NASDAQ : LNKB

LINKBANCORP, Inc. — Financial statements

Financials · Banks - Regional · United States

Last price 8.69 USD (At close: Apr 30, 2026) · Market cap 325.59M

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Financial statements

Income statement

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Interest Income on Loans149.95M149.95M146.18M58.79M36.40M15.92M
Interest Income on Investments14.64M14.64M12.55M6.41M3.87M2.57M
Total Interest Income164.59M164.59M158.72M65.20M40.26M18.50M
Interest Paid on Deposits52.12M52.12M51.03M22.64M5.34M2.09M
Interest Paid on Borrowings8.18M8.18M7.80M3.85M1.94M299.00K
Total Interest Expense60.30M60.30M58.83M26.49M7.28M2.39M
Net Interest Income104.29M104.29M99.89M38.71M32.98M16.11M
Gain (Loss) on Sale of Assets11.09M11.09M
Gain (Loss) on Sale of Investments4.00K-2.37M13.00K74.00K
Other Non-Interest Income5.79M5.79M4.55M2.01M1.36M1.02M
Total Non-Interest Income21.91M21.91M8.86M1.09M2.96M2.14M
Revenues Before Loan Losses126.20M126.20M108.76M39.80M35.94M18.25M
Provision for Loan Losses8.17M8.17M257.00K9.29M1.29M648.00K
Revenue118.04M118.04M108.50M30.50M34.65M17.60M
Salaries and Employee Benefits41.17M41.17M39.38M19.65M15.70M6.76M
Federal Deposit Insurance1.83M1.83M2.40M817.00K640.00K231.00K
Amortization of Goodwill & Intangibles4.29M4.29M4.78M663.00K
Selling, General & Administrative18.42M18.42M18.26M9.72M6.93M3.27M
Other Non-Interest Expense9.02M9.02M9.17M3.80M3.59M2.65M
Total Non-Interest Expense74.73M74.73M73.99M34.66M26.86M12.91M
EBT Excluding Unusual Items43.31M43.31M34.51M-4.15M7.79M4.68M
Pretax Income42.60M42.60M33.59M-15.33M6.82M100.00K
Income Tax Expense9.09M9.09M7.39M-3.36M1.22M-189.00K
Net Income33.51M33.51M26.21M-11.97M5.60M289.00K
Net Income to Common33.51M33.51M26.21M-11.97M5.60M289.00K
Basic Shares Outstanding37.17M37.17M36.99M17.75M11.31M6.88M
Diluted Shares Outstanding37.32M37.32M37.11M17.75M11.31M7.25M
EPS (Basic)0.900.900.71-0.670.490.04
EPS (Diluted)0.900.900.71-0.670.490.04
Dividend Per Share0.300.300.300.300.300.20
Effective Tax Rate21.34%21.34%21.98%17.92%

Balance sheet

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Cash & Equivalents52.29M52.29M166.10M80.19M30.01M22.59M
Investment Securities71.43M71.43M75.60M81.80M61.63M62.39M
Trading Asset Securities1.65M1.65M716.00K
Mortgage-Backed Securities216.68M216.68M101.50M69.92M54.63M54.22M
Total Investments289.76M289.76M177.10M152.43M116.26M116.61M
Gross Loans2.56B2.56B2.26B2.13B927.87M715.04M
Allowance for Loan Losses-31.67M-31.67M-26.43M-23.77M-4.67M-3.15M
Other Adjustments to Gross Loans-223.00K
Net Loans2.53B2.53B2.23B2.10B923.21M711.66M
Property, Plant & Equipment31.18M31.18M32.94M35.63M16.96M9.97M
Goodwill58.81M58.81M58.81M56.97M35.84M35.84M
Other Intangible Assets15.37M15.37M20.95M25.73M1.05M1.31M
Loans Held for Sale3.86M
Accrued Interest Receivable10.84M10.84M9.87M9.83M4.66M3.02M
Other Current Assets94.15M115.50M
Long-Term Deferred Tax Assets16.89M16.89M18.87M24.15M5.62M4.04M
Other Long-Term Assets70.74M70.74M70.68M64.38M30.04M23.86M
Total Assets3.07B3.07B2.88B2.67B1.16B932.76M
Interest Bearing Deposits1.74B1.74B1.54B1.45B708.38M586.16M
Institutional Deposits210.10M210.10M164.90M128.33M45.62M56.27M
Non-Interest Bearing Deposits603.73M603.73M658.65M624.78M192.77M129.24M
Total Deposits2.55B2.55B2.36B2.20B946.77M771.66M
Short-Term Borrowings75.02M75.02M10.00M10.00M20.94M
Current Portion of Leases2.46M2.46M
Accrued Interest Payable1.91M1.91M1.86M1.47M797.00K103.00K
Other Current Liabilities93.78M99.78M
Long-Term Debt62.28M62.28M62.55M62.03M40.48M40.51M
Federal Home Loan Bank Debt, Long-Term40.00M40.00M40.00M
Long-Term Leases13.10M13.10M15.67M16.36M10.22M4.68M
Pension & Post-Retirement Benefits2.90M2.90M2.49M2.00M1.65M953.00K
Other Long-Term Liabilities12.07M12.07M11.63M13.09M4.24M5.23M
Total Liabilities2.76B2.76B2.60B2.40B1.03B823.14M
Common Stock370.00K370.00K370.00K369.00K149.00K99.00K
Additional Paid-In Capital266.09M266.09M264.45M263.31M117.71M82.91M
Retained Earnings42.30M42.30M19.95M4.84M27.10M24.84M
Comprehensive Income & Other-2.33M-2.33M-4.54M-3.21M-6.41M1.78M
Total Common Equity306.43M306.43M280.22M265.31M138.55M109.62M
Minority Interest483.00K
Shareholders' Equity306.43M306.43M280.22M265.80M138.55M109.62M
Total Liabilities & Equity3.07B3.07B2.88B2.67B1.16B932.76M
Total Debt192.87M192.87M128.22M88.39M71.64M45.19M
Net Cash (Debt)-138.92M-138.92M37.88M-7.49M-36.01M-9.77M
Net Cash Per Share-3.72-3.721.02-0.42-3.18-1.35
Filing Date Shares Outstanding37.47M37.47M37.38M37.35M16.22M9.83M
Total Common Shares Outstanding37.46M37.46M37.37M37.34M14.94M9.83M
Book Value Per Share8.188.187.507.119.2711.16
Tangible Book Value232.26M232.26M200.46M182.61M101.66M72.47M
Tangible Book Value Per Share6.206.205.364.896.807.38

