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Linkbancorp Financials

LNKB
Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Linkbancorp (LNKB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 59 / 100
Financial Profile 59/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth
52

Linkbancorp's revenue grew 11.3% year-over-year to $186.5M, a solid pace of expansion. This earns a growth score of 52/100.

Leverage
90

Linkbancorp carries a low D/E ratio of 0.58, meaning only $0.58 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 90/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow
57

Linkbancorp has a free cash flow margin of 12.8%, earning a moderate score of 57/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns
35

Linkbancorp's ROE of 10.9% shows moderate profitability relative to equity, earning a score of 35/100. This is up from 9.3% the prior year.

Piotroski F-Score Neutral
4/9

Linkbancorp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed
0.75x

For every $1 of reported earnings, Linkbancorp generates $0.75 in operating cash flow ($25.3M OCF vs $33.5M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue
$186.5M
YoY+11.3%
5Y CAGR+67.2%

Linkbancorp generated $186.5M in revenue in fiscal year 2025. This represents an increase of 11.3% from the prior year.

EBITDA
N/A
Net Income
$33.5M
YoY+27.9%
5Y CAGR+51.5%

Linkbancorp reported $33.5M in net income in fiscal year 2025. This represents an increase of 27.9% from the prior year.

EPS (Diluted)
$0.90
YoY+26.8%
5Y CAGR+4.0%

Linkbancorp earned $0.90 per diluted share (EPS) in fiscal year 2025. This represents an increase of 26.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow
$23.8M
YoY+5.5%
5Y CAGR+51.1%

Linkbancorp generated $23.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 5.5% from the prior year.

Cash & Debt
$52.3M
YoY-68.5%
5Y CAGR+9.5%

Linkbancorp held $52.3M in cash against $177.3M in long-term debt as of fiscal year 2025.

Dividends Per Share
$0.30
YoY+0.0%
5Y CAGR+3.7%

Linkbancorp paid $0.30 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding
37M
YoY+0.2%
5Y CAGR+45.8%

Linkbancorp had 37M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin
N/A
Operating Margin
N/A
Net Margin
18.0%
YoY+2.3pp
5Y CAGR-11.4pp

Linkbancorp's net profit margin was 18.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.3 percentage points from the prior year.

Return on Equity
10.9%
YoY+1.6pp
5Y CAGR+2.7pp

Linkbancorp's ROE was 10.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.6 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
N/A
Capital Expenditures
$1.5M
YoY-49.4%
5Y CAGR+68.1%

Linkbancorp invested $1.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 49.4% from the prior year.

LNKB Income Statement

Metric Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24
Revenue $46.0M+2.7% $44.8M+6.1% $42.3M-20.9% $53.4M+24.5% $42.9M+0.1% $42.9M+3.8% $41.3M+2.0% $40.5M
Cost of Revenue N/A N/A N/A N/A N/A N/A N/A N/A
Gross Profit N/A N/A N/A N/A N/A N/A N/A N/A
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses N/A N/A N/A N/A N/A N/A N/A N/A
Operating Income N/A N/A N/A N/A N/A N/A N/A N/A
Interest Expense $16.0M+2.1% $15.6M+8.8% $14.4M+0.5% $14.3M-3.0% $14.8M-3.0% $15.2M+1.7% $15.0M+7.7% $13.9M
Income Tax $969K-55.5% $2.2M+4.4% $2.1M-45.9% $3.9M+81.9% $2.1M+4.5% $2.0M+23.9% $1.6M+2.6% $1.6M
Net Income $2.9M-62.5% $7.8M+6.1% $7.4M-51.9% $15.3M+102.3% $7.6M+6.9% $7.1M+22.2% $5.8M+1.4% $5.7M
EPS (Diluted) N/A $0.21+5.0% $0.20-51.2% $0.41 N/A $0.19+18.8% $0.16+6.7% $0.15

LNKB Balance Sheet

Metric Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24
Total Assets $3.1B-1.6% $3.1B+8.2% $2.9B+0.9% $2.9B-0.6% $2.9B0.0% $2.9B+0.7% $2.9B+2.6% $2.8B
Current Assets N/A N/A N/A N/A N/A N/A N/A N/A
Cash & Equivalents $52.3M-73.1% $194.2M+25.2% $155.1M-29.6% $220.2M+32.6% $166.1M-13.1% $191.2M+5.3% $181.7M+5.4% $172.3M
Inventory N/A N/A N/A N/A N/A N/A N/A N/A
Accounts Receivable N/A N/A N/A N/A N/A N/A N/A N/A
Goodwill $58.8M0.0% $58.8M0.0% $58.8M0.0% $58.8M0.0% $58.8M0.0% $58.8M0.0% $58.8M+3.2% $57.0M
Total Liabilities $2.8B-1.9% $2.8B+8.8% $2.6B+0.8% $2.6B-1.2% $2.6B-0.2% $2.6B+0.6% $2.6B+2.8% $2.5B
Current Liabilities N/A N/A N/A N/A N/A N/A N/A N/A
Long-Term Debt $177.3M+73.4% $102.3M0.0% $102.3M-0.4% $102.7M-8.8% $112.5M+9.9% $102.4M+0.1% $102.3M+0.1% $102.2M
Total Equity $306.4M+0.3% $305.5M+2.5% $298.0M+1.3% $294.1M+4.9% $280.2M+1.0% $277.4M+2.2% $271.4M+1.2% $268.2M
Retained Earnings $42.3M+0.3% $42.2M+13.6% $37.1M+14.2% $32.5M+63.0% $19.9M+31.7% $15.1M+39.9% $10.8M+40.2% $7.7M

