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Definitive Analysis

Financial Statements

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Ticker

Industry

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Page: Company Financials

LINKBANCORP, Inc.

Ticker: LNKB | Industry: Banks - Regional | Sector: Financial Services
$8.60 -0.38 (-4.23%)
As of: 2026-01-23

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Enterprise Value

Metric MRQ MRQ-1 2025 2024 2023 2022 2021 2020
Stock Price 7.13 7.31 7.07 6.80 6.85 9.34 12.44 10.82
Market Capitalization 265.18M 271.47M 262.74M 251.45M 123.49M 105.21M 85.35M 55.27M
(-) Cash & Equivalents 15.32M 15.32M 83.61M 177.82M 81.14M 78.71M 45.87M 12.55M
(+) Total Debt 118.22M 118.02M 118.07M 120.04M 112.58M 59.86M 42.63M 0.37M
Enterprise Value 368.08M 374.17M 297.20M 193.68M 154.92M 86.36M 82.11M 43.09M

Income Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenue 172M 149M 168M 66M 43M 21M 16M
Cost of Revenue 61M 63M 59M 36M 9M 3M 3M
Gross Profit 112M 86M 108M 31M 35M 18M 13M
Gross Profit Margin 64.7% 57.8% 64.7% 46.0% 80.2% 85.3% 81.9%
R&D Expenses 0M 0M 0M 0M 0M 0M 0M
SG&A Expenses 45M 42M 44M 22M 17M 7M 5M
Operating Expenses 63M 79M 75M 46M 28M 17M 8M
Operating Income (EBIT) 48M 7M 34M -15M 7M 0M 5M
Operating Income Margin 28.1% 4.9% 20.0% -23.1% 15.8% 0.5% 30.2%
Interest Income 162M 142M 159M 65M 40M 18M 14M
Interest Expense 59M 53M 59M 26M 7M 2M 3M
Net Interest Income 103M 89M 100M 39M 33M 16M 12M
Unusual Items -103M -89M -100M -39M -33M -16M -12M
EBT Excluding Unusual Items 151M 96M 133M 23M 40M 16M 16M
Pre-Tax Income 48M 7M 34M -15M 7M 0M 5M
Pre-Tax Margin 28.1% 4.9% 20.0% -23.1% 15.8% 0.5% 30.2%
Income Tax Expense 10M 2M 7M -3M 1M 0M 1M
Net Income 38M 6M 26M -12M 6M 0M 4M
Net Income Margin 22.1% 3.8% 15.6% -18.1% 13.0% 1.4% 26.1%
Depreciation & Amortization 6M 6M 7M 2M 1M 0M 0M
EBITDA 54M 13M 40M -14M 8M 1M 5M
EBITDA Margin 31.6% 8.8% 24.0% -20.4% 18.3% 2.8% 32.1%
NOPAT 38M 6M 26M -12M 6M 0M 4M
NOPAT Margin 22.1% 3.8% 15.6% -18.3% 13.0% 1.4% 26.1%
Owner's Earnings 42M 9M 30M -12M 2M 1M 4M
Owner's Earnings Margin 24.3% 6.3% 17.9% -17.4% 4.9% 2.5% 27.4%
EPS (Basic) 1.02 -0.07 0.71 -0.67 0.49 0.04 0.74
EPS (Diluted) 1.02 0.17 0.71 -0.67 0.49 0.04 0.74
Shares (Basic) 37M 33M 37M 18M 11M 7M 6M
Shares (Diluted) 37M 34M 37M 18M 11M 7M 6M

