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LNKB 
LINKBANCORP Inc (LNKB)
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Upturn Advisory Summary
11/14/2025: LNKB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $8.38
1 Year Target Price $8.38
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -12.54% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 284.66M USD | Price to earnings Ratio 7.04 | 1Y Target Price 8.38 |
Price to earnings Ratio 7.04 | 1Y Target Price 8.38 | ||
Volume (30-day avg) 4 | Beta 0.59 | 52 Weeks Range 5.96 - 7.75 | Updated Date 11/16/2025 |
52 Weeks Range 5.96 - 7.75 | Updated Date 11/16/2025 | ||
Dividends yield (FY) 3.95% | Basic EPS (TTM) 1.03 |
Earnings Date
Report Date 2025-10-27 | When After Market | Estimate 0.21 | Actual 0.21 |
Profitability
Profit Margin 31.12% | Operating Margin (TTM) 40.94% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 13.09% |
Valuation
Trailing PE 7.04 | Forward PE - | Enterprise Value 195585440 | Price to Sales(TTM) 2.32 |
Enterprise Value 195585440 | Price to Sales(TTM) 2.32 | ||
Enterprise Value to Revenue 3.44 | Enterprise Value to EBITDA - | Shares Outstanding 37455648 | Shares Floating 22690632 |
Shares Outstanding 37455648 | Shares Floating 22690632 | ||
Percent Insiders 33.5 | Percent Institutions 35.95 |
Upturn AI SWOT
LINKBANCORP Inc
Company Overview
History and Background
LINKBANCORP, Inc. was formed in 2018 as a holding company for The Gratz Bank. It has since focused on strategic acquisitions and organic growth to expand its community banking presence. The company aims to serve individuals, families, and businesses in Pennsylvania and beyond.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management, trust services, and investment advisory services to individuals and families.
Leadership and Structure
Andrew Samuel serves as the CEO. The organizational structure comprises various departments, including lending, finance, operations, and technology, reporting to the executive management team and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, lines of credit, and commercial real estate loans. Market share is difficult to pinpoint precisely but they compete with regional and national banks. Competitors include Fulton Financial Corporation and PNC Financial Services.
- Revenue data:
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share is fragmented among numerous lenders. Competitors include Wells Fargo, JPMorgan Chase, and local credit unions.
- Revenue data:
- Deposit Accounts: Provides checking, savings, and money market accounts for businesses and consumers. Market share depends on the specific region and customer segment. Competitors include Bank of America and Truist Financial Corporation.
- Revenue data:
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Digital transformation and fintech innovation are rapidly changing the landscape.
Positioning
LINKBANCORP is positioned as a community-focused bank with a strong emphasis on relationship banking and local decision-making, differentiating it from larger national banks.
Total Addressable Market (TAM)
The TAM for community banking in Pennsylvania is estimated to be in the billions of dollars, encompassing all banking and financial services within its operational area. LINKBANCORP aims to capture a growing share of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Relationship-based banking model
- Experienced management team
- Strategic acquisition experience
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic presence
- Dependence on regional economic conditions
- Higher operational costs
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking services
- Growing demand for personalized financial advice
- Potential for cross-selling wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes and compliance costs
- Economic downturn and credit risk
- Rising interest rates and margin compression
Competitors and Market Share
Key Competitors
- FULT
- PNC
- BOH
Competitive Landscape
LINKBANCORP competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantages include strong community ties and a relationship-based banking model. Disadvantages include its smaller scale and limited geographic presence.
Major Acquisitions
Partners Bancorp
- Year: 2024
- Acquisition Price (USD millions): 136.5
- Strategic Rationale: Strategic acquisition to enhance shareholder value and expand market presence into new attractive markets.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is characterized by strategic acquisitions and organic growth within their operating footprint.
Future Projections: Future growth projections would require analysis of analyst estimates and management guidance.
Recent Initiatives: Recent initiatives include strategic acquisitions of other banking institutions to expand their market presence and technological improvements to their core services.
Summary
LINKBANCORP is a community-focused bank that is working on expanding through strategic acquisitions. Its focus on relationship banking is a strength, but it must contend with larger, more established competitors. The company is positioned for continued growth through expansion, but it needs to carefully manage its expenses and maintain credit quality in a potentially volatile economic environment. Strategic acquisitions will prove crucial for expansion.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
This analysis is based on available information and estimates. Actual results may vary. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About LINKBANCORP Inc
Exchange NASDAQ | Headquaters Camp Hill, PA, United States | ||
IPO Launch date 2020-06-01 | CEO & Director Mr. Andrew S. Samuel | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 298 | Website https://www.linkbank.com |
Full time employees 298 | Website https://www.linkbank.com | ||
LINKBANCORP, Inc. operates as a bank holding company for LINKBANK that provides various banking products and services in Pennsylvania. Its deposit products include noninterest-bearing and interest-bearing demand, saving, and money market accounts; and time and brokered time deposits, as well as certificates of deposit. The company also offers commercial real estate, commercial business, construction and land development, residential real estate, home equity, consumer, agricultural, and municipal loans. It also provides online banking, mobile banking, direct and remote deposit, and cash management services. It serves to individuals, families, nonprofit, municipalities, and business customers. LINKBANCORP, Inc. was founded in 1934 and is headquartered in Camp Hill, Pennsylvania.
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