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Upturn AI SWOT - About
LNKB 
LINKBANCORP Inc (LNKB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/15/2025: LNKB (1-star) is currently NOT-A-BUY. Pass it for now.
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 $8.25
1 Year Target Price $8.25
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.79% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 267.76M USD | Price to earnings Ratio 7.08 | 1Y Target Price 8.25 |
Price to earnings Ratio 7.08 | 1Y Target Price 8.25 | ||
Volume (30-day avg) 4 | Beta 0.6 | 52 Weeks Range 5.91 - 7.73 | Updated Date 09/15/2025 |
52 Weeks Range 5.91 - 7.73 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 4.15% | Basic EPS (TTM) 1.01 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.67% | Operating Margin (TTM) 40.34% |
Management Effectiveness
Return on Assets (TTM) 1.3% | Return on Equity (TTM) 13.14% |
Valuation
Trailing PE 7.08 | Forward PE - | Enterprise Value 230554656 | Price to Sales(TTM) 2.2 |
Enterprise Value 230554656 | Price to Sales(TTM) 2.2 | ||
Enterprise Value to Revenue 3.45 | Enterprise Value to EBITDA - | Shares Outstanding 37449300 | Shares Floating 21955415 |
Shares Outstanding 37449300 | Shares Floating 21955415 | ||
Percent Insiders 33.67 | Percent Institutions 35.82 |
Upturn AI SWOT
LINKBANCORP Inc
Company Overview
History and Background
LINKBANCORP, Inc. was founded in 2018 in Camp Hill, Pennsylvania. It was formed as the holding company for LINKBANK and aims to serve individuals, families, and businesses in the Mid-Atlantic region.
Core Business Areas
- Commercial Banking: Provides various commercial banking products and services, including commercial loans, lines of credit, and deposit accounts.
- Retail Banking: Offers retail banking services such as checking accounts, savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Andrew Samuel serves as the CEO. The company is structured with a board of directors overseeing management and operations, alongside senior leadership teams managing different business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Market share data unavailable. Competitors include large national banks, regional banks, and credit unions.
- Mortgage Loans: Offers mortgage loans to individuals and families for home purchases and refinancing. Market share data unavailable. Competitors include large national banks, mortgage lenders, and credit unions.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Market share data unavailable. Competitors include large national banks, regional banks, and online banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. Factors such as interest rates, economic growth, and technological advancements impact the industry's performance.
Positioning
LINKBANCORP aims to differentiate itself through community focus, personalized service, and local market expertise. Its competitive advantage lies in building relationships with clients in its target markets.
Total Addressable Market (TAM)
TAM is estimated at billions of dollars across the Mid-Atlantic region. LINKBANCORP is positioned to capture a share of this TAM through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Focus on relationship banking
- Solid asset quality
- Growing deposit base
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic diversification
- Dependence on local economy
- Higher cost structure than some competitors
Opportunities
- Expand into new markets
- Acquire smaller community banks
- Increase digital banking capabilities
- Grow wealth management business
- Increase cross-selling of products and services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FHB
- WSFS
- TFSL
Competitive Landscape
LINKBANCORP faces competition from larger regional banks, national banks, and credit unions. Its competitive advantages include local market knowledge and personalized service.
Major Acquisitions
Partners Bancorp
- Year: 2023
- Acquisition Price (USD millions): 148
- Strategic Rationale: Expands market presence and enhances operational efficiencies.
Growth Trajectory and Initiatives
Historical Growth: LINKBANCORP's historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future projections are dependent on macroeconomic conditions, management execution, and regulatory landscape. Analyst estimates vary.
Recent Initiatives: Recent initiatives include expanding into new markets, enhancing digital banking platform, and growing wealth management business.
Summary
LINKBANCORP Inc. is a community-focused bank in the Mid-Atlantic region with a strategy of organic growth and acquisitions. Its local presence and relationship banking approach are strengths, while smaller scale and limited diversification are weaknesses. Opportunities lie in market expansion and digital innovation, but threats include competition and economic volatility.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual due diligence and consultation with a qualified financial advisor.
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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