Balance Sheet

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash & Cash Equivalents 194.15M 155.08M 166.10M 80.19M 35.63M 35.42M 50.21M
Short-Term Investments 209.58M 0.22M 0.66M 115.49M 78.81M 103.78M 125.45M
Cash & Short-Term Investments 403.73M 155.31M 166.76M 195.68M 114.45M 139.20M 175.66M
Net Receivables 0.00M 0.00M 0.00M 0.00M 12.08M 5.41M 1.56M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Current Assets 403.73M 155.31M 166.76M 195.68M 126.53M 144.61M 177.22M
Property, Plant & Equipment 31.45M 31.27M 32.94M 35.63M 16.96M 9.97M 3.80M
Goodwill 58.81M 58.81M 58.81M 56.97M 35.84M 35.84M 2.33M
Intangible Assets 16.41M 17.49M 20.96M 25.73M 1.05M 1.31M 0.18M
Long-Term Investments 2,516.58M 2,528.11M 2,499.90M 2,256.24M 955.03M 715.52M 234.81M
Tax Assets 15.00M 16.47M 18.87M 24.15M 5.62M 4.04M 0.00M
Other Non-Current Assets 80.39M 79.09M 80.55M 74.93M 22.62M 21.47M 11.21M
Other Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Assets 2,718.64M 2,731.25M 2,712.02M 2,473.65M 1,037.12M 788.16M 252.33M
Total Assets 3,122.37M 2,886.55M 2,878.78M 2,669.33M 1,163.65M 932.76M 429.54M
Accounts Payable 0.00M 0.00M 0.00M 0.00M 6.69M 6.29M 2.23M
Short-Term Debt 0.00M 0.00M 10.00M 10.00M 20.94M 0.00M 0.00M
Tax Payables 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Liabilities 2,668.10M 2,456.41M 2,360.58M 2,198.80M 946.77M 771.67M 375.12M
Total Current Liabilities 2,668.10M 2,456.41M 2,370.58M 2,208.80M 974.40M 777.95M 377.36M
Long-Term Debt 102.26M 102.28M 102.55M 62.03M 40.48M 20.70M 1.12M
Capital Lease Obligations 15.97M 15.74M 15.67M 16.36M 10.22M 4.68M 0.37M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.02M
Other Non-Current Liabilities 30.60M 14.13M 109.76M 116.34M -10.22M 19.81M 0.00M
Total Non-Current Liabilities 148.82M 132.15M 227.98M 194.73M 40.48M 45.19M 1.51M
Total Liabilities 2,816.91M 2,588.56M 2,598.56M 2,403.53M 1,014.88M 823.14M 378.87M
Preferred Stock 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Stock 0.37M 0.37M 0.37M 0.37M 0.15M 0.10M 0.06M
Retained Earnings 42.16M 37.11M 19.95M 4.84M 27.10M 24.84M 26.01M
Accumulated OCI -2.71M -4.77M -4.55M -3.21M -6.41M 1.78M 3.19M
Minority Interest 0.00M 0.00M 0.00M 0.48M 0.00M 0.00M 0.00M
Total Shareholders’ Equity 39.82M 32.71M 15.77M 2.00M 20.84M 26.71M 29.26M
Total Equity 39.82M 32.71M 15.77M 2.49M 20.84M 26.71M 29.26M
Total Liabilities & Equity 2,856.73M 2,621.26M 2,614.33M 2,406.02M 1,035.73M 849.85M 408.13M
Tangible Assets 3,047.16M 2,810.26M 2,799.02M 2,586.62M 1,126.76M 895.61M 427.03M
Tangible Equity -35.39M -43.59M -63.99M -80.22M -16.05M -10.44M 26.75M
Tangible Book Value -35.39M -43.59M -63.99M -80.22M -16.05M -10.44M 26.75M
Total Investments 2,726.16M 2,528.34M 2,500.56M 2,371.73M 1,033.84M 819.31M 360.26M
Net Debt -91.90M -52.80M -53.55M -8.16M 25.79M -14.72M -49.09M

Capital Metrics

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Working Capital -2,264.4M -2,301.1M -2,203.8M -2,013.1M -858.1M -638.0M -200.5M
Total Capital 423.7M 416.0M 408.4M 353.7M 220.4M 135.0M 52.2M
Capital Employed 454.3M 430.1M 508.2M 460.5M 179.0M 150.1M 51.8M
Invested Capital 229.5M 260.9M 242.3M 273.5M 184.8M 99.6M 2.0M