LNKB Cash Flow Statement

Metric Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24
Operating Cash Flow -$7.2M-130.3% $23.6M+276.4% $6.3M+142.8% $2.6M-56.0% $5.9M-58.0% $14.0M+118.4% $6.4M+929.1% -$771K
Capital Expenditures $584K+58.3% $369K+144.4% $151K-57.7% $357K-76.1% $1.5M+69.6% $882K+1503.6% $55K-87.8% $452K
Free Cash Flow -$7.7M-133.3% $23.2M+279.7% $6.1M+175.1% $2.2M-49.1% $4.4M-66.6% $13.1M+106.4% $6.3M+618.2% -$1.2M
Investing Cash Flow -$93.5M+51.6% -$193.3M-111.8% -$91.3M-4571.6% -$2.0M+92.3% -$25.5M-139.3% -$10.7M+83.6% -$64.9M-211.0% -$20.9M
Financing Cash Flow -$41.2M-119.7% $208.8M+948.3% $19.9M-62.7% $53.5M+1077.8% -$5.5M-187.0% $6.3M-90.8% $67.9M-40.3% $113.7M
Dividends Paid $2.8M+0.4% $2.8M+0.1% $2.8M+0.1% $2.8M0.0% $2.8M+0.4% $2.8M+2.7% $2.7M-5.0% $2.8M
Share Buybacks N/A N/A N/A N/A N/A N/A N/A N/A

LNKB Financial Ratios

Metric Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24
Gross Margin N/A N/A N/A N/A N/A N/A N/A N/A
Operating Margin N/A N/A N/A N/A N/A N/A N/A N/A
Net Margin 6.4%-11.1pp 17.5%0.0pp 17.5%-11.2pp 28.7%+11.0pp 17.7%+1.1pp 16.6%+2.5pp 14.1%-0.1pp 14.1%
Return on Equity 1.0%-1.6pp 2.6%+0.1pp 2.5%-2.7pp 5.2%+2.5pp 2.7%+0.1pp 2.6%+0.4pp 2.1%0.0pp 2.1%
Return on Assets 0.1%-0.1pp 0.3%0.0pp 0.3%-0.3pp 0.5%+0.3pp 0.3%0.0pp 0.3%+0.1pp 0.2%0.0pp 0.2%
Current Ratio N/A N/A N/A N/A N/A N/A N/A N/A
Debt-to-Equity 0.58+0.2 0.330.0 0.340.0 0.35-0.1 0.40+0.0 0.370.0 0.380.0 0.38
FCF Margin -16.8%-68.6pp 51.8%+37.3pp 14.5%+10.3pp 4.2%-6.0pp 10.2%-20.3pp 30.5%+15.2pp 15.3%+18.4pp -3.0%

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Frequently Asked Questions

Linkbancorp (LNKB) reported $186.5M in total revenue for fiscal year 2025. This represents a 11.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Linkbancorp (LNKB) revenue grew by 11.3% year-over-year, from $167.6M to $186.5M in fiscal year 2025.

Yes, Linkbancorp (LNKB) reported a net income of $33.5M in fiscal year 2025, with a net profit margin of 18.0%.

Linkbancorp (LNKB) reported diluted earnings per share of $0.90 for fiscal year 2025. This represents a 26.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

As of fiscal year 2025, Linkbancorp (LNKB) had $52.3M in cash and equivalents against $177.3M in long-term debt.

Linkbancorp (LNKB) had a net profit margin of 18.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, Linkbancorp (LNKB) paid $0.30 per share in dividends during fiscal year 2025.

Linkbancorp (LNKB) has a return on equity of 10.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Linkbancorp (LNKB) generated $23.8M in free cash flow during fiscal year 2025. This represents a 5.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Linkbancorp (LNKB) generated $25.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Linkbancorp (LNKB) had $3.1B in total assets as of fiscal year 2025, including both current and long-term assets.

Linkbancorp (LNKB) invested $1.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Linkbancorp (LNKB) had 37M shares outstanding as of fiscal year 2025.

Linkbancorp (LNKB) had a debt-to-equity ratio of 0.58 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Linkbancorp (LNKB) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Linkbancorp (LNKB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Linkbancorp (LNKB) has an earnings quality ratio of 0.75x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Linkbancorp (LNKB) scores 59 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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