Cash flow statement

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Net Income33.51M33.51M26.21M-11.97M5.60M289.00K
Depreciation & Amortization5.94M5.94M6.67M1.78M1.11M480.00K
Gain (Loss) on Sale of Assets-11.09M-11.09M
Gain (Loss) on Sale of Investments-10.50M-10.50M-11.75M2.17M-1.96M1.30M
Provision for Credit Losses8.17M8.17M257.00K9.29M1.29M648.00K
Net Decrease (Increase) in Loans Originated / Sold - Operating719.00K719.00K270.00K327.00K753.00K1.33M
Accrued Interest Receivable-1.10M-1.10M5.94M-3.80M-3.60M-165.00K
Other Operating Activities-2.25M-2.25M-1.77M-738.00K-568.00K-422.00K
Operating Cash Flow25.27M25.27M25.44M-10.00K2.34M4.77M
Capital Expenditures-1.46M-1.46M-2.88M-1.15M-2.30M-260.00K
Sale of Property, Plant and Equipment1.36M1.36M2.97M131.00K
Cash Acquisitions41.74M39.88M
Investment in Securities-105.72M-105.72M-27.34M87.66M-10.94M25.89M
Divestitures26.19M26.19M
Purchase / Sale of Intangibles-220.00K-2.29M
Net Decrease (Increase) in Loans Originated / Sold - Investing-298.08M-298.08M-91.43M-65.92M-206.41M-66.47M
Other Investing Activities-2.38M-2.38M-3.33M-3.54M-651.00K-4.22M
Investing Cash Flow-380.10M-380.10M-122.02M58.58M-222.59M-5.04M
Short-Term Debt Issued65.00M65.00M1.12M
Long-Term Debt Issued40.00M20.00M
Total Debt Issued65.00M65.00M40.00M21.12M
Short-Term Debt Repaid-65.64M
Long-Term Debt Repaid-14.34M
Total Debt Repaid-65.64M-14.34M
Net Debt Issued (Repaid)65.00M65.00M40.00M-65.64M21.12M-14.34M
Issuance of Common Stock288.00K288.00K166.00K10.28M34.77M120.00K
Common Dividends Paid-11.16M-11.16M-11.11M-4.87M-3.33M-1.46M
Net Increase (Decrease) in Deposit Accounts186.90M186.90M153.43M51.83M175.11M5.38M
Financing Cash Flow241.03M241.03M182.49M-8.39M227.67M-10.30M
Net Cash Flow-113.81M-113.81M85.91M50.18M7.42M-10.57M
Free Cash Flow23.80M23.80M22.56M-1.16M40.00K4.51M
Free Cash Flow Margin20.17%20.17%20.79%-3.81%0.11%25.65%
Free Cash Flow Per Share0.640.640.61-0.070.000.62
Cash Interest Paid60.26M60.26M58.43M27.87M6.58M2.52M
Cash Income Tax Paid13.27M13.27M10.18M395.00K560.00K

Ratios

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Market Capitalization325.59M309.40M279.53M294.22M139.69M119.74M
Last Close Price8.698.197.127.258.1110.27
PE Ratio9.669.2310.6624.95414.31
PS Ratio2.762.622.589.654.036.80
PB Ratio1.061.011.001.111.011.09
P/FCF Ratio13.6813.0012.393,492.1426.53
P/OCF Ratio12.8912.2510.9959.5925.08
Debt / Equity Ratio0.630.630.460.330.520.41
Debt / FCF Ratio8.108.105.681,791.0310.01
Net Debt / Equity Ratio0.450.45-0.140.030.260.09
Net Debt / FCF Ratio5.845.84-1.68-6.44900.172.17
Return on Equity (ROE)11.42%11.42%9.60%-5.92%4.51%0.36%
Return on Assets (ROA)1.13%1.13%0.95%-0.62%0.53%0.04%
Earnings Yield10.29%10.83%9.38%-4.07%4.01%0.24%
FCF Yield7.31%7.69%8.07%-0.40%0.03%3.77%
Dividend Yield3.45%3.63%4.01%3.81%3.21%1.68%
Payout Ratio33.33%33.30%42.37%59.56%505.88%
Buyback Yield / Dilution-0.57%-0.57%-109.00%-56.97%-55.99%-27.39%
Total Shareholder Return2.89%3.07%-104.99%-53.16%-52.79%-25.70%