Cash Flow Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Net Income 38.15M 5.62M 26.21M -11.97M 5.60M 0.29M 4.19M
Depreciation & Amortization 6.06M 5.91M 6.67M 1.78M 1.11M 0.48M 0.31M
Deferred Income Tax 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Stock-Based Compensation 2.20M 1.76M 1.86M 1.05M 0.66M 0.29M 0.00M
Change in Working Capital 14.56M 3.23M 3.96M -1.46M -3.78M 1.17M -0.93M
Accounts Receivable 1.12M -1.07M 5.94M -3.80M -3.61M -0.17M -0.54M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Accounts Payable 13.44M 4.29M -1.98M 2.34M -0.18M 1.33M -0.38M
Other Working Capital 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Cash Items -22.70M -0.29M -13.26M 10.59M -1.24M 2.55M -0.45M
Net Cash from Operating Activities 38.28M 16.24M 25.44M -0.01M 2.34M 4.77M 3.13M
Capital Expenditures (PPE) -2.37M -1.88M -2.89M -1.15M -2.30M -0.26M -0.11M
Acquisitions (Net) 26.19M -0.48M -0.48M 41.75M 0.00M 39.89M 0.00M
Purchases of Investments -141.47M -50.38M -57.57M -21.05M -34.39M -14.19M -71.13M
Sales / Maturities of Investments 30.47M 114.34M 30.23M 103.09M 16.25M 35.86M 32.55M
Other Investing Activities -224.93M -38.75M -91.31M -64.05M -202.14M -66.34M -0.13M
Net Cash from Investing Activities -312.10M 22.85M -122.02M 58.58M -222.59M -5.05M -38.82M
Net Debt Issuance 0.00M -29.70M 40.00M -65.64M 21.12M -14.34M -1.64M
Long-Term Debt Issuance 0.00M 40.00M 40.00M 0.00M 20.00M -14.34M -1.64M
Short-Term Debt Issuance 0.00M -69.70M 0.00M -65.64M 1.12M 0.00M 0.00M
Net Stock Issuance 0.20M 0.25M 0.15M 10.13M 34.65M 0.00M 0.00M
Common Stock Issuance 0.20M 0.25M 0.15M 10.13M 34.65M 0.12M 0.00M
Common Stock Repurchased 0.00M 0.00M 0.00M 0.00M 0.00M -0.12M 0.00M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Dividends Paid -11.14M -9.54M -11.11M -4.87M -3.33M -1.46M -1.43M
Common Dividends Paid -11.14M -9.54M -11.11M -4.87M -3.33M -1.46M -1.43M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Financing Activities 287.69M 123.16M 153.44M 51.98M 175.23M 5.50M 44.22M
Net Cash from Financing Activities 276.75M 84.17M 182.49M -8.39M 227.67M -10.30M 41.15M
Effect of FX on Cash 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Change in Cash 2.92M 123.25M 85.91M 50.18M 7.42M -10.57M 5.45M
Cash at Beginning of Period 732.60M 502.11M 80.19M 30.01M 22.59M 33.16M 27.71M
Cash at End of Period 735.52M 625.36M 166.10M 80.19M 30.01M 22.59M 33.16M
Operating Cash Flow 38.28M 16.24M 25.44M -0.01M 2.34M 4.77M 3.13M
Capital Expenditure -2.37M -2.10M -2.89M -1.37M -4.60M -0.26M -0.11M
Free Cash Flow 35.90M 14.14M 22.56M -1.38M -2.25M 4.51M 3.02M

Free Cash Flow

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
EBITDA 72.66M 50.33M 71.08M 10.53M 18.90M 10.85M 8.84M
(-) Tax Adjustment 15.38M 11.30M 15.63M 2.31M 3.39M 0.00M 1.18M
(-) Change In Working Capital 14.56M 3.23M 3.96M -1.46M -3.78M 1.17M -0.93M
(-) Capital Expenditure -2.37M -2.10M -2.89M -1.37M -4.60M -0.26M -0.11M
Unlevered Free Cash Flow 40.35M 33.71M 48.60M 8.31M 14.70M 9.42M 8.47M
(-) Net Interest Income After Taxes 80.97M 68.76M 77.93M 30.22M 27.07M 16.11M 10.03M
Net Debt Issuance 0.00M -29.70M 40.00M -65.64M 21.12M -14.34M -1.64M
Levered Free Cash Flow -40.62M -64.76M 10.67M -87.56M 8.74M -21.03M -3.19M