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Side-by-side financial comparison of LINKBANCORP, Inc. (LNKB) and MetroCity Bankshares, Inc. (MCBS). Click either name above to swap in a different company.
LINKBANCORP, Inc. is the larger business by last-quarter revenue ($46.0M vs $43.7M, roughly 1.1× MetroCity Bankshares, Inc.). MetroCity Bankshares, Inc. runs the higher net margin — 50.5% vs 6.4%, a 44.1% gap on every dollar of revenue. On growth, MetroCity Bankshares, Inc. posted the faster year-over-year revenue change (23.6% vs 7.3%). MetroCity Bankshares, Inc. produced more free cash flow last quarter ($37.0M vs $23.8M). Over the past eight quarters, MetroCity Bankshares, Inc.'s revenue compounded faster (15.7% CAGR vs 6.6%).
LINKBANCORP, Inc. is a US-based bank holding company that offers comprehensive retail and commercial banking services to individual consumers, small businesses, and mid-sized enterprises. Its core offerings include deposit accounts, lending products, wealth management solutions, and digital banking services, primarily serving customers across regional markets in Pennsylvania.
Metro City Bank is a Korean-American bank based in Doraville, Georgia and offers personal and commercial banking services. It is the largest Korean-American bank to not be based out of Los Angeles, California. It currently operates a total of 19 branches in Texas, New York, New Jersey, Virginia, Georgia, Alabama, and Florida.
LNKB vs MCBS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $46.0M | $43.7M |
| Net Profit | $2.9M | $18.1M |
| Gross Margin | — | — |
| Operating Margin | 8.5% | 52.8% |
| Net Margin | 6.4% | 50.5% |
| Revenue YoY | 7.3% | 23.6% |
| Net Profit YoY | -61.2% | 11.7% |
| EPS (diluted) | $0.08 | $0.69 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $46.0M | $43.7M | ||
| Q3 25 | $44.8M | $38.0M | ||
| Q2 25 | $42.3M | $37.9M | ||
| Q1 25 | $53.4M | $36.0M | ||
| Q4 24 | $42.9M | $35.4M | ||
| Q3 24 | $42.9M | $36.9M | ||
| Q2 24 | $41.3M | $36.3M | ||
| Q1 24 | $40.5M | $32.7M |
| Q4 25 | $2.9M | $18.1M | ||
| Q3 25 | $7.8M | $17.3M | ||
| Q2 25 | $7.4M | $16.8M | ||
| Q1 25 | $15.3M | $16.3M | ||
| Q4 24 | $7.6M | $16.2M | ||
| Q3 24 | $7.1M | $16.7M | ||
| Q2 24 | $5.8M | $16.9M | ||
| Q1 24 | $5.7M | $14.6M |
| Q4 25 | 8.5% | 52.8% | ||
| Q3 25 | 22.3% | 62.8% | ||
| Q2 25 | 22.4% | 62.4% | ||
| Q1 25 | 36.0% | 61.3% | ||
| Q4 24 | 22.6% | 58.9% | ||
| Q3 24 | 21.3% | 61.4% | ||
| Q2 24 | 18.0% | 64.4% | ||
| Q1 24 | 18.1% | 62.6% |
| Q4 25 | 6.4% | 50.5% | ||
| Q3 25 | 17.5% | 45.5% | ||
| Q2 25 | 17.5% | 44.4% | ||
| Q1 25 | 28.7% | 45.3% | ||
| Q4 24 | 17.7% | 54.0% | ||
| Q3 24 | 16.5% | 45.3% | ||
| Q2 24 | 14.1% | 46.7% | ||
| Q1 24 | 14.1% | 44.8% |
| Q4 25 | $0.08 | $0.69 | ||
| Q3 25 | $0.21 | $0.67 | ||
| Q2 25 | $0.20 | $0.65 | ||
| Q1 25 | $0.41 | $0.63 | ||
| Q4 24 | $0.21 | $0.64 | ||
| Q3 24 | $0.19 | $0.65 | ||
| Q2 24 | $0.16 | $0.66 | ||
| Q1 24 | $0.15 | $0.57 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $52.3M | $383.7M |
