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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% | -319.0% |
| 2023 | $40M | - | $-12M | $-1M | -4.5% | 10.7% | -313.8% |
| 2022 | $36M | - | $6M | $-2M | 4.0% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 35.94 | 39.80 | 108.76 | 115.11 |
| Operating Revenue | - | 35.94 | 39.80 | 108.76 | 115.11 |
| Selling General And Administration | - | 16.86 | 21.76 | 44.09 | 45.58 |
| Interest Income | - | 40.26 | 65.20 | 158.72 | 164.59 |
| Interest Expense | - | 7.28 | 26.49 | 58.83 | 60.30 |
| Net Interest Income | - | 32.98 | 38.71 | 99.89 | 104.29 |
| Pretax Income | - | 6.82 | -15.33 | 33.60 | 42.60 |
| Tax Provision | - | 1.22 | -3.36 | 7.39 | 9.09 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -0.17 | -2.45 | -0.20 | 2.21 |
| Net Income Continuous Operations | - | 5.60 | -11.97 | 26.21 | 33.51 |
| Net Income From Continuing And Discontinued Operation | - | 5.60 | -11.97 | 26.21 | 33.51 |
| Net Income From Continuing Operation Net Minority Interest | - | 5.60 | -11.97 | 26.21 | 33.51 |
| Net Income | - | 5.60 | -11.97 | 26.21 | 33.51 |
| Net Income Common Stockholders | - | 5.60 | -11.97 | 26.21 | 33.51 |
| Net Income Including Noncontrolling Interests | - | 5.60 | -11.97 | 26.21 | 33.51 |
| Normalized Income | - | 6.40 | -3.24 | 26.92 | 25.34 |
| Diluted NI Availto Com Stockholders | - | 5.60 | -11.97 | 26.21 | 33.51 |
| Basic Average Shares | 6.88 | 11.31 | 17.75 | 36.99 | - |
| Diluted Average Shares | 7.25 | 11.31 | 17.75 | 37.11 | - |
| Reconciled Depreciation | - | 1.11 | 1.78 | 6.67 | 5.94 |
| Total Unusual Items | - | -0.97 | -11.18 | -0.91 | 10.39 |
| Total Unusual Items Excluding Goodwill | - | -0.97 | -11.18 | -0.91 | 10.39 |
| Special Income Charges | - | -0.97 | -11.18 | -0.91 | 10.39 |
| Gain On Sale Of Business | - | - | - | 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 | - | - | 0.66 | 4.78 | 4.29 |
| Depreciation And Amortization In Income Statement | - | - | 0.66 | 4.78 | 4.29 |
| General And Administrative Expense | - | 16.86 | 21.43 | 43.46 | 44.97 |
| Salaries And Wages | - | 16.22 | 20.61 | 41.06 | 43.14 |
| Insurance And Claims | - | 0.64 | 0.82 | 2.40 | 1.83 |
| Selling And Marketing Expense | - | - | 0.33 | 0.63 | 0.60 |
| Amortization | - | - | 0.66 | 4.78 | 4.29 |
| Amortization Of Intangibles Income Statement | - | - | 0.66 | 4.78 | 4.29 |
| 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 | $326M | 9.72↓ discount | 1.06 | 10.9% | - |
| Chemung Financial Corporation | CHMG | $336M | 22.26 | 1.32 | 5.9% | - |
| Waterstone Financial, Inc. | WSBF | $336M | 12.72 | 0.96 | 7.6% | - |
| Regional Management Corp. | RM | $331M | 7.45 | 0.89 | 11.9% | - |
| The First Bancorp, Inc. | FNLC | $331M |
| - |
| - |
| - |
| - |
| 9.62 |
| 1.17 |
| 12.1% |
| - |
| Norwood Financial Corp. | NWFL | $329M | 11.86 | 1.36 | 11.5% | - |
| Timberland Bancorp, Inc. | TSBK | $323M | 11.08 | 1.23 | 11.1% | - |
| American Integrity Insurance Group, Inc. | AII | $321M | 3.22 | 0.95 | 29.6% | - |
| CoastalSouth Bancshares, Inc. | COSO | $314M | 12.63 | 1.21 | 9.6% | - |
| Peer Median | - | 11.47 | 1.19 | 11.3% | - | |