Linkbancorp Financials

LNKB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 75/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

Linkbancorp's revenue surged 152.8% year-over-year to $167.6M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Linkbancorp carries a low D/E ratio of 0.40, meaning only $0.40 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 96/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Linkbancorp converts 13.5% of revenue into free cash flow ($22.6M). This strong cash generation earns a score of 67/100.

Returns

Linkbancorp's ROE of 9.3% shows moderate profitability relative to equity, earning a score of 37/100.

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

0.97x

For every $1 of reported earnings, Linkbancorp generates $0.97 in operating cash flow ($25.4M OCF vs $26.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

This page shows Linkbancorp (LNKB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 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).

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Key Financial Metrics

Revenue

$167.6M

YoY+152.8%

Linkbancorp generated $167.6M in revenue in fiscal year 2024. This represents an increase of 152.8% from the prior year.

EBITDA

N/A

Free Cash Flow

$22.6M

YoY+2039.6%

Linkbancorp generated $22.6M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 2039.6% from the prior year.

Net Income

$26.2M

YoY+319.0%

Linkbancorp reported $26.2M in net income in fiscal year 2024. This represents an increase of 319.0% from the prior year.

EPS (Diluted)

$0.71

YoY+206.0%

Linkbancorp earned $0.71 per diluted share (EPS) in fiscal year 2024. This represents an increase of 206.0% from the prior year.

Cash & Debt

$166.1M

YoY+107.1%

Linkbancorp held $166.1M in cash against $112.5M in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.30

YoY+0.0%

Linkbancorp paid $0.30 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

37M

YoY+0.1%

Linkbancorp had 37M shares outstanding in fiscal year 2024. This represents an increase of 0.1% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

15.6%

YoY+33.7pp

Linkbancorp's net profit margin was 15.6% in fiscal year 2024, showing the share of revenue converted to profit. This is up 33.7 percentage points from the prior year.

Return on Equity

9.3%

Linkbancorp's ROE was 9.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$2.9M

YoY+150.2%

Linkbancorp invested $2.9M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 150.2% from the prior year.

LNKB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20
Revenue	$167.6M+152.8%	$66.3M+64.6%	$40.3M+117.7%	$18.5M+29.4%	$14.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$58.8M+122.1%	$26.5M+263.9%	$7.3M+204.6%	$2.4M-12.0%	$2.7M
Income Tax	$7.4M+319.8%	-$3.4M-375.0%	$1.2M+746.6%	-$189K-129.3%	$645K
Net Income	$26.2M+319.0%	-$12.0M-313.8%	$5.6M+1837.0%	$289K-93.1%	$4.2M
EPS (Diluted)	$0.71+206.0%	$-0.67-236.7%	$0.49+1125.0%	$0.04-94.6%	$0.74

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$44.8M+6.1%	$42.3M-20.9%	$53.4M+24.5%	$42.9M+3.9%	$41.3M+2.0%	$40.5M+67.4%	$24.2M+63.7%	$14.8M
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	$15.6M+8.8%	$14.4M+0.5%	$14.3M-3.0%	$14.8M-1.4%	$15.0M+7.7%	$13.9M+58.1%	$8.8M+36.8%	$6.4M
Income Tax	$2.2M+4.4%	$2.1M-45.9%	$3.9M+81.9%	$2.1M+29.5%	$1.6M+2.6%	$1.6M+143.9%	-$3.6M-1148.1%	$347K
Net Income	$7.8M+6.1%	$7.4M-51.9%	$15.3M+102.3%	$7.6M+30.7%	$5.8M+1.4%	$5.7M+144.0%	-$13.0M-1148.5%	$1.2M
EPS (Diluted)	$0.21+5.0%	$0.20-51.2%	$0.41+95.2%	$0.21+31.2%	$0.16+6.7%	$0.15+120.5%	$-0.73-1012.5%	$0.08