| Total DebtLower is stronger | $177.3M | — |
| Stockholders' EquityBook value | $306.4M | $544.2M |
| Total Assets | $3.1B | $4.8B |
| Debt / EquityLower = less leverage | 0.58× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $52.3M | $383.7M | ||
| Q3 25 | $194.2M | $227.2M | ||
| Q2 25 | $155.1M | $286.0M | ||
| Q1 25 | $220.2M | $285.1M | ||
| Q4 24 | $166.1M | $249.9M | ||
| Q3 24 | $191.2M | $291.2M | ||
| Q2 24 | $181.7M | $327.9M | ||
| Q1 24 | $172.3M | $258.8M |
| Q4 25 | $177.3M | — | ||
| Q3 25 | $102.3M | — | ||
| Q2 25 | $102.3M | — | ||
| Q1 25 | $102.7M | — | ||
| Q4 24 | $112.5M | — | ||
| Q3 24 | $102.4M | — | ||
| Q2 24 | $102.3M | — | ||
| Q1 24 | $102.2M | — |
| Q4 25 | $306.4M | $544.2M | ||
| Q3 25 | $305.5M | $445.9M | ||
| Q2 25 | $298.0M | $436.1M | ||
| Q1 25 | $294.1M | $428.0M | ||
| Q4 24 | $280.2M | $421.4M | ||
| Q3 24 | $277.4M | $407.2M | ||
| Q2 24 | $271.4M | $407.2M | ||
| Q1 24 | $268.2M | $396.6M |
| Q4 25 | $3.1B | $4.8B | ||
| Q3 25 | $3.1B | $3.6B | ||
| Q2 25 | $2.9B | $3.6B | ||
| Q1 25 | $2.9B | $3.7B | ||
| Q4 24 | $2.9B | $3.6B | ||
| Q3 24 | $2.9B | $3.6B | ||
| Q2 24 | $2.9B | $3.6B | ||
| Q1 24 | $2.8B | $3.6B |
| Q4 25 | 0.58× | — | ||
| Q3 25 | 0.33× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.35× | — | ||
| Q4 24 | 0.40× | — | ||
| Q3 24 | 0.37× | — | ||
| Q2 24 | 0.38× | — | ||
| Q1 24 | 0.38× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $25.3M | $37.7M |
| Free Cash FlowOCF − Capex | $23.8M | $37.0M |
| FCF MarginFCF / Revenue | 51.7% | 84.7% |
| Capex IntensityCapex / Revenue | 3.2% | 1.5% |
| Cash ConversionOCF / Net Profit | 8.59× | 2.08× |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $79.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $25.3M | $37.7M | ||
| Q3 25 | $23.6M | $16.5M | ||
| Q2 25 | $6.3M | $14.5M | ||
| Q1 25 | $2.6M | $11.9M | ||
| Q4 24 | $25.4M | $63.5M | ||
| Q3 24 | $14.0M | $-11.5M | ||
| Q2 24 | $6.4M | $19.4M | ||
| Q1 24 | $-771.0K | $36.4M |
| Q4 25 | $23.8M | $37.0M | ||
| Q3 25 | $23.2M | $16.2M | ||
| Q2 25 | $6.1M | $14.3M | ||
| Q1 25 | $2.2M | $11.8M | ||
| Q4 24 | $22.6M | $62.2M | ||
| Q3 24 | $13.1M | $-11.8M | ||
| Q2 24 | $6.3M | $19.0M | ||
| Q1 24 | $-1.2M | $36.1M |
| Q4 25 | 51.7% | 84.7% | ||
| Q3 25 | 51.8% | 42.7% | ||
| Q2 25 | 14.5% | 37.8% | ||
| Q1 25 | 4.2% | 32.9% | ||
| Q4 24 | 52.6% | 175.8% | ||
| Q3 24 | 30.5% | -31.9% | ||
| Q2 24 | 15.3% | 52.4% | ||
| Q1 24 | -3.0% | 110.6% |
| Q4 25 | 3.2% | 1.5% | ||
| Q3 25 | 0.8% | 0.7% | ||
| Q2 25 | 0.4% | 0.3% | ||
| Q1 25 | 0.7% | 0.2% | ||
| Q4 24 | 6.7% | 3.6% | ||
| Q3 24 | 2.1% | 0.8% | ||
| Q2 24 | 0.1% | 1.0% | ||
| Q1 24 | 1.1% | 0.7% |
| Q4 25 | 8.59× | 2.08× | ||
| Q3 25 | 3.01× | 0.95× | ||
| Q2 25 | 0.85× | 0.86× | ||
| Q1 25 | 0.17× | 0.73× | ||
| Q4 24 | 3.35× | 3.91× | ||
| Q3 24 | 1.97× | -0.69× | ||
| Q2 24 | 1.10× | 1.14× | ||
| Q1 24 | -0.13× | 2.49× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
