LINKBANCORP, Inc. (LNKB) came out with quarterly earnings of $0.1 per share, missing the Zacks Consensus Estimate of $0.23 per share. This compares to earnings of $0.21 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -55.56%. A quarter ago, it was expected that this company would post earnings of $0.21 per share when it actually produced earnings of $0.21, delivering no surprise.Over the last four quarters, the company has not ...

Financial Performance - Net income for Q4 2025 was $2.9 million, or $0.08 per diluted share, down from $7.8 million, or $0.21 per diluted share in Q3 2025[1]. - Full year 2025 net income increased by 26.8% to $33.5 million, or $0.90 per diluted share, compared to $26.2 million, or $0.71 per diluted share in 2024[5]. - Adjusted pre-tax, pre-provision net income for Q4 2025 was $11.7 million, up from $11.0 million in Q3 2025[1]. - Net income for the three months ended December 31, 2025, was $2,942,000, a decrease from $7,584,000 for the same period in 2024[36]. - Adjusted net income for the three months ended December 31, 2025, was $3,839,000, with an adjusted return on average assets of 0.50%[62]. - Net Income (GAAP) for the twelve months ended December 31, 2025, was $33,511,000, compared to $26,209,000 for the previous year, representing a year-over-year increase of 27.7%[65]. - Adjusted Net Income (Non-GAAP) for the three months ended December 31, 2025, was $7,628,000, a slight decrease from $7,839,000 in the previous quarter[65]. Assets and Liabilities - Total assets as of December 31, 2025, amounted to $3,069.99 million, an increase from $2,878.78 million on December 31, 2024, representing a growth of approximately 6.63% year-over-year[34]. - Total liabilities increased to $2,762,817,000 from $2,563,566,000 year-over-year[46]. - Total assets as of December 31, 2025, were $3,071,482,000, an increase from $2,842,450,000 at the end of 2024[46]. Deposits and Loans - Total deposits as of December 31, 2025 were $2.55 billion, reflecting a 10.9% annual increase from $2.45 billion at the end of 2024[5]. - Total loans increased to $2.56 billion as of December 31, 2025, representing a 13.1% annualized growth from $2.35 billion at the end of 2024[5]. - Total deposits reached $2,554.75 million as of December 31, 2025, up from $2,360.58 million on December 31, 2024, indicating an increase of approximately 8.23%[34]. - Total loans receivable increased to $2,556,729, up from $2,347,556, representing a year-to-date change of $209,173 and an annualized growth rate of 13.08%[52]. Credit Losses and Allowances - The provision for credit losses in Q4 2025 was $6.6 million, with $5.0 million related to a specific reserve for a single commercial credit[17]. - The allowance for credit losses for loans was $31.7 million, or 1.24% of total loans held for investment, up from 1.03% at the end of Q3 2025[20]. - The allowance for credit losses on loans was $31.67 million as of December 31, 2025, compared to $26.44 million a year prior, showing a rise of about 19.8%[34]. Shareholders' Equity - Shareholders' equity totaled $306.43 million as of December 31, 2025, an increase from $280.22 million on December 31, 2024, representing a growth of approximately 9.34%[34]. - Total shareholders' equity as of December 31, 2025, was $306,432,000, up from $305,457,000 in the previous quarter[66]. Strategic Initiatives - The Company announced a strategic merger with Burke & Herbert valued at approximately $354.2 million, expected to create a combined organization with $11.0 billion in assets[6]. - The proposed merger with Burke & Herbert is subject to various risks, including regulatory approvals and potential impacts on market prices, which could affect the anticipated benefits of the transaction[26]. - The company anticipates that revenues following the proposed transaction may be lower than expected due to integration challenges and economic conditions[26]. Cost Management - Management emphasizes the importance of controlling costs and expenses amid increased competition and changing consumer demand for financial services[26]. - Total non-interest expense was $19,539,000 for the three months ended December 31, 2025, compared to $18,302,000 for the same period in 2024, indicating a rise of 6.8%[38]. - Adjusted non-interest expense (Non-GAAP) for the three months ended December 31, 2025, was $18,389,000, compared to $18,171,000 in the previous quarter[69]. Earnings Per Share - Basic earnings per share for the three months ended December 31, 2025, was $0.08, down from $0.20 for the same period in 2024[38]. - GAAP-based earnings per share (EPS) for the three months ended December 31, 2025, was $0.08, while adjusted EPS (non-GAAP) was $0.10[64]. Efficiency and Margins - The efficiency ratio for the three months ended December 31, 2025, was 65.03%, compared to 65.04% for the same period in 2024[38]. - The net interest margin for the quarter was 3.74%, slightly down from 3.85% in the previous year[46]. - The GAAP-based efficiency ratio for the three months ended December 31, 2025, was 65.03%, an increase from 62.25% in the previous quarter[68].

HARRISBURG, Pa., Jan. 26, 2026 /PRNewswire/ -- 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, adjus ...

