LINKBANCORP, Inc. (LNKB) Financials
Newest figures come from the 10-K for FY2025, filed Mar 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LNKB SEC filings page.
LINKBANCORP, Inc. (LNKB) reported $186.5M in revenue for fiscal year 2025, up 11.3% from the prior fiscal year. This page shows its 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).
Reported earnings are improving, but the balance sheet is expanding faster than profits and increasingly relies on debt financing.
The FY2023 net loss of$12.0M was followed by FY2025 net income of$33.5M , with operating cash flow of$25.3M ; that earnings-to-cash conversion suggests the recovery was not merely accounting-driven, even though cash generation remained below reported profit.
Assets reached
A
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of LINKBANCORP, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
LINKBANCORP, Inc. earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and LINKBANCORP, Inc. scores 37/100 among other banks.
LINKBANCORP, Inc. reported revenue of $186.5M in fiscal year 2025, against $167.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and LINKBANCORP, Inc. scores 95/100 among other banks.
LINKBANCORP, Inc. funded 10.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $306.4M of equity against $3.1B of assets. Capital ranks banks on that cushion, and LINKBANCORP, Inc. scores 28/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. LINKBANCORP, Inc. scores 91/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. LINKBANCORP, Inc. scores 34/100 on it among other banks.
LINKBANCORP, Inc. reported net income of $33.5M in fiscal year 2025, against $26.2M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and LINKBANCORP, Inc. scores 11/100 among other banks.
LINKBANCORP, Inc. passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, LINKBANCORP, Inc. 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
Earnings & Revenue
LINKBANCORP, Inc. generated $46.0M in revenue in Q4 2025. This represents an increase of 7.3% from the same quarter a year earlier. Against the prior quarter it is up 2.7%.
LINKBANCORP, Inc. reported $2.9M in net income in Q4 2025. This represents a decrease of 61.2% from the same quarter a year earlier. Against the prior quarter it is down 62.5%.
LINKBANCORP, Inc. earned $0.08 per diluted share (EPS) in Q4 2025. This represents a decrease of 61.9% from the same quarter a year earlier. Against the prior quarter it is down 61.9%.
Not reported for Q4 2025.
Cash & Balance Sheet
LINKBANCORP, Inc. recorded an outflow of $7.7M in free cash flow in Q4 2025, representing a cash shortfall after capex. This represents a decrease of 277.3% from the same quarter a year earlier. Against the prior quarter it is down 133.3%.
LINKBANCORP, Inc. held $52.3M in cash against $177.3M in long-term debt as of Q4 2025.
LINKBANCORP, Inc. paid $0.07 per share in dividends in Q4 2025. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
LINKBANCORP, Inc.'s net profit margin was 6.4% in Q4 2025, showing the share of revenue converted to profit. This is down 11.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 11.1 percentage points.
LINKBANCORP, Inc.'s ROE was 1.0% in Q4 2025, measuring profit generated per dollar of shareholder equity. This is down 1.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.6 percentage points.
Not reported for Q4 2025.
Not reported for Q4 2025.
Capital Allocation
LINKBANCORP, Inc. invested $584K in capex in Q4 2025, funding long-term assets and infrastructure. This represents a decrease of 61.0% from the same quarter a year earlier. Against the prior quarter it is up 58.3%.
Not reported for Q4 2025.
Not reported for Q4 2025.
