Latest Ratios: P/E Ratio 9.7x · EV/EBITDA 10.0x · ROE 11.4%. (2020–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| 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
Enterprise-value multiples — capital-structure-neutral measures of total business value
| 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 |
Margins and return-on-capital ratios measuring operating efficiency
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% |
| 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% |
Solvency and debt-coverage ratios — lower is generally safer
| 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 |
Short-term solvency ratios and asset-utilisation metrics
| 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 | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
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% |
| 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 |
CRE Concentration and Integration
According to recent market data, LNKB trades at a P/B of 1.06, which appears to reflect investor skepticism regarding the bank's ability to generate meaningful returns on tangible equity following its rapid, acquisition-led expansion across the Mid-Atlantic region over the past two years.
The current valuation multiple suggests the market is pricing LNKB as a commodity balance sheet rather than a premium franchise, likely due to the dilution associated with stock-funded mergers. Investors should monitor whether the bank can improve its ROTCE to justify a higher multiple as the integration of Partners Bancorp concludes.
As reported in financial statements, LNKB's ROE has languished at 1.0% in 2025Q4, a significant decline from historical levels, primarily driven by compressed net interest margins and the heavy operational burden of integrating recent acquisitions into the bank's existing cost structure.
The decomposition of profitability indicates that asset utilization is currently hampered by high non-interest expenses, which have surged during the integration phase. The bank's reliance on inorganic growth has yet to translate into the operating leverage necessary to drive sustainable, double-digit returns on equity.
Based on the company's reported figures, the efficiency ratio reached 42.5% in 2025Q4, reflecting the ongoing difficulty in managing non-interest expenses while the net interest margin remains suppressed at 0.9% due to rising funding costs and competitive deposit pricing.
The bank's inability to maintain a lower efficiency ratio suggests that the expected cost synergies from recent mergers have not yet materialized. Management must demonstrate an ability to control overhead costs to prevent further margin erosion in a high-rate environment.
As reported in recent filings, the equity-to-assets ratio has remained stagnant at approximately 0.10 since 2023Q4, indicating that LNKB's capital base is struggling to keep pace with the rapid asset growth resulting from its aggressive inorganic expansion strategy.
This capital position warrants investigation, as it leaves the bank with limited buffer to absorb potential credit losses within its concentrated commercial real estate portfolio. Investors should monitor whether future growth will require additional capital raises, which could further dilute existing shareholders.
Based on the provided data, the P/E ratio is a misleading metric for LNKB, as it fails to account for the significant non-cash accounting adjustments and merger-related noise that have caused headline earnings to fluctuate by over 60% in recent quarters.
The P/E ratio obscures the bank's true underlying earning power by including one-time integration costs and volatile loan loss provisions. Analysts should instead focus on pre-provision net revenue (PPNR) and tangible book value growth to better assess the bank's core operational performance.
Includes 30+ ratios · 6 years · Updated daily
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Quick answers to the most common questions about buying LNKB stock.
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.
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.
LINKBANCORP, Inc.'s return on equity (ROE) is 11.4%. The historical average is 4.7%.
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.
LINKBANCORP, Inc.'s current dividend yield is 3.43% with a payout ratio of 33.3%.
LINKBANCORP, Inc. has 61.0% gross margin and 24.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
LINKBANCORP, Inc.'s Debt/EBITDA ratio is 3.0x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.