Core Viewpoint - Burke & Herbert Financial Services Corp. reported strong financial results for Q4 2025, highlighting disciplined execution and a solid foundation for future growth, including a regular cash dividend declaration of $0.55 per share [1][2]. Financial Performance - The company achieved a net income of $30.0 million for Q4 2025, translating to $1.98 per diluted common share, an increase from $29.7 million or $1.97 per diluted common share in Q3 2025 [4][5]. - For the full year 2025, net income applicable to common shares totaled $116.4 million, with diluted earnings per share at $7.72 [5]. - The annualized return on average assets was 1.48% and return on average equity was 14.76% for the year ended December 31, 2025 [5]. Balance Sheet and Asset Quality - Total gross loans were reported at $5.4 billion as of December 31, 2025, a decrease of $171.8 million from the previous quarter, primarily due to the exit of non-strategic loans [4][5]. - Total deposits stood at $6.4 billion, reflecting a decrease of $8.1 million from the previous quarter, with core deposits increasing by $51.9 million [5][11]. - The company maintained a strong liquidity position with total liquidity of $4.8 billion at the end of Q4 2025 [5]. Capital Ratios - The company ended Q4 2025 with a Common Equity Tier 1 capital ratio of 13.2% and a Total risk-based capital ratio of 15.9%, both significantly above regulatory requirements [7][8]. - The leverage ratio was reported at 10.9%, indicating a well-capitalized status [7][8]. Non-Interest Income and Expenses - Non-interest income for Q4 2025 was $11.6 million, consistent with the previous quarter, although there were fluctuations in various categories [11]. - Non-interest expenses increased slightly to $48.5 million in Q4 2025 from $48.1 million in Q3 2025, with all categories remaining relatively flat [11]. Strategic Initiatives - The company announced a definitive merger agreement with LINKBANCORP, which, if completed, will create a financial holding company with approximately $11 billion in assets and over 100 locations [5][11]. - The merger is subject to shareholder and regulatory approvals, with expectations of enhanced value creation for stakeholders [5][11].

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Group 1 - D.A. Davidson set a price target of $10 for LINKBANCORP (NASDAQ:LNKB), indicating a potential price increase of about 15.07% from the current trading price of $8.69 [1][5] - Burke & Herbert Financial Services Corp. announced a merger agreement to acquire LINKBANCORP in an all-stock transaction valued at approximately $354 million, aimed at enhancing their presence in Pennsylvania [2][5] - The merger is expected to provide significant value to stakeholders, with the Chair and CEO of Burke & Herbert describing it as a transformative milestone that will benefit customers, employees, communities, and shareholders [2] Group 2 - LINKBANCORP's stock is currently priced at $8.69, reflecting a 1.99% increase or $0.17, with a trading volume of 853,503 shares on the NASDAQ exchange [3][5] - Over the past year, LINKBANCORP's stock has fluctuated between a high of $9.01 and a low of $6.09, with a market capitalization of approximately $325.5 million [3] - Burke & Herbert Financial Services Corp. holds a KBRA senior unsecured rating of BBB with a stable outlook, indicating financial stability and the ability to meet financial obligations [4]

NEW YORK--(BUSINESS WIRE)-- #creditratingagency--On December 18, 2025, Burke & Herbert Financial Services Corp. (NASDAQ: BHRB) (KBRA senior unsecured rating of BBB / Stable Outlook), the parent company of Burke and Herbert Bank and Trust Company, announced a definitive merger agreement with LINKBANCORP, Inc. (NASDAQ: LNKB), the parent company of LINKBANK, pursuant to which BHRB will acquire LNKB in an all-stock transaction. The transaction, which had an estimated value of approximately $354 million, is expe ...

Group 1 - Halper Sadeh LLC is investigating the fairness of the sale of LINKBANCORP, Inc. to Burke & Herbert Financial Services Corp. [1] - The transaction involves an exchange of 0.1350 shares of Burke & Herbert common stock for each share of LINKBANCORP common stock. [1] - LINKBANCORP shareholders are encouraged to learn about their legal rights and options regarding the sale. [1]

Core Viewpoint - LINKBANCORP is under investigation for potential breaches of fiduciary duty related to its transaction with Burke & Herbert, which may not be in the best interest of its shareholders [1][3]. Transaction Details - LINKBANCORP shareholders will receive 0.1350 shares of Burke & Herbert common stock for each LINKBANCORP share owned, equating to approximately $9.38 per share [2]. - Post-transaction, Burke & Herbert shareholders will own about 75% of the combined company, while LINKBANCORP shareholders will hold 25% [2]. Board Conduct - The transaction agreement imposes significant penalties on LINKBANCORP for accepting competing bids, raising concerns about the board's fulfillment of fiduciary duties to all shareholders [3].

ALEXANDRIA, Va. and CAMP HILL, Pa., Dec. 18, 2025 /PRNewswire/ -- Burke & Herbert Financial Services Corp. (the "Company" or "Burke & Herbert") (Nasdaq: BHRB) and LINKBANCORP, Inc. ("LINK") (Nasdaq: LNKB), the parent company of LINKBANK, today announced the signing of a definitive merger agreement pursuant to which Burke & Herbert will acquire LINK in an all-stock transaction valued at approximately $354.2 million or $9.38 per share of LINK common stock, based on a closing price for Burke & Herbert's common ...