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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1522
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$267M
Andrew S. Samuel
LINKBANCORP, Inc. operates as the bank holding company for LINKBANK that provides personal and business banking products and services in Pennsylvania. The company offers checking and savings accounts; small business, term, auto, and real estate loans, as well as lines of credit; and treasury management services such as, remote deposit capture, ACH collection and disbursement, merchant, and wire transfer. It also provides convenience services, including ATMs, debit cards, online and mobile banking, bill pay, card valet, and e-statements. The company was founded in 2018 and is based in Camp Hill, Pennsylvania.
Headcount
110
HQ Base
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = LNKB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$LNKB LINKBANCORP, Inc. | 53 | 31 | 45 | 77 | 9.2x | 9.4x | 12.3% | 1.2% | 0.0% | 25.9% | 20.3% | 13.6% | 4.2% | 33.0x | $267M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
LINKBANCORP, Inc. (LNKB) receives a "Hold" rating with a composite score of 53.0/100. It ranks #1522 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Pending Verification
Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for LNKB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 31 | 44 | -13DRAG |
| MOMENTUM | 77 | 85 | -8DRAG |
| VALUATION | 45 | 54 | -9DRAG |
| INVESTMENT | 46 | 89 | -43DRAG |
| STABILITY | 51 | 52 | -1NEUTRAL |
| SHORT INT | 62 | 76 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 9.1% vs WACC 10.3% (spread -1.2%)
GM 0% vs sector 78%, OM 26% vs sector 18%
Capital turnover 0.52x
Rev growth 14%, 5yr history
Interest coverage 0.6x, Net debt/EBITDA 8.7x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate LINKBANCORP, Inc. (LNKB) as a Hold with a composite score of 53.0/100 at a current price of $8.81. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
LINKBANCORP, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 53.0/100 places it at rank #1522 in our full universe.
The near-term outlook is constructive, with revenue growing at 14% and momentum in the 77th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Low
Standard
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
LINKBANCORP, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns LINKBANCORP, Inc. a Hold rating, with a composite score of 53.0/100 and 3 out of 5 stars. Ranked #1522 of 7,333 stocks, LNKB presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
LNKB's quality score of 31/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 12.3% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 20.3% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 45/100, LNKB appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 9.20x, an EV/EBITDA of 9.38x, a P/B ratio of 1.13x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 46/100, LNKB exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 13.6% vs. a sector average of 10.7% and a return on assets of 1.2% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
LNKB shows strong momentum characteristics with a score of 77/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 13.6% year-over-year, while a beta of 0.74 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
With a stability score of 51/100, LNKB exhibits average financial resilience. Key stability metrics include a beta of 0.74 and a debt-to-equity ratio of 33.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
LNKB carries a short interest score of 62/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 33.00x), micro-cap liquidity risk. At $267M market cap (micro-cap), LINKBANCORP, Inc. offers reasonable institutional liquidity.
LINKBANCORP, Inc. offers an attractive dividend yield of 4.2%, placing it among the higher-yielding stocks in its peer group. This compares to a sector average dividend yield of 2.0%. A yield this high can provide meaningful income, but investors should verify the payout is sustainable by examining the payout ratio, free cash flow coverage, and any history of dividend cuts.
LINKBANCORP, Inc. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1522 of 7,333 overall (79th percentile). Key comparisons include ROE of 12.3% exceeding the 9.0% sector median and operating margins of 25.9% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While LNKB currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (77) vs Quality (31) — closing this gap could shift the rating.
EV/EBITDA 21% ABOVE SECTOR MEDIAN
ROE 37% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081

Monteverde & Associates PC, a class action securities firm, is investigating four merger and acquisition transactions: Burke & Herbert Financial's merger with Linkbancorp, Sealed Air's sale to Clayton, Dubilier & Rice, and First Foundation's sale to FirstSun Capital Bancorp. The firm is seeking shareholders who may have concerns about these deals, with First Foundation's shareholder vote scheduled for February 27, 2026.
LINKBANCORP, Inc. (NASDAQ: LNKB) (the "Company"), the parent company of LINKBANK (the "Bank"), reported net income of $2.9 million, or $0.08 per diluted share, for the quarter ended December 31, 2025, compared to net income of $7.8 million, or $0.21 per diluted share, for the quarter ended September 30, 2025. Excluding expenses associated with the pending merger with Burke & Herbert Financial Services Corp. ("Burke & Herbert") and other non-core expenses, adjusted pre-tax, pre-provision net inco
LINKBANCORP, Inc. (LNKB) delivered earnings and revenue surprises of -55.56% and +0.05%, respectively, for the quarter ended December 2025. Do the numbers hold clues to what lies ahead for the stock?
LINKBANCORP (LNKB) declares $0.075/share quarterly dividend, in line with previous.

LINKBANCORP, Inc. (LNKB) delivered earnings and revenue surprises of -15.79% and 2.12%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?