Estados financieros detallados de LINKBANCORP, Inc. (LNKB): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
LINKBANCORP, Inc. registró ingresos de $175.4M en el último ejercicio fiscal, con un CAGR de 5 años del 61.3%. El beneficio neto alcanzó $33.5M, con un CAGR a 5 años del 51.5%.
Márgenes de los últimos 12 meses: margen bruto 61.0%, margen operativo 24.3%, margen neto 19.1%. El flujo de caja libre creció a un CAGR del 51.1% en 5 años.
Al precio actual de $8.69, LNKB cotiza a un P/E de 9.67 y un ROE del 11.13%. La capitalización bursátil es de $326M.
Cuenta de Resultados (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $16.0M | $20.6M | $43.2M | $66.3M | $167.6M | $175.4M |
| Coste de Ventas | $2.9M | $3.0M | $8.6M | $35.8M | $59.1M | $68.5M |
| Beneficio Bruto | $13.1M | $17.6M | $34.7M | $30.5M | $108.5M | $106.9M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $4.6M | $7.2M | $16.9M | $21.8M | $44.1M | $45.4M |
| Gastos Operativos | $8.3M | $17.5M | $27.8M | $45.8M | $74.9M | $64.3M |
| Beneficio Operativo | $4.8M | $100000 | $6.8M | -$15.3M | $33.6M | $42.6M |
| EBITDA | $5.1M | $580000 | $7.9M | -$13.5M | $40.3M | $44.3M |
| Gastos por Intereses | $2.7M | $2.4M | $7.3M | $26.5M | $58.8M | $60.3M |
| Beneficio Antes de Impuestos | $4.8M | $100000 | $6.8M | -$15.3M | $33.6M | $42.6M |
| Impuestos | $645000 | -$189000 | $1.2M | -$3.4M | $7.4M | $9.1M |
| Beneficio Neto | $4.2M | $289000 | $5.6M | -$12.0M | $26.2M | $33.5M |
| BPA | $0.74 | $0.04 | $0.49 | $-0.67 | $0.71 | $0.90 |
| BPA Diluido | $0.74 | $0.04 | $0.49 | $-0.67 | $0.71 | $0.90 |
| Acciones en Circulación (Diluidas) | $5.7M | $7.3M | $11.3M | $17.8M | $37.1M | $37.4M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q1 | 2025-Q2 | 2025-Q3 | 2025-Q4 |
|---|
| Ingresos | $42.3M | $42.3M | $44.8M | $46.0M |
| Beneficio Bruto | $27.8M | $27.5M | $28.2M | $23.4M |
| Beneficio Operativo | $19.2M | $9.5M | $10.0M | $3.9M |
| EBITDA | $20.7M | $11.0M | $11.5M | $5.4M |
| Beneficio Neto | $15.3M | $7.4M | $7.8M | $2.9M |
| BPA | $0.41 | $0.20 | $0.21 | $0.08 |
| BPA Diluido | $0.41 | $0.20 | $0.21 | $0.08 |
Balance (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $50.2M | $35.4M | $35.6M | $80.2M | $166.1M | $15.5M |
| Inversiones a Corto | $125.4M | $103.8M | $78.8M | $115.5M | $655000 | $262.6M |
| Cuentas por Cobrar | $1.6M | $5.4M | $12.1M | 0 | 0 | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $177.2M | $144.6M | $126.5M | $195.7M | $166.8M | $278.1M |
| Inmovilizado Material | $3.8M | $10.0M | $17.0M | $35.6M | $32.9M | $31.2M |
| Fondo de Comercio | $2.3M | $35.8M | $35.8M | $57.0M | $58.8M | $74.2M |
| Activos Intangibles | $177000 | $1.3M | $1.1M | $25.7M | $21.0M | 0 |
| Activos Totales | $429.5M | $932.8M | $1.16B | $2.67B | $2.88B | $3.07B |
| Cuentas por Pagar | $2.2M | $6.3M | $6.7M | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | $20.9M | $10.0M | $10.0M | 0 |
| Pasivos Corrientes | $377.7M | $782.6M | $984.6M | $2.21B | $2.37B | $2.55B |
| Deuda a Largo | $1.1M | $20.7M | $40.5M | $62.0M | $102.5M | $115.0M |
| Pasivos Totales | $378.9M | $823.1M | $1.03B | $2.40B | $2.60B | $2.76B |
| Reservas | $26.0M | $24.8M | $27.1M | $4.8M | $19.9M | $42.3M |
| Patrimonio Neto | $50.7M | $109.6M | $138.6M | $265.3M | $280.2M | $306.4M |
| Deuda Total | $1.5M | $25.4M | $81.9M | $88.4M | $128.2M | $130.6M |
| Deuda Neta | -$174.2M | -$113.8M | -$32.6M | -$107.3M | -$38.5M | -$147.5M |
| Capital Circulante | -$200.5M | -$638.0M | -$858.1M | -$2.01B | -$2.20B | -$2.28B |
