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60

LNKB

๐Ÿฆ Financial Services

LINKBANCORP, Inc.

Conservative #353Aggressive #725Low Risk
$9.05+0.67%
Day High$9.10
Day Low$8.88
Volume0.1M
Mkt Cap$339M
52W Low $652W High $10
Market Cap
$340M
P/E Ratio
10.3
Sector avg: 26.8
Rev Growth
4.7%
Sector avg: 13.4%
Earnings Growth
27.9%
Profit Margin
19.1%
Sector avg: -2.8%
Debt/Equity
0.43

Why This Score

LNKB scores 60.2 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Attractively valued at 10.3x earnings, below the market average.
  • Low volatility (5.9% annualized) โ€” well-suited for risk-averse portfolios.
  • Positive but moderate momentum (26%) โ€” steady appreciation without overheating.
  • High conviction (100/100) โ€” fundamental and ML signals agree on this stock.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 15-point penalty for execution risk.

Net penalties of -15.0 points significantly impact the ranking. Without these adjustments, LNKB would rank considerably higher.

Score Breakdown

Overall Score60.2
Fundamental Score70.3
ML Score75.0

Score by Horizon

3 Month
75.6
6 Month
84.5
Primary
1 Year
89.0

Quality Assessment

C
Quality Grade
Average quality โ€” moderate profitability or leverage

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
54
Neutral
Analyst (6.4%)
56
Neutral
Tradability (post-hoc)
39
Grade Dlow volume, low dollar volume
Base
56.2
SHAP
+2.1
Factors
+0.5
Conviction
+1.5
Final
60.2
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

69AVG
Value86
Quality45
Growth66
Stability88
Investment61

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)69.0
Technical (Momentum, Weinstein, Volatility)86.0
External (Sentiment, Analyst, Macro)78.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+1.8% to +6.4%
Medium-term
+3.6% to +10.7%
Long-term
+5.4% to +15.0%

ML Model Core Features100 trained inputs โ†’ ML Score: 75

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score56.3/100
Target Upside+8.9%
Coverage4 analysts
Market Sentiment
Sentiment Score54.4/100
News Volume1 articles
Technical Stage
Weinstein Stage2 โ€” Advancing
12M Momentum+0.3%
6M Momentum+0.3%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration-3.1%
Momentum ConsistencyStrong (0.89)
Relative Strength vs Sector+17.2%
Trend Strength (ADX Proxy)Strong (4.4)
Momentum Quality+0.245
Momentum BreadthBroad โœ“
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
31%
High risk โ€” cheap + stagnating
Sector RevGr Rank
P51
Revenue growth vs Financial Services peers
Sector PE Rank
P82
Valuation vs Financial Services peers
Sector FCF Rank
P78
Free cash flow vs Financial Services peers
Growth Deviation
+0.0ฯƒ
Z-score vs sector median
Stagnation Flag
NO
Not flagged
Value trap warning: This stock scores in the top quartile for value trap risk. The combination of below-sector-median revenue growth, low PE, and high free cash flow yield suggests the market is pricing in stagnation. The ML model's sector-relative features (trained on 30 years of data) reduce this stock's score accordingly.

Analysis Signals

Scoring Factors
Fundamental score of 70 relative to sector peers70/100
Machine learning ensemble ranks this stock at the 75th percentileP75
Blended score: 80% fundamental (70) + 20% ML (75) = 71.271.2
Risk assessment: low. Low vol 0.1%; Drawdown 6% โ†’ 0.0ptLow
Earnings quality grade C: mixed earnings quality, some red flags. Score adjusted by 0 pointsGrade C
SHAP feature alignment: +2.1pt (features align with model priorities)SHAP
Conviction adj: +1.5pt (conviction=N/A)Conviction
Risk Factors
Liquidity penalty: -15.0pt (grade D)Liquidity

