Linkbancorp Financials
Linkbancorp (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).
LINKBANCORP's profit model is a balance-sheet-heavy engine where modest asset returns are magnified by leverage.
FY2025 ROA of1.1% became ROE of10.9% , which means shareholder returns came less from high asset profitability than from running a large asset base with comparatively little equity. That same engine still consumed liquidity: despite$33.5M of net income, cash ended at only$52.3M because expansion required more funding than internal cash alone could provide.
The recent recovery looks more credible than FY2023's swing because operating cash flow stayed near
FY2025 also shows a tighter liquidity posture: long-term debt rose to
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'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 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 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 generated $186.5M in revenue in fiscal year 2025. This represents an increase of 11.3% from the prior year.
Linkbancorp reported $33.5M in net income in fiscal year 2025. This represents an increase of 27.9% from the prior year.
Linkbancorp earned $0.90 per diluted share (EPS) in fiscal year 2025. This represents an increase of 26.8% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Linkbancorp held $52.3M in cash against $177.3M in long-term debt as of fiscal year 2025.
Linkbancorp paid $0.30 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 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.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Revenue | $186.5M+11.3% | $167.6M+152.8% | $66.3M+64.6% | $40.3M+117.7% | $18.5M+29.4% | $14.3M |
| SG&A Expenses | $43.1M+5.1% | $41.1M+99.2% | $20.6M+27.0% | $16.2M+131.8% | $7.0M+54.0% | $4.5M |
| Interest Expense | $60.3M+2.5% | $58.8M+122.1% | $26.5M+263.9% | $7.3M+204.6% | $2.4M-12.0% | $2.7M |
| Income Tax | $9.1M+23.1% | $7.4M+319.8% | -$3.4M-375.0% | $1.2M+746.6% | -$189K-129.3% | $645K |
| Net Income | $33.5M+27.9% | $26.2M+319.0% | -$12.0M-313.8% | $5.6M+1837.0% | $289K-93.1% | $4.2M |
| EPS (Diluted) | $0.90+26.8% | $0.71 | -$0.67 | $0.49 | $0.04-94.6% | $0.74 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
LNKB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Total Assets | $3.1B+6.7% | $2.9B+7.8% | $2.7B+129.4% | $1.2B+24.8% | $932.8M+117.2% | $429.5M |
| Cash & Equivalents | $52.3M-68.5% | $166.1M+107.1% | $80.2M+167.2% | $30.0M+32.9% | $22.6M-31.9% | $33.2M |
| Goodwill | $58.8M0.0% | $58.8M+3.2% | $57.0M+58.9% | $35.8M0.0% | $35.8M+1436.3% | $2.3M |
| Total Liabilities | $2.8B+6.4% | $2.6B+8.1% | $2.4B+134.5% | $1.0B+24.5% | $823.1M+117.3% | $378.9M |
| Long-Term Debt | $177.3M+57.5% | $112.5M+56.2% | $72.0M+17.3% | $61.4M+51.6% | $40.5M-29.3% | $57.3M |
| Total Equity | $306.4M+9.4% | $280.2M+5.6% | $265.3M+91.5% | $138.6M+26.4% | $109.6M+116.3% | $50.7M |
| Retained Earnings | $42.3M+112.1% | $19.9M+311.9% | $4.8M-82.1% | $27.1M+9.1% | $24.8M-4.5% | $26.0M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $25.3M-0.7% | $25.4M+254520.0% | -$10K-100.4% | $2.3M-50.9% | $4.8M+52.6% | $3.1M |
| Capital Expenditures | $1.5M-49.4% | $2.9M+150.2% | $1.2M-50.0% | $2.3M+786.2% | $260K+138.5% | $109K |
| Free Cash Flow | $23.8M+5.5% | $22.6M+2039.6% | -$1.2M-3007.5% | $40K-99.1% | $4.5M+49.5% | $3.0M |
| Investing Cash Flow | -$380.1M-211.5% | -$122.0M-308.3% | $58.6M+126.3% | -$222.6M-4312.1% | -$5.0M+87.0% | -$38.8M |
| Financing Cash Flow | $241.0M+32.1% | $182.5M+2274.0% | -$8.4M-103.7% | $227.7M+2310.1% | -$10.3M-125.0% | $41.1M |
| Dividends Paid | $11.2M+0.5% | $11.1M+128.0% | $4.9M+46.1% | $3.3M+128.0% | $1.5M+2.0% | $1.4M |
Not reported in any period shown, so not listed: Share Buybacks.
LNKB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Net Margin | 18.0%+2.3pp | 15.6%+33.7pp | -18.1%-32.0pp | 13.9%+12.3pp | 1.6%-27.8pp | 29.3% |
| Return on Equity | 10.9%+1.6pp | 9.3%+13.9pp | -4.5%-8.5pp | 4.0%+3.8pp | 0.3%-8.0pp | 8.3% |
| Return on Assets | 1.1%+0.2pp | 0.9%+1.4pp | -0.4%-0.9pp | 0.5%+0.4pp | 0.0%-0.9pp | 1.0% |
| Debt-to-Equity | 0.58+0.2x | 0.40+0.1x | 0.27-0.2x | 0.44+0.1x | 0.37-0.8x | 1.13 |
| FCF Margin | 12.8%-0.7pp | 13.5%+15.2pp | -1.8%-1.9pp | 0.1%-24.3pp | 24.4%+3.3pp | 21.1% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Linkbancorp Ranks
Frequently Asked Questions
What is Linkbancorp's annual revenue?
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.
How fast is Linkbancorp's revenue growing?
Linkbancorp (LNKB) revenue grew by 11.3% year-over-year, from $167.6M to $186.5M in fiscal year 2025.
Is Linkbancorp profitable?
Yes, Linkbancorp (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 have?
As of fiscal year 2025, Linkbancorp (LNKB) had $52.3M in cash and equivalents against $177.3M in long-term debt.
What is Linkbancorp's net profit margin?
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.
Does Linkbancorp pay dividends?
Yes, Linkbancorp (LNKB) paid $0.30 per share in dividends during fiscal year 2025.
What is Linkbancorp's return on equity (ROE)?
Linkbancorp (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's free cash flow?
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.
What is Linkbancorp's operating cash flow?
Linkbancorp (LNKB) generated $25.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Linkbancorp's total assets?
Linkbancorp (LNKB) had $3.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Linkbancorp's capital expenditures?
Linkbancorp (LNKB) invested $1.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Linkbancorp's debt-to-equity ratio?
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.
What is Linkbancorp's return on assets (ROA)?
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.
What is Linkbancorp's Piotroski F-Score?
Linkbancorp (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's earnings high quality?
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.
How financially healthy is Linkbancorp?
Linkbancorp (LNKB) scores 38 out of 100 on our Financial Health Score, indicating weak 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.