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Upturn AI SWOT - About
LNKB 
LINKBANCORP Inc (LNKB)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -11.27% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 252.25M USD | Price to earnings Ratio 9.51 | 1Y Target Price 8.33 |
Price to earnings Ratio 9.51 | 1Y Target Price 8.33 | ||
Volume (30-day avg) 50001 | Beta 0.57 | 52 Weeks Range 5.68 - 7.90 | Updated Date 04/2/2025 |
52 Weeks Range 5.68 - 7.90 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 4.42% | Basic EPS (TTM) 0.71 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.16% | Operating Margin (TTM) 41.45% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 9.6% |
Valuation
Trailing PE 9.51 | Forward PE - | Enterprise Value 214368688 | Price to Sales(TTM) 2.32 |
Enterprise Value 214368688 | Price to Sales(TTM) 2.32 | ||
Enterprise Value to Revenue 3.51 | Enterprise Value to EBITDA - | Shares Outstanding 37370900 | Shares Floating 21062623 |
Shares Outstanding 37370900 | Shares Floating 21062623 | ||
Percent Insiders 33.32 | Percent Institutions 34.4 |
Analyst Ratings
Rating 3.67 | Target Price 8.33 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
LINKBANCORP Inc
Company Overview
History and Background
LINKBANCORP, Inc. was formed in 2018 and became the parent company of LINKBANK in 2019. It focuses on community banking in Pennsylvania and Maryland, emphasizing personalized service and local decision-making. LINKBANCORP has grown through strategic acquisitions and organic growth, expanding its reach and service offerings.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of all sizes.
- Retail Banking: Offers personal checking and savings accounts, mortgage loans, and other financial products to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Andrew Samuel serves as the CEO of LINKBANCORP, Inc. The company has a board of directors responsible for overall governance and strategic direction. The organizational structure includes various departments, such as lending, operations, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, lines of credit, and real estate financing. No specific market share data is available; competes with regional and national banks. Competitors: PNC, Fulton Financial.
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. No specific market share data is available; competes with mortgage lenders and banks. Competitors: Wells Fargo, Rocket Mortgage.
- Deposit Accounts: Includes checking, savings, and money market accounts. No specific market share data is available; competes with other banks and credit unions. Competitors: Bank of America, Santander.
Market Dynamics
Industry Overview
The banking industry is undergoing significant changes, including increased regulation, technological advancements, and growing competition from non-bank financial institutions.
Positioning
LINKBANCORP positions itself as a community-focused bank with a strong commitment to customer service and local decision-making. Its competitive advantages include its personalized approach and deep understanding of the local markets it serves.
Total Addressable Market (TAM)
The TAM for community banking in Pennsylvania and Maryland is estimated to be in the billions of dollars. LINKBANCORP is positioned to capture a share of this market through its focus on relationship banking and local expertise.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Focus on customer service
- Solid asset quality
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic footprint
- Reliance on traditional banking model
- Vulnerable to interest rate fluctuations
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisitions of smaller banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- PNC
- Fulton Financial
- Bank of America
- Santander
Competitive Landscape
LINKBANCORP competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantages include its focus on customer service and local decision-making. Its disadvantages include its smaller scale and limited geographic footprint.
Major Acquisitions
Gratus Capital
- Year: 2022
- Acquisition Price (USD millions): 3
- Strategic Rationale: Expanded wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: LINKBANCORP's historical growth has been driven by organic growth and strategic acquisitions. The company has expanded its loan portfolio and deposit base over time.
Future Projections: Future growth is expected to be driven by further expansion into new markets, increased adoption of digital banking technologies, and growth in its wealth management business. Analyst estimates vary, but generally project continued growth in revenue and earnings.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion into new markets, and strategic acquisitions to enhance its service offerings.
Summary
LINKBANCORP is a community-focused bank with potential for growth, driven by its local presence and customer service. Its smaller size and limited footprint present challenges. Growth opportunities lie in digital banking, wealth management, and strategic acquisitions, while threats include larger competitors and economic conditions. The company's recent initiatives reflect a proactive approach to navigating the changing banking landscape.
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FFWM
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FULT
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FULT
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PBHC
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PBHC
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UCBI
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate. The AI-based rating is subjective and should be used in conjunction with other research and analysis. Financial data is from limited sources. Past performance is not indicative of future results.
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 The Gratz Bank, that provides various banking products and services in Pennsylvania. Its deposit products include noninterest-bearing and interest-bearing demand, saving, and money market deposits, time and brokered time deposits, as well as certificates of deposits. 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 incorporated in 2018 and is headquartered in Camp Hill, Pennsylvania.
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