Sector Peer Comparison(Financial Services โ€” Rank #121 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
LNKB60.210.34.7%19.1%$340M
CME86.427.29.9%57.5%$112.1B
FHB84.911.83.2%24.2%$3.2B
ACT84.58.92.4%54.6%$6.1B
CINF84.210.711.4%18.9%$25.8B
SEIC82.214.010.7%27.3%$10.1B
TROW79.910.13.1%28.5%$21.1B
QQQX79.710.448.6%257.3%$1.4B
IBOC78.210.67.5%40.1%$4.4B
HWC77.812.2-1.5%24.1%$5.8B
FFIN77.518.811.7%30.7%$4.8B
TRMK77.111.934.8%19.3%$2.7B
NMIH77.17.78.4%55.1%$3.1B
EWBC76.712.74.6%28.3%$16.0B
WSFS76.312.8-3.1%21.1%$3.6B
MCHB76.1N/A123.7%23.2%$3.3B
Sector Average47.526.813.4%-2.8%โ€”

Market Sentimentvia FMP

Analyst Consensus
Hold4 analysts
Buy: 1Hold: 3
Price Target
$10consensus
Low $9Median $10High $10
+6.4% to consensus target

Company Overviewvia FMP

LINKBANCORP, Inc. operates as a bank holding company for The Gratz Bank, a full-service state chartered commercial bank in Pennsylvania. The company's deposit products include checking accounts, saving accounts, money market accounts, and certificates of deposits. The company's loan portfolio comprises small business, real estate, agricultural, home equity, consumer lending, commercial, municipal, term, lines of credit, auto, and home mortgage and construction loans. It also provides debit cards, mobile banking, card valet app, e-statements, ATMs, online banking and bill pay, and other services. The company operates through a main office located in Gratz, Pennsylvania, as well as bank offices located in Camp Hill, Gratz, Valley View, Harrisburg, Herndon, Lancaster, Pottsville, Trevorton, West Chester, and Minersville. Pennsylvania. LINKBANCORP, Inc. was incorporated in 2018 and is based in Camp Hill, Pennsylvania.

CEO
Andrew S. Samuel
Employees
298
Beta
0.57
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
45.0
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-5.6%
High: $9.59
From 52W Low
+48.6%
Low: $6.09
Moving Averages
10-Day
$9.10
Below
20-Day
$9.10
Below
50-Day
$8.70
Above
200-Day
$7.60
Above
60-Day Support
$7.58
60-Day Resistance
$9.59
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 โ€” AdvancingScore: 63/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+19.1%
200 SMA Slope (60d)
+7.01%
Rising
Volume Ratio
0.64x
10d avg vs 50d avg
Days in Stage
77
Confidence: 90%
Key Reversal Detected (2026-02-18)

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$46M$45M$42M$42M
Gross Profit$23M$28M$28M$28M
Operating Income$4M$10M$9M$19M
Net Income$3M$8M$7M$15M
EPS (Diluted)$0.08$0.21$0.20$0.41
Gross Margin51.0%62.9%65.2%65.6%
Operating Margin8.5%22.3%22.4%45.4%
Net Margin6.4%17.5%17.5%36.3%

Why This Stock

Financial ServicesP/E ratio of 10.3Profit margin 19.1%Valuation below sector median (P/E 10.3)

Tradability FilterGrade D โ€” 39/100Score impact: -8.0pt

Low Tradability Warning

This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor โ€” it is a practical tradability overlay).

Volume
49
198K avg/day
Dollar Vol
9
$2M/day
Float
54
24M shares
Mkt Cap
13
$340M
Range
89
57% spread
Composite Liquidity Score39/100
FDCBA
low volumelow dollar volumesmall cap

Multi-Year Range Analysis

Sideways: 0/100
YearLowHighRangeStatus
2021$11.03$19.0053.1%Wide
2022$7.10$11.9550.9%Wide
2023$4.80$9.4064.8%Wide
2024$5.86$8.2934.3%Moderate
2025$6.09$9.0439%Wide
3-Year Range
64.8%
Narrow Years
0 / 5
Sideways Penalty
None
Free Float
65.1%
Outstanding Shares
37M
Bid-Ask Spread
57.0%
Institutional Tradable
No

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.