LINKBANCORP INC(NASDAQ:LNKB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, LNKB scores 4 out of 10 in our fundamental rating. LNKB was compared to 405 industry peers in the Banks industry. LNKB may be in some trouble as it scores bad on both profitability and health. LNKB is not overvalued while it is showing excellent growth. This is an interesting combination.

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1. Profitability

1.1 Basic Checks

In the past year LNKB was profitable.

LNKB had a positive operating cash flow in the past year.

Of the past 5 years LNKB 4 years were profitable.

In multiple years LNKB reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of LNKB (0.20%) is worse than 88.22% of its industry peers.

With a Return On Equity value of 2.03%, LNKB is not doing good in the industry: 86.97% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.2%
ROE	2.03%
ROIC	N/A

ROA(3y)0.31%

ROA(5y)0.39%

ROE(3y)2.96%

ROE(5y)3.48%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

LNKB's Profit Margin of 5.85% is on the low side compared to the rest of the industry. LNKB is outperformed by 87.47% of its industry peers.

LNKB's Profit Margin has improved in the last couple of years.

LNKB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	5.85%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y147.53%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LNKB does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for LNKB remains at a similar level compared to 1 year ago.

Compared to 1 year ago, LNKB has an improved debt to assets ratio.

2.2 Solvency

LNKB has a debt to FCF ratio of 4.41. This is a neutral value as LNKB would need 4.41 years to pay back of all of its debts.

With a Debt to FCF ratio value of 4.41, LNKB is not doing good in the industry: 60.40% of the companies in the same industry are doing better.

A Debt/Equity ratio of 0.23 indicates that LNKB is not too dependend on debt financing.

The Debt to Equity ratio of LNKB (0.23) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	4.41
Altman-Z	N/A

ROIC/WACCN/A

WACC14.1%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 237.25% over the past year.

The Earnings Per Share has been growing by 186.61% on average over the past years. This is a very strong growth

Looking at the last year, LNKB shows a very strong growth in Revenue. The Revenue has grown by 173.23%.

LNKB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 81.30% yearly.

EPS 1Y (TTM)237.25%

EPS 3Y186.61%

EPS 5YN/A

EPS Q2Q%135.09%

Revenue 1Y (TTM)173.23%

Revenue growth 3Y81.3%

Revenue growth 5YN/A

Sales Q2Q%81.65%

3.2 Future

Based on estimates for the next years, LNKB will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.26% on average per year.

Based on estimates for the next years, LNKB will show a small growth in Revenue. The Revenue will grow by 6.86% on average per year.

EPS Next Y22.79%

EPS Next 2Y17.26%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.97%

Revenue Next 2Y6.86%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.23, the valuation of LNKB can be described as reasonable.

Based on the Price/Earnings ratio, LNKB is valued cheaply inside the industry as 80.20% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of LNKB to the average of the S&P500 Index (29.62), we can say LNKB is valued rather cheaply.

The Price/Forward Earnings ratio is 8.33, which indicates a very decent valuation of LNKB.

Based on the Price/Forward Earnings ratio, LNKB is valued cheaply inside the industry as 89.97% of the companies are valued more expensively.

LNKB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.

		Industry Rank	Sector Rank
PE	10.23
Fwd PE	8.33

4.2 Price Multiples

64.16% of the companies in the same industry are cheaper than LNKB, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	18.93
EV/EBITDA	N/A

4.3 Compensation for Growth

LNKB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

LNKB's earnings are expected to grow with 17.26% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.45

PEG (5Y)N/A

EPS Next 2Y17.26%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.08%, LNKB is a good candidate for dividend investing.

LNKB's Dividend Yield is rather good when compared to the industry average which is at 3.19. LNKB pays more dividend than 80.95% of the companies in the same industry.

LNKB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	4.08%

5.2 History

LNKB has been paying a dividend for over 5 years, so it has already some track record.

LNKB has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years3

5.3 Sustainability

169.61% of the earnings are spent on dividend by LNKB. This is not a sustainable payout ratio.

DP169.61%

EPS Next 2Y17.26%

EPS Next 3YN/A

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LINKBANCORP INC

NASDAQ:LNKB (2/21/2025, 8:00:00 PM)

After market: 7.16 0 (0%)

7.16

-0.19 (-2.59%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-27 2025-01-27/amc

Earnings (Next)04-29 2025-04-29/amc

Inst Owners34.41%

Inst Owner Change-80.53%

Ins Owners33.09%

Ins Owner Change-0.33%

Market Cap267.57M

Analysts77.78

Price Target8.5 (18.72%)

Short Float %1.56%

Short Ratio7.48

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.08%

Yearly Dividend0.19

Dividend Growth(5Y)N/A

DP169.61%

Div Incr Years0

Div Non Decr Years3

Ex-Date02-28 2025-02-28 (0.075)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-4.52%

Min EPS beat(2)-12.53%

Max EPS beat(2)3.49%

EPS beat(4)1

Avg EPS beat(4)-36.27%

Min EPS beat(4)-117.72%

Max EPS beat(4)3.49%

EPS beat(8)2

Avg EPS beat(8)-36.65%

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-7.82%

Min Revenue beat(2)-8.56%

Max Revenue beat(2)-7.08%

Revenue beat(4)0

Avg Revenue beat(4)-9.85%

Min Revenue beat(4)-19.71%

Max Revenue beat(4)-4.07%

Revenue beat(8)0

Avg Revenue beat(8)-16.59%

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)2.04%

PT rev (3m)6.38%

EPS NQ rev (1m)-3.44%

EPS NQ rev (3m)-3.44%

EPS NY rev (1m)-6.02%

EPS NY rev (3m)5.33%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)1.59%

Revenue NY rev (3m)1.35%

Valuation

		Industry Rank	Sector Rank
PE	10.23
Fwd PE	8.33
P/S	2.78
P/FCF	18.93
P/OCF	16.48
P/B	0.96
P/tB	1.36
EV/EBITDA	N/A

EPS(TTM)0.7

EY9.78%

EPS(NY)0.86

Fwd EY12%

FCF(TTM)0.38

FCFY5.28%

OCF(TTM)0.43

OCFY6.07%

SpS2.57

BVpS7.42

TBVpS5.26

PEG (NY)0.45

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.2%
ROE	2.03%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	5.85%
GM	N/A
FCFM	14.71%

ROA(3y)0.31%

ROA(5y)0.39%

ROE(3y)2.96%

ROE(5y)3.48%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y147.53%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	4.41
Debt/EBITDA	N/A
Cap/Depr	35.48%
Cap/Sales	2.18%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	251.39%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC14.1%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)237.25%

EPS 3Y186.61%

EPS 5YN/A

EPS Q2Q%135.09%

EPS Next Y22.79%

EPS Next 2Y17.26%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)173.23%

Revenue growth 3Y81.3%

Revenue growth 5YN/A

Sales Q2Q%81.65%

Revenue Next Year10.97%

Revenue Next 2Y6.86%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y19267.1%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y1651.46%

OCF growth 3YN/A

OCF growth 5YN/A

LINKBANCORP INC (LNKB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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