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LINKBANCORP, Inc.(LNKB)Earnings, Financials & Key Ratios
LNKB•NASDAQ•Banking & Credit
$8.69
9.7× P/E·Price updated Jun 20, 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 Price & Volume
LINKBANCORP, Inc. (LNKB) stock price & volume — 10-year historical chart
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Rapid Asset Expansion Masks Emerging Credit Risks
Investment Thesis • Updated 2025Q4
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:CRE Concentration and Integration
Key Thesis Takeaways
- LINKBANCORP has aggressively scaled its asset base to $3.1 billion through inorganic growth, yet this expansion has introduced significant operational complexity and credit volatility.
- While the bank maintains a consistent dividend payout of $2.8 million per quarter, the recent spike in provision expenses to $6.6 million in 2025Q4 suggests mounting pressure on asset quality.
- Investors should monitor whether the bank can stabilize its 0.9% net interest margin while navigating the integration risks inherent in its current regional strategy.
Verdict Logic
the recent surge in provision expenses to $6.6 million and the negative 2.43 OCF/NI ratio suggest that underlying earnings quality is deteriorating despite the bank's rapid asset growth.
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 →
Peers Comparison
Key metrics vs top competitors for LINKBANCORP, Inc. (LNKB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $8.69 | $325.59M | 9.66 | 4.67% | 19.1% | 11.42% | 3.43% | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $67.05 | $671.23M | 11.40 | 22.26% | 20.68% | 11.5% | — | |
| $29.30 | $264.9M | 14.95 | 27.11% | 18.05% | 11.51% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — |
Compare LNKB vs Peers
LINKBANCORP, Inc. (LNKB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LNKB SEC Filings & Documents
LINKBANCORP, Inc. (LNKB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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LNKB Frequently Asked Questions
LINKBANCORP, Inc. (LNKB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is LINKBANCORP, Inc. growing?
LINKBANCORP, Inc. (LNKB) grew revenue by 4.7% over the past year. Growth has been modest.
Is LNKB profitable?
Yes, LINKBANCORP, Inc. (LNKB) is profitable, generating $33.5M in net income for fiscal year 2025 (19.1% net margin).
Dividend & Returns
Does LNKB pay dividends?
Yes, LINKBANCORP, Inc. (LNKB) pays a dividend with a yield of 3.43%. This makes it attractive for income-focused investors.
What is LNKB's return on equity?
LINKBANCORP, Inc. (LNKB) has a return on equity (ROE) of 11.4%. This is reasonable for most industries.
Industry Metrics
What is LINKBANCORP, Inc.'s net interest margin?
LINKBANCORP, Inc. (LNKB) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
What is LINKBANCORP, Inc.'s efficiency ratio?
LINKBANCORP, Inc. (LNKB) has an efficiency ratio of 36.7%. This is excellent, indicating strong cost control.