LINKBANCORP (LNKB) closed out FY 2025 with fourth quarter revenue of US$23.45 million and basic EPS of US$0.08, while trailing twelve month revenue came in at US$118.04 million and EPS at US$0.90, alongside very large year over year earnings growth and a higher net profit margin of 31.1% versus 6.5% a year earlier. Over the last few quarters the company has seen revenue move from US$28.01 million and EPS of US$0.20 in Q4 2024 to a range of US$23.45 million to US$38.86 million and EPS between US$0.08 and US$0.41 through 2025. This sets up a picture where stronger recent profitability metrics are now being weighed against more modest forward growth expectations and what they might mean for margins ahead.

See our full analysis for LINKBANCORP.

With the headline numbers on the table, the next step is to see how these results line up with the most widely held narratives around LINKBANCORP and where the fresh data starts to challenge those stories.

31.1% net margin changes the earnings picture

• Over the last 12 months LINKBANCORP earned US$33.5 million of net income on US$118.0 million of revenue, which works out to a 31.1% net margin compared with 6.5% a year earlier.
• What stands out for a bullish view is that very large year over year earnings growth sits alongside this higher margin. However, quarterly net income in FY 2025 moved in a wide band from US$2.9 million in Q4 to US$15.3 million in Q1, so anyone leaning bullish has to reconcile that strong full year margin with how uneven profit was across individual quarters.
  • Supporters of the bullish case can point to trailing twelve month EPS of US$0.90 versus US$0.71 a year earlier and net income of US$33.5 million versus US$26.2 million, all while the net margin stepped up to 31.1%.
  • At the same time, the Q4 FY 2025 basic EPS of US$0.08 and revenue of US$23.45 million sit at the lower end of this year’s quarterly range. This means the strong trailing margin story relies heavily on earlier quarters to carry the average.

In a year where profits look much stronger on paper, many investors will want to see how much of that strength is repeatable before they lean too far into a bullish narrative. 📊 Read the full LINKBANCORP Consensus Narrative.

Loan book grows while non performing loans fluctuate

• Total loans in the quarterly data moved from US$2,215.2 million in Q3 2024 to US$2,456.4 million in Q3 2025, while reported non performing loans over that span moved between US$17.2 million and US$26.0 million and were US$24.6 million in Q3 2025.
• Bears often focus on credit quality, and the figures give them specific questions to ask. Loan balances in FY 2025 rose into the mid US$2.4b range while non performing loans in the trailing twelve month snapshots ranged from US$17.2 million to US$26.0 million, so anyone with a bearish tilt can frame their concern around how that level of problem loans fits against the larger book rather than assuming the issue is either minimal or severe without running the ratios themselves.
  • Critics highlight that non performing loans were US$17.2 million in Q4 2024 and US$24.6 million in Q3 2025, so they may watch how that figure tracks against total loans of US$2,255.1 million and US$2,456.4 million over the same points in time.
  • On the other hand, quarterly net income excluding extra items stayed in the US$7.1 million to US$7.8 million range in Q3 and Q4 2024 and Q2 and Q3 2025 even while non performing loans moved around, so bears have to weigh those credit concerns against the fact that profitability stayed positive in those periods.

P/E of 8.4x and modest 3.6% earnings growth outlook

• LINKBANCORP trades on a trailing P/E of 8.4x, which sits below the US banks industry average of 11.8x, below the peer average of 11.5x and below the broader US market multiple of 19.3x, while analyst data points to expected earnings growth of about 3.6% per year that is lower than the referenced US market growth rate of 16.1%.
• Supporters of a bullish stance often argue that a lower P/E together with stronger trailing earnings gives room for upside. The data here create a more nuanced picture, because the low 8.4x multiple is paired with slower forecast earnings growth of 3.6% per year and revenue growth of 6.5% per year, which both sit below the market figures cited, so the bullish claim that a simple re rating solves everything is tested directly by those more modest forward growth numbers.
  • What is helpful for bulls is that the low P/E is anchored in a period where earnings growth was very large year on year and the net margin was 31 Next Steps

    Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on LINKBANCORP's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move.

    See What Else Is Out There

    Despite strong full-year margin figures, LINKBANCORP’s uneven quarterly profits and relatively modest forecast earnings and revenue growth make the longer-term earnings path appear less predictable.

    If you would rather focus on companies with more consistent performance, check out our stable growth stocks screener (2179 results) to quickly find steadier revenue and earnings profiles today.

    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.