M | 5.6M | 289K | 4.2M |
| EPS | $1.03 | $0.71 | $-0.67 | $0.49 | $0.04 | $0.74 |
| Free Cash Flow | 36M | 23M | -1.2M | 40K | 4.5M | 3.0M |
| ROIC | 1.2% | 9.3% | 0.7% | 4.0% | 2.5% | 8.3% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.04 | 0.04 | 0.15 | 7.51 | 7.48 |
| Dividends/Share | $0.30 | $0.30 | $0.27 | $0.29 | $0.20 | $0.25 |
| Operating Income | 3.7M | 2.9M | 1.3M | 862K | 763K | 357K |
| Operating Margin | 3.0% | 2.7% | 3.2% | 2.4% | 4.2% | 2.7% |
| ROE | 1.2% | 9.6% | -4.5% | 4.0% | 0.3% | 8.3% |
| Shares Outstanding | 37M | 37M | 18M | 11M | 7M | 6M |
| Metric | 2020 | 2021 | 2022 | |||
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 13M | 18M | 36M | 40M | 109M | 124M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 357K | 763K | 862K | 1.3M | 2.9M | 3.7M |
| Op. Margin | 2.7% | 4.2% | 2.4% | 3.2% | 2.7% | 3.0% |
| Net Income | 4.2M | 289K | 5.6M | -12M | 26M | 38M |
| Net Margin | 31.5% | 1.6% | 15.6% | -30.1% | 24.1% | 30.7% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 8.3% | 2.5% | 4.0% | 0.7% | 9.3% | 1.2% |
| ROE | 8.3% | 0.3% | 4.0% | -4.5% | 9.6% | 1.2% |
| ROA | 1.0% | 0.0% | 0.5% | -0.4% | 0.9% | 170.8% |
| Cash Flow | ||||||
| Op. Cash Flow | 3.1M | 4.8M | 2.3M | -10K | 25M | 38M |
| Free Cash Flow | 3.0M | 4.5M | 40K | -1.2M | 23M | 36M |
| Owner Earnings | 2.9M | 4.4M | 1.5M | -1.1M | 24M | 36M |
| CapEx | 109K | 260K | 2.3M | 1.2M | 2.9M | 2.4M |
| Maint. CapEx | 244K | 355K | 850K | 1.1M | 1.9M | 1.9M |
| Growth CapEx | 0 | 0 | 1.5M | 32K | 993K | 481K |
| D&A | 244K | 355K | 850K | 1.1M | 1.9M | 1.9M |
| CapEx/OCF | N/A | N/A | 98.3% | N/A | 11.3% | 6.2% |
| Capital Allocation | ||||||
| Dividends Paid | 1.4M | 1.5M | 3.3M | 4.9M | 11M | 11M |
| Dividend Yield | N/A | N/A | 4.1% | 4.5% | 4.7% | 3.3% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 1.6M | 0 | 1.1M | 66M | 0 | 0 |
| Balance Sheet | ||||||
| Net Debt | N/A | N/A | -9.1M | -70M | -156M | -194M |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A | 194M |
| Long-Term Debt | N/A | N/A | N/A | 590K | 565K | 565K |
| Debt/Equity | 7.48 | 7.51 | 0.15 | 0.04 | 0.04 | 0.00 |
| Interest Coverage | 0.1 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 |
| Equity | 51M | 110M | 139M | 265M | 280M | 3.1B |
| Total Assets | 430M | 933M | 1.2B | 2.7B | 2.9B | 22M |
| Total Liabilities | 379M | 823M | 1.0B | 2.4B | 2.6B | 28M |
| Intangibles | 5.0M | 74M | 36M | 57M | 59M | 59M |
| Retained Earnings | 26M | 25M | 27M | 4.8M | 20M | 20M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||
| EPS | 0.74 | 0.04 | 0.49 | -0.67 | 0.71 | 1.03 |
| Owner EPS | 0.51 | 0.61 | 0.13 | -0.06 | 0.64 | 0.97 |
| Book Value | 8.94 | 15.17 | 12.13 | 14.85 | 7.59 | 83.36 |
| Cash Flow/Share | 0.55 | 0.66 | 0.21 | -0.00 | 0.69 | 1.07 |
| Dividends/Share | 0.25 | 0.20 | 0.29 | 0.27 | 0.30 | 0.30 |
| Shares Out. | 5.7M | 7.2M | 11.4M | 17.9M | 36.9M | 37.5M |
| Valuation | ||||||
| P/E Ratio | N/A | N/A | 15.9 | N/A | 10.3 | 8.6 |
| P/FCF | N/A | N/A | N/A | N/A | 11.9 | 9.3 |
| EV/EBIT | N/A | N/A | 92.5 | 47.0 | 38.8 | 37.2 |
| Price/Book | N/A | N/A | 0.6 | 0.5 | 1.0 | 0.1 |
| Price/Sales | N/A | N/A | 2.3 | 2.7 | 2.2 | 2.7 |
| FCF Yield | N/A | N/A | 0.0% | -0.9% | 8.4% | 10.8% |
| Market Cap | N/A | N/A | 89M | 130M | 269M | 333M |
| Avg. Price | N/A | N/A | 7.10 | 6.06 | 6.40 | 8.89 |
| Year-End Price | N/A | N/A | 7.78 | 7.25 | 7.28 | 8.89 |
LINKBANCORP, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
LINKBANCORP, Inc. trades at 8.6x trailing earnings, compared to its 15-year median P/E of 13.1x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 9.3x vs a median of 11.9x. The company's 5-year average ROIC is 5.0%. Total shareholder yield (dividends) is 3.3%. At current prices, the estimated annualized return to fair value is +291.5%.
LINKBANCORP, Inc. (LNKB) has a current P/E ratio of 8.6, compared to its historical median P/E of 13.1. The stock is currently considered Cheap based on its historical valuation range.
LINKBANCORP, Inc. (LNKB) has a 5-year average return on invested capital (ROIC) of 5.0%. This is below average and may indicate limited pricing power.
LINKBANCORP, Inc. (LNKB) has a market capitalization of $333M. It is classified as a small-cap stock.
Yes, LINKBANCORP, Inc. (LNKB) pays a dividend with a trailing twelve-month yield of 3.35%.
Based on historical P/E analysis, LINKBANCORP, Inc. (LNKB) appears cheap. The current P/E of 8.6 is 34% below its historical median of 13.1. The estimated fair value CAGR (P/E method) is 15.8%.
LINKBANCORP, Inc. (LNKB) operates in the State Commercial Banks industry, within the Financials sector.
LINKBANCORP, Inc. (LNKB) reported annual revenue of $109 million in its most recent fiscal year, based on SEC EDGAR filings.
LINKBANCORP, Inc. (LNKB) has a net profit margin of 24.1%. This is a strong margin indicating high profitability.
LINKBANCORP, Inc. (LNKB) generated $23 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
LINKBANCORP, Inc. (LNKB) has a debt-to-equity ratio of 0.04. This indicates a conservatively financed balance sheet.
LINKBANCORP, Inc. (LNKB) reported earnings per share (EPS) of $0.71 in its most recent fiscal year.
LINKBANCORP, Inc. (LNKB) has a return on equity (ROE) of 9.6%. This indicates moderate shareholder returns.
The Ledger Terminal provides 5 years of financial data for LINKBANCORP, Inc. (LNKB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
LINKBANCORP, Inc. (LNKB) has a book value per share of $7.59, based on its most recent annual SEC filing.