Balance (Trimestral)
| Año | 2025-Q1 | 2025-Q2 | 2025-Q3 | 2025-Q4 |
|---|
| Caja y Equivalentes | $220.2M | $155.1M | $194.2M | $15.5M |
| Activos Totales | $2.86B | $2.89B | $3.12B | $3.07B |
| Pasivos Totales | $2.57B | $2.59B | $2.82B | $2.76B |
| Patrimonio Neto | $294.1M | $298.0M | $305.5M | $306.4M |
| Deuda Total | $118.0M | $118.0M | $118.2M | $130.6M |
Flujo de Caja (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $4.2M | $289000 | $5.6M | -$12.0M | $26.2M | $33.5M |
| Amortizaciones | $309000 | $480000 | $1.1M | $1.8M | $6.7M | $5.9M |
| Compensación en Acciones | 0 | $292000 | $656000 | $1.0M | $1.9M | $2.3M |
| Cambio en Capital Circulante | -$926000 | $1.2M | -$3.8M | -$1.5M | $4.0M | -$816000 |
| Flujo de Caja Operativo | $3.1M | $4.8M | $2.3M | -$10000 | $25.4M | $25.3M |
| Inversiones (CapEx) | -$109000 | -$260000 | -$4.6M | -$1.4M | -$2.9M | -$1.5M |
| Adquisiciones | 0 | $39.9M | 0 | $41.7M | -$483000 | $26.2M |
| Recompra de Acciones | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagados | -$1.4M | -$1.5M | -$3.3M | -$4.9M | -$11.1M | -$11.2M |
| Flujo de Caja Libre | $3.0M | $4.5M | -$2.3M | -$1.4M | $22.6M | $23.8M |
Flujo de Caja (Trimestral)
| Año | 2025-Q1 | 2025-Q2 | 2025-Q3 | 2025-Q4 |
|---|
| Flujo de Caja Operativo | $2.6M | $6.3M | $23.6M | -$7.2M |
| Inversiones (CapEx) | -$357000 | -$151000 | -$369000 | -$865000 |
| Flujo de Caja Libre | $2.2M | $6.1M | $23.2M | -$8.0M |
| Dividendos Pagados | -$2.8M | -$2.8M | -$2.8M | -$2.8M |
| Compensación en Acciones | $526000 | $586000 | $559000 | $630000 |
Crecimiento y Márgenes (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +28.6% | +109.5% | +53.4% | +152.8% | +4.7% |
| Crecimiento Beneficio Neto (anual) | | -93.1% | +1837.0% | -313.8% | +319.0% | +27.9% |
| Crecimiento BPA (anual) | | -94.3% | +1066.7% | -236.7% | +206.0% | +26.8% |
| Cambio en Acciones (anual) | | +27.4% | +56.0% | +57.0% | +109.0% | +0.8% |
| Crecimiento FCF (anual) | | +49.5% | -149.9% | +38.6% | +1731.0% | +5.5% |
| Margen Bruto | 81.9% | 85.3% | 80.2% | 46.0% | 64.7% | 61.0% |
| Margen Operativo | 30.2% | 0.5% | 15.8% | -23.1% | 20.0% | 24.3% |
| Margen EBITDA | 32.1% | 2.8% | 18.3% | -20.4% | 24.0% | 25.2% |
| Margen Neto | 26.1% | 1.4% | 13.0% | -18.1% | 15.6% | 19.1% |
| Margen FCF | 18.8% | 21.9% | -5.2% | -2.1% | 13.5% | 13.6% |
| Tasa Impositiva Efectiva | 13.3% | -189.0% | 17.9% | 21.9% | 22.0% | 21.3% |
Datos por Acción (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.53 | $0.62 | $-0.20 | $-0.08 | $0.61 | $0.64 |
| Dividendo por Acción | $0.25 | $0.20 | $0.29 | $0.27 | $0.30 | $0.30 |
| Acciones en Circulación (Básicas) | $5.7M | $6.9M | $11.3M | $17.8M | $37.0M | $37.3M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 11.13% |
| Rentabilidad sobre capital invertido | 6.50% |
| Rentabilidad sobre activos | 1.09% |
| Margen bruto | 60.97% |
| Margen operativo | 24.29% |
| Margen neto | 19.10% |
Salud financiera
| Deuda / Patrimonio | 0.43 |
| Ratio corriente | 0.11 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.70 |
Ratios Clave (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 15.20 | 290.48 | 19.08 | -11.90 | 10.54 | 9.18 |
| P/VC | 1.26 | 0.77 | 0.76 | 0.53 | 0.99 | 1.00 |
| P/V | 3.99 | 4.07 | 2.45 | 2.13 | 1.65 | 1.75 |
| Margen Bruto | 81.9% | 85.3% | 80.2% | 46.0% | 64.7% | 61.0% |
| Margen Operativo | 30.2% | 0.5% | 15.8% | -23.1% | 20.0% | 24.3% |
| Margen Neto | 26.1% | 1.4% | 13.0% | -18.1% | 15.6% | 19.1% |