LNKB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $46.0M+7.3% | $44.8M+4.6% | $42.3M+2.3% | $53.4M+31.8% | $42.9M+2.2% | $42.9M+364.4% | $41.3M+360.2% | $40.5M+563.9% |
| SG&A Expenses | $11.2M+10.6% | $10.5M+6.7% | $10.3M+3.1% | $11.2M+0.3% | $10.1M+22.8% | $9.9M+135.0% | $9.9M+146.2% | $11.1M+169.9% |
| Interest Expense | $16.0M+8.2% | $15.6M+2.8% | $14.4M-3.9% | $14.3M+3.0% | $14.8M+68.0% | $15.2M+136.7% | $15.0M+139.9% | $13.9M+175.8% |
| Income Tax | $969K-54.3% | $2.2M+7.3% | $2.1M+27.4% | $3.9M+141.6% | $2.1M+158.3% | $2.0M+485.0% | $1.6M+437.0% | $1.6M+524.7% |
| Net Income | $2.9M-61.2% | $7.8M+10.5% | $7.4M+27.3% | $15.3M+168.0% | $7.6M+158.3% | $7.1M+472.2% | $5.8M+330.9% | $5.7M+468.7% |
| EPS (Basic) | $0.08-61.9% | $0.21+10.5% | $0.20+25.0% | $0.41+173.3% | $0.21+128.8% | $0.19+137.5% | $0.16+100.0% | $0.15+250.0% |
| EPS (Diluted) | $0.08-61.9% | $0.21+10.5% | $0.20+25.0% | $0.41+173.3% | $0.21 | $0.19 | $0.16 | $0.15 |
| Diluted Shares (Avg) | N/A | 37M+0.7% | 37M+0.5% | 37M+0.5% | N/A | 37M | 37M | 37M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
LNKB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.1B+6.7% | $3.1B+8.4% | $2.9B+1.0% | $2.9B+2.7% | $2.9B+7.8% | $2.9B+129.4% | $2.9B+118.5% | $2.8B+129.5% |
| Cash & Equivalents | $52.3M-68.5% | $194.2M+1.5% | $155.1M-14.6% | $220.2M+27.8% | $166.1M+107.1% | $191.2M+181.3% | $181.7M+47.5% | $172.3M+233.0% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $58.8M0.0% | $58.8M0.0% | $58.8M0.0% | $58.8M+3.2% | $58.8M+3.2% | $58.8M | $58.8M | $57.0M |
| Total Liabilities | $2.8B+6.4% | $2.8B+8.2% | $2.6B+0.1% | $2.6B+2.0% | $2.6B+8.1% | $2.6B+133.6% | $2.6B+121.9% | $2.5B+134.8% |
| Long-Term Debt | $177.3M+57.5% | $102.3M-0.2% | $102.3M0.0% | $102.7M+0.5% | $112.5M+56.2% | $102.4M+85.0% | $102.3M-11.3% | $102.2M+42.5% |
| Total Equity | $306.4M+9.4% | $305.5M+10.1% | $298.0M+9.8% | $294.1M+9.6% | $280.2M+5.6% | $277.4M+96.2% | $271.4M+90.5% | $268.2M+89.5% |
| Retained Earnings | $42.3M+112.1% | $42.2M+178.3% | $37.1M+242.8% | $32.5M+320.9% | $19.9M+311.9% | $15.1M-20.5% | $10.8M-43.1% | $7.7M-59.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
LNKB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$7.2M-222.0% | $23.6M+68.8% | $6.3M-2.0% | $2.6M+434.5% | $5.9M+275.1% | $14.0M+365.9% | $6.4M+584.4% | -$771K-29.8% |
| Depreciation & Amortization | $1.5M-7.9% | $1.5M-13.3% | $1.5M-13.3% | $1.5M-12.0% | $1.6M+91.6% | $1.7M+433.9% | $1.7M+395.1% | $1.7M+490.0% |
| Capital Expenditures | $584K-61.0% | $369K-58.2% | $151K+174.5% | $357K-21.0% | $1.5M+205.9% | $882K+47.2% | $55K | $452K |
| Free Cash Flow | -$7.7M-277.3% | $23.2M+77.4% | $6.1M-3.6% | $2.2M+281.7% | $4.4M+213.7% | $13.1M+445.5% | $6.3M | -$1.2M |
| Investing Cash Flow | -$93.5M-266.4% | -$193.3M-1712.3% | -$91.3M-40.6% | -$2.0M+90.6% | -$25.5M-121.4% | -$10.7M-166.3% | -$64.9M-191.6% | -$20.9M+39.4% |
| Financing Cash Flow | -$41.2M-653.4% | $208.8M+3224.9% | $19.9M-70.7% | $53.5M-53.0% | -$5.5M+94.7% | $6.3M+111.6% | $67.9M-26.8% | $113.7M+100.2% |
| Dividends Paid | $2.8M+0.5% | $2.8M+0.5% | $2.8M+3.1% | $2.8M-2.2% | $2.8M+128.6% | $2.8M+127.9% | $2.7M+121.8% | $2.8M+133.8% |
Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.
