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LNKB

LINKBANCORP, Inc.

LNKB

LINKBANCORP, Inc. • NASDAQ
$7.62 ▲ 0.33% (+0.03)
Market Cap $285.41 M
52w High $7.98
52w Low $6.09
Dividend Yield 0.30%
P/E 7.4
Volume 54.92K
Outstanding Shares 37.46M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $44.829M ▲ $18.171M ▲ $7.839M ▲ 17.486% ▲ $0.21 ▲ $11.508M ▲
Q2-2025 $42.259M ▼ $18.065M ▲ $7.387M ▼ 17.48% ▼ $0.2 ▼ $10.962M ▼
Q1-2025 $42.306M ▼ $8.565M ▼ $15.343M ▲ 36.267% ▲ $0.41 ▲ $20.703M ▲
Q4-2024 $42.901M ▲ $18.303M ▼ $7.584M ▲ 17.678% ▲ $0.2 ▲ $11.344M ▲
Q3-2024 $42.874M $18.452M $7.095M 16.548% $0.19 $10.789M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $403.731M ▲ $3.122B ▲ $2.817B ▲ $305.457M ▲
Q2-2025 $155.305M ▼ $2.887B ▲ $2.589B ▲ $297.998M ▲
Q1-2025 $220.836M ▲ $2.863B ▼ $2.569B ▼ $294.066M ▲
Q4-2024 $166.755M ▼ $2.879B ▼ $2.599B ▼ $280.221M ▲
Q3-2024 $340.547M $2.88B $2.603B $277.353M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $7.839M ▲ $23.574M ▲ $-193.339M ▼ $208.835M ▲ $39.07M ▲ $23.205M ▲
Q2-2025 $7.387M ▼ $6.263M ▲ $-91.284M ▼ $19.922M ▼ $-65.099M ▼ $6.112M ▲
Q1-2025 $15.343M ▲ $2.579M ▼ $-1.954M ▲ $53.457M ▲ $54.082M ▲ $2.222M ▼
Q4-2024 $7.584M ▲ $5.859M ▼ $-25.524M ▼ $-5.467M ▼ $-25.132M ▼ $4.363M ▼
Q3-2024 $7.095M $13.962M $-10.668M $6.281M $9.575M $13.08M

Five-Year Company Overview

Income Statement

Income Statement LINKBANCORP’s income picture shows a young bank that has moved from a small base to more meaningful profitability, with a bump along the way. Revenue has grown steadily each year as the bank has added customers and loans. Profitability dipped into a loss recently, likely reflecting integration costs, higher funding costs, or growth investments, but it has swung back to a solid profit more recently. Earnings per share have been quite volatile, which is common for a newer, expanding bank and suggests results can move around depending on credit costs, interest-rate swings, and growth spending. Overall, the trend is toward a larger, more profitable franchise, but with some choppiness rather than a smooth climb.

Balance Sheet

Balance Sheet The balance sheet has expanded significantly, with total assets more than doubling over the period shown. That points to aggressive growth in loans and customer relationships. Equity has also grown, which supports this expansion and provides a thicker capital cushion than in the early years. Debt has become a more visible part of the funding mix as the bank has scaled up, but it still appears measured relative to the size of the balance sheet. Cash levels have risen from very lean to more comfortable, though they remain modest compared with total assets, which is typical for a lending-focused regional bank. Overall, the picture is of a growing institution that is building capital alongside its asset base while carefully adding leverage.

Cash Flow

Cash Flow Reported cash flow data is limited, but the most recent period shows positive cash generation from the core business and positive free cash flow. Earlier years are essentially a blank slate in this summary, which may reflect reporting differences or the early growth stage of the bank. The move into positive operating and free cash flow is encouraging, suggesting that the bank’s earnings are starting to translate into real cash, not just accounting profit. Still, given the short history and sparse data, it is hard to judge the long-term consistency of cash generation from this snapshot alone.

Competitive Edge

Competitive Edge LINKBANCORP operates as a regional, community-focused bank targeting small and mid-sized businesses and nonprofits. Its edge is less about size and more about specialization and service: local decision-making, relationship bankers, and tailored products for niche segments such as nonprofits and certain professional services. By using a modern technology backbone from Jack Henry, it can offer digital tools comparable to much larger banks without having to build them itself. The flip side is that, as a smaller regional player, it faces intense competition from both big national banks and agile fintechs, while also being more sensitive to local economic conditions and deposit competition. Its moat rests on execution: maintaining strong credit quality, preserving its high-touch culture, and continuously refreshing its tech-enabled offerings.

Innovation and R&D

Innovation and R&D LINKBANCORP is not a heavy in-house R&D spender in the way a pure fintech would be, but it is thoughtful about using partners to innovate. The Jack Henry platform gives it access to modern digital banking, an online and mobile experience, and an ecosystem of third-party fintech tools it can plug in as needed. Digital loan origination and treasury management services make the bank more efficient and responsive, particularly for business customers who value speed and convenience. Its innovation focus is pragmatic: enhance the relationship-banking model rather than replace it. The bank appears selective rather than experimental, preferring proven tools that support its core segments—small businesses and nonprofits—while exploring areas like data analytics and potentially AI in a measured way.

Summary

LINKBANCORP looks like an emerging community bank that has grown quickly from a small base, using a blend of high-touch service and modern technology. Financially, revenue and assets have climbed strongly, profitability has improved after a temporary setback, and capital has been built up alongside the growth. The balance sheet shows a move from a tiny institution to a more meaningful regional player, with rising equity and manageable use of debt. Cash generation has recently turned positive, but the short track record means results may remain uneven. Competitively, the bank leans into niche markets—small businesses and nonprofits—and backs that strategy with a strong technology partner instead of building everything itself. The main opportunities lie in deepening these niches and scaling within its regions; the main risks are typical for a young, fast-growing bank: sensitivity to interest rates, credit quality in a concentrated footprint, and the need to keep execution tight as it grows. Overall, it is a story of deliberate, tech-enabled community banking rather than headline-grabbing disruption.

NEWS

October 27, 2025 · 4:10 PM UTC

LINKBANCORP, Inc. Announces Strong Third Quarter 2025 Earnings and Declares Dividend

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