Loading…
LINKBANCORP, Inc. operates as a bank holding company for LINKBANK that provides various banking products and services in Pennsylvania, Maryland, Delaware, and Virginia. Its deposit products include noninterest-bearing and interest-bearing, demand accounts, savings, and money market accounts; and time and brokered time deposits, as well as certificates of deposit. The company also offers commercial real estate, commercial and industrial business, construction and land development lending, one-to-four family residential real estate lending, residential real estate, home equity, consumer lending, agricultural, and municipal loans. In addition, the company provides online banking, mobile banking, direct and remote deposit, and cash management services. It serves individuals, families, nonprofit organizations, municipalities, and business customers. The company was formerly known as GNB Financial Services, Inc. and changed its name to LINKBANCORP, Inc. in September 2018. LINKBANCORP, Inc. was founded in 1934 and is headquartered in Camp Hill, Pennsylvania.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $115M | - | $34M | $24M | 10.9% | 5.8% | 27.9% |
| 2024 | $109M | - | $26M | $23M | 9.4% | 173.3% | - |
| 2023 | $40M | - | $-12M | $-1M | -4.5% | 10.7% | -313.8% |
| 2022 | $36M | - | $6M | $-2M | 4.0% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 35.94 | 39.80 | 108.76 | 115.11 |
| Pretax Income | 6.82 | -15.33 | 33.59 | 42.60 |
| Tax Provision | 1.22 | -3.36 | 7.39 | 9.09 |
| Net Income | 5.60 | -11.97 | 26.21 | 33.51 |
| Net Income Common Stockholders | 5.60 | -11.97 | 26.21 | 33.51 |
| Interest Expense | 7.28 | 26.49 | 58.83 | 60.30 |
| Interest Income | 40.26 | 65.20 | 158.72 | 164.59 |
| Selling General And Administration | 16.86 | 21.76 | 44.09 | 45.58 |
| Normalized Income | 6.40 | -3.24 | 26.92 | 25.34 |
| Basic EPS | 0.49 | -0.68 | 0.71 | 0 |
| Diluted EPS | 0.49 | -0.68 | 0.71 | 0 |
| Tax Effect Of Unusual Items | -0.17 | -2.45 | -0.20 | 2.21 |
| Tax Rate For Calcs | 0.18 | 0.22 | 0.22 | 0.21 |
| Total Unusual Items | -0.97 | -11.18 | -0.91 | 10.39 |
| Total Unusual Items Excluding Goodwill | -0.97 | -11.18 | -0.91 | 10.39 |
| Net Income From Continuing Operation Net Minority Interest | 5.60 | -11.97 | 26.21 | 33.51 |
| Reconciled Depreciation | 1.11 | 1.78 | 6.67 | 5.94 |
| Net Interest Income | 32.98 | 38.71 | 99.89 | 104.29 |
| Net Income From Continuing And Discontinued Operation | 5.60 | -11.97 | 26.21 | 33.51 |
| Diluted Average Shares | 11.31 | 17.75 | 37.11 | 0 |
| Basic Average Shares | 11.31 | 17.75 | 36.99 | 0 |
| Diluted NI Availto Com Stockholders | 5.60 | -11.97 | 26.21 | 33.51 |
| Net Income Including Noncontrolling Interests | 5.60 | -11.97 | 26.21 | 33.51 |
| Net Income Continuous Operations | 5.60 | -11.97 | 26.21 | 33.51 |
| Special Income Charges | -0.97 | -11.18 | -0.91 | 10.39 |
| Gain On Sale Of Business | 0 | 0 | 0 | 11.09 |
| Restructuring And Mergern Acquisition | 0.97 | 11.18 | 0.91 | 0.71 |
| Gain On Sale Of Security | 0.01 | -2.37 | 0 | 0 |
| Depreciation Amortization Depletion Income Statement | 0 | 0.66 | 4.78 | 4.29 |
| Depreciation And Amortization In Income Statement | 0 | 0.66 | 4.78 | 4.29 |
| Amortization | 0 | 0.66 | 4.78 | 4.29 |
| Amortization Of Intangibles Income Statement | 0 | 0.66 | 4.78 | 4.29 |
| Selling And Marketing Expense | 0 | 0.33 | 0.63 | 0.60 |
| General And Administrative Expense | 16.86 | 21.43 | 43.46 | 44.97 |
| Insurance And Claims | 0.64 | 0.82 | 2.40 | 1.83 |
| Salaries And Wages | 16.22 | 20.61 | 41.06 | 43.14 |
| Operating Revenue | 35.94 | 39.80 | 108.76 | 115.11 |
| Occupancy And Equipment | 5.17 | 6.74 | 13.12 | 13.29 |
| Professional Expense And Contract Services Expense | 1.24 | 1.70 | 2.83 | 2.55 |
| Other Non Interest Expense | 3.59 | 3.80 | 9.17 | 9.02 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| LINKBANCORP, Inc.this co. | LNKB | $322M | 9.54↓ discount | 1.05 | 10.9% | - |
| Waterstone Financial, Inc. | WSBF | $325M | 10.86 | 0.90 | 7.6% | - |
| Value Line, Inc. | VALU | $324M | 14.76 | 3.01 | 20.8% | 40.33 |
| Avidbank Holdings, Inc. | AVBH | $323M | - | 1.12 | -7.0% | - |
| Chemung Financial Corporation | CHMG | $322M | 17.63 |
| 1.23 |
| 5.9% |
| - |
| The First Bancorp, Inc. | FNLC | $320M | 8.77 | 1.13 | 12.1% | - |
| BayCom Corp | BCML | $320M | 12.13 | 0.92 | 7.1% | - |
| Timberland Bancorp, Inc. | TSBK | $320M | 10.54 | 1.19 | 11.1% | - |
| Norwood Financial Corp. | NWFL | $317M | 10.68 | 1.11 | 11.5% | - |
| Peer Median | - | 10.86 | 1.12 | 9.3% | 40.33 | |