LNKB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 6.4%-11.3pp | 17.5%+0.9pp | 17.5%+3.4pp | 28.7%+14.6pp | 17.7%+48.6pp | 16.6%+3.1pp | 14.1%-1.0pp | 14.1%+39.6pp |
| Return on Equity | 1.0%-1.8pp | 2.6%0.0pp | 2.5%+0.3pp | 5.2%+3.1pp | 2.7%+7.6pp | 2.6%+1.7pp | 2.1%+1.2pp | 2.1%+3.2pp |
| Return on Assets | 0.1%-0.2pp | 0.3%0.0pp | 0.3%+0.1pp | 0.5%+0.3pp | 0.3%+0.8pp | 0.3%+0.1pp | 0.2%+0.1pp | 0.2%+0.3pp |
| Debt-to-Equity | 0.58+0.2x | 0.330.0x | 0.340.0x | 0.350.0x | 0.40+0.1x | 0.370.0x | 0.38-0.4x | 0.38-0.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.020.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -16.8%-27.0pp | 51.8%+21.2pp | 14.5%-0.9pp | 4.2%+7.2pp | 10.2%+19.3pp | 30.5%+4.5pp | 15.3% | -3.0% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| LINKBANCORP, Inc. LNKB | FY2025 | $186.5M | $33.5M | 18.0% | $325.6M | 49/100 |
| Northeast Community Bancorp, Inc. NECB | FY2025 | $104.8M | $44.4M | 42.4% | $380.5M | 55/100 |
| Fidelity D & D Bancorp, Inc. FDBC | FY2025 | $93.2M | $28.2M | 30.3% | $326.1M | 40/100 |
| Parke Bancorp Inc. PKBK | FY2025 | $79.9M | $37.8M | 47.3% | $382.1M | 73/100 |
| John Marshall Bancorp, Inc. JMSB | FY2025 | $62.6M | $21.2M | 33.9% | $323.6M | 58/100 |
| Waterstone Financial, Inc. WSBF | FY2025 | $141.9M | $26.4M | 18.6% | $354.3M | 47/100 |
Where LINKBANCORP, Inc. Ranks
Frequently Asked Questions
What is LINKBANCORP, Inc.'s annual revenue?
LINKBANCORP, Inc. (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.
How fast is LINKBANCORP, Inc.'s revenue growing?
LINKBANCORP, Inc. (LNKB) revenue grew by 11.3% year-over-year, from $167.6M to $186.5M in fiscal year 2025.
Is LINKBANCORP, Inc. profitable?
Yes, LINKBANCORP, Inc. (LNKB) reported a net income of $33.5M in fiscal year 2025, with a net profit margin of 18.0%.
How much debt does LINKBANCORP, Inc. have?
As of fiscal year 2025, LINKBANCORP, Inc. (LNKB) had $52.3M in cash and equivalents against $177.3M in long-term debt.
What is LINKBANCORP, Inc.'s net profit margin?
LINKBANCORP, Inc. (LNKB) had a net profit margin of 18.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does LINKBANCORP, Inc. pay dividends?
Yes, LINKBANCORP, Inc. (LNKB) paid $0.30 per share in dividends during fiscal year 2025.
What is LINKBANCORP, Inc.'s return on equity (ROE)?
LINKBANCORP, Inc. (LNKB) has a return on equity of 10.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is LINKBANCORP, Inc.'s free cash flow?
LINKBANCORP, Inc. (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.
What is LINKBANCORP, Inc.'s operating cash flow?
LINKBANCORP, Inc. (LNKB) generated $25.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are LINKBANCORP, Inc.'s total assets?
LINKBANCORP, Inc. (LNKB) had $3.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are LINKBANCORP, Inc.'s capital expenditures?
LINKBANCORP, Inc. (LNKB) invested $1.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is LINKBANCORP, Inc.'s debt-to-equity ratio?
LINKBANCORP, Inc. (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.
What is LINKBANCORP, Inc.'s return on assets (ROA)?
LINKBANCORP, Inc. (LNKB) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is LINKBANCORP, Inc.'s Piotroski F-Score?
LINKBANCORP, Inc. (LNKB) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are LINKBANCORP, Inc.'s earnings high quality?
LINKBANCORP, Inc. (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.
How financially healthy is LINKBANCORP, Inc.?
LINKBANCORP, Inc. (LNKB) scores 49 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.