LNKB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.9B+7.8%	$2.7B+129.4%	$1.2B+24.8%	$932.8M+117.2%	$429.5M
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$166.1M+107.1%	$80.2M+167.2%	$30.0M+32.9%	$22.6M-31.9%	$33.2M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	$58.8M+3.2%	$57.0M+58.9%	$35.8M0.0%	$35.8M+1436.3%	$2.3M
Total Liabilities	$2.6B+8.1%	$2.4B+134.5%	$1.0B+24.5%	$823.1M+117.3%	$378.9M
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$112.5M+56.2%	$72.0M+17.3%	$61.4M+51.6%	$40.5M-29.3%	$57.3M
Total Equity	$280.2M+5.6%	$265.3M+91.5%	$138.6M+26.4%	$109.6M+116.3%	$50.7M
Retained Earnings	$19.9M+311.9%	$4.8M-82.1%	$27.1M+9.1%	$24.8M-4.5%	$26.0M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$3.1B+8.2%	$2.9B+0.9%	$2.9B-0.6%	$2.9B+0.7%	$2.9B+2.6%	$2.8B+4.4%	$2.7B+112.6%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$194.2M+25.2%	$155.1M-29.6%	$220.2M+32.6%	$166.1M-8.6%	$181.7M+5.4%	$172.3M+114.8%	$80.2M+18.0%	$68.0M
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%	$58.8M+3.2%	$57.0M0.0%	$57.0M	N/A
Total Liabilities	$2.8B+8.8%	$2.6B+0.8%	$2.6B-1.2%	$2.6B+0.4%	$2.6B+2.8%	$2.5B+4.7%	$2.4B+115.7%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$102.3M0.0%	$102.3M-0.4%	$102.7M-8.8%	$112.5M+10.0%	$102.3M+0.1%	$102.2M+41.8%	$72.0M+30.1%	$55.4M
Total Equity	$305.5M+2.5%	$298.0M+1.3%	$294.1M+4.9%	$280.2M+3.2%	$271.4M+1.2%	$268.2M+1.1%	$265.3M+87.7%	$141.4M
Retained Earnings	$42.2M+13.6%	$37.1M+14.2%	$32.5M+63.0%	$19.9M+84.3%	$10.8M+40.2%	$7.7M+59.5%	$4.8M-74.6%	$19.1M

LNKB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$25.4M+254520.0%	-$10K-100.4%	$2.3M-50.9%	$4.8M+52.6%	$3.1M
Capital Expenditures	$2.9M+150.2%	$1.2M-50.0%	$2.3M+786.2%	$260K+138.5%	$109K
Free Cash Flow	$22.6M+2039.6%	-$1.2M-3007.5%	$40K-99.1%	$4.5M+49.5%	$3.0M
Investing Cash Flow	-$122.0M-308.3%	$58.6M+126.3%	-$222.6M-4312.1%	-$5.0M+87.0%	-$38.8M
Financing Cash Flow	$182.5M+2274.0%	-$8.4M-103.7%	$227.7M+2310.1%	-$10.3M-125.0%	$41.1M
Dividends Paid	$11.1M+128.0%	$4.9M+46.1%	$3.3M+128.0%	$1.5M+2.0%	$1.4M
Share Buybacks	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$23.6M+276.4%	$6.3M+142.8%	$2.6M-56.0%	$5.9M-8.3%	$6.4M+929.1%	-$771K+77.0%	-$3.3M-211.7%	$3.0M
Capital Expenditures	$369K+144.4%	$151K-57.7%	$357K-76.1%	$1.5M+2620.0%	$55K-87.8%	$452K-7.6%	$489K-18.4%	$599K
Free Cash Flow	$23.2M+279.7%	$6.1M+175.1%	$2.2M-49.1%	$4.4M-31.2%	$6.3M+618.2%	-$1.2M+68.1%	-$3.8M-260.0%	$2.4M
Investing Cash Flow	-$193.3M-111.8%	-$91.3M-4571.6%	-$2.0M+92.3%	-$25.5M+60.7%	-$64.9M-211.0%	-$20.9M-117.5%	$119.3M+3079.1%	-$4.0M
Financing Cash Flow	$208.8M+948.3%	$19.9M-62.7%	$53.5M+1077.8%	-$5.5M-108.0%	$67.9M-40.3%	$113.7M+209.6%	-$103.8M-91.5%	-$54.2M
Dividends Paid	$2.8M+0.1%	$2.8M+0.1%	$2.8M0.0%	$2.8M+3.0%	$2.7M-5.0%	$2.8M+133.6%	$1.2M+0.1%	$1.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

LNKB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	15.6%+33.7pp	-18.1%-32.0pp	13.9%+12.3pp	1.6%-27.8pp	29.3%
Return on Equity	9.3%	N/A	4.0%+3.8pp	0.3%-8.0pp	8.3%
Return on Assets	0.9%+1.4pp	-0.4%-0.9pp	0.5%+0.4pp	0.0%-0.9pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.40+0.1	0.27-0.2	0.44+0.1	0.37-0.8	1.13
FCF Margin	13.5%+15.2pp	-1.8%-1.9pp	0.1%-24.3pp	24.4%+3.3pp	21.1%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
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	17.5%0.0pp	17.5%-11.2pp	28.7%+11.0pp	17.7%+3.6pp	14.1%-0.1pp	14.1%+67.9pp	-53.8%-62.1pp	8.4%
Return on Equity	2.6%+0.1pp	2.5%-2.7pp	5.2%+2.5pp	2.7%+0.6pp	2.1%0.0pp	2.1%	N/A	0.9%
Return on Assets	0.3%0.0pp	0.3%-0.3pp	0.5%+0.3pp	0.3%+0.1pp	0.2%0.0pp	0.2%+0.7pp	-0.5%-0.6pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.330.0	0.340.0	0.35-0.1	0.40+0.0	0.380.0	0.38+0.1	0.27-0.1	0.39
FCF Margin	51.8%+37.3pp	14.5%+10.3pp	4.2%-6.0pp	10.2%-5.2pp	15.3%+18.4pp	-3.0%+12.8pp	-15.9%-32.1pp	16.2%

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Frequently Asked Questions

What is Linkbancorp's annual revenue?

Linkbancorp (LNKB) reported $167.6M in total revenue for fiscal year 2024. This represents a 152.8% 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.

How fast is Linkbancorp's revenue growing?

Linkbancorp (LNKB) revenue grew by 152.8% year-over-year, from $66.3M to $167.6M in fiscal year 2024.

Is Linkbancorp profitable?

Yes, Linkbancorp (LNKB) reported a net income of $26.2M in fiscal year 2024, with a net profit margin of 15.6%.

What is Linkbancorp's earnings per share (EPS)?

Linkbancorp (LNKB) reported diluted earnings per share of $0.71 for fiscal year 2024. This represents a 206.0% 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.

How much debt does Linkbancorp have?

As of fiscal year 2024, Linkbancorp (LNKB) had $166.1M in cash and equivalents against $112.5M in long-term debt.

What is Linkbancorp's net profit margin?

Linkbancorp (LNKB) had a net profit margin of 15.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Linkbancorp pay dividends?

Yes, Linkbancorp (LNKB) paid $0.30 per share in dividends during fiscal year 2024.

What is Linkbancorp's return on equity (ROE)?

Linkbancorp (LNKB) has a return on equity of 9.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Linkbancorp's free cash flow?

Linkbancorp (LNKB) generated $22.6M in free cash flow during fiscal year 2024. This represents a 2039.6% 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.

What is Linkbancorp's operating cash flow?

Linkbancorp (LNKB) generated $25.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Linkbancorp's total assets?

Linkbancorp (LNKB) had $2.9B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Linkbancorp's capital expenditures?

Linkbancorp (LNKB) invested $2.9M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does Linkbancorp have outstanding?

Linkbancorp (LNKB) had 37M shares outstanding as of fiscal year 2024.

What is Linkbancorp's debt-to-equity ratio?

Linkbancorp (LNKB) had a debt-to-equity ratio of 0.40 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Linkbancorp's return on assets (ROA)?

Linkbancorp (LNKB) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Linkbancorp's Piotroski F-Score?

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.

Are Linkbancorp's earnings high quality?

Linkbancorp (LNKB) has an earnings quality ratio of 0.97x, 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.

How financially healthy is Linkbancorp?

Linkbancorp (LNKB) scores 75 out of 100 on our Financial Profile, indicating strong 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.