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Side-by-side financial comparison of LINKBANCORP, Inc. (LNKB) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $46.0M, roughly 1.7× LINKBANCORP, Inc.). LINKBANCORP, Inc. runs the higher net margin — 6.4% vs -178.3%, a 184.7% gap on every dollar of revenue. On growth, LINKBANCORP, Inc. posted the faster year-over-year revenue change (7.3% vs 0.4%). LINKBANCORP, Inc. produced more free cash flow last quarter ($23.8M vs $23.2M). Over the past eight quarters, LINKBANCORP, Inc.'s revenue compounded faster (6.6% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
LNKB vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $46.0M | $78.6M |
| Net Profit | $2.9M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 8.5% | -182.2% |
| Net Margin | 6.4% | -178.3% |
| Revenue YoY | 7.3% | 0.4% |
| Net Profit YoY | -61.2% | -3304.1% |
| EPS (diluted) | $0.08 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $44.8M | $77.7M | ||
| Q2 25 | $42.3M | $75.6M | ||
| Q1 25 | $53.4M | $77.3M | ||
| Q4 24 | $42.9M | $78.3M | ||
| Q3 24 | $42.9M | $79.1M | ||
| Q2 24 | $41.3M | $74.9M | ||
| Q1 24 | $40.5M | $80.7M |
| Q4 25 | $2.9M | $-140.1M | ||
| Q3 25 | $7.8M | $-6.4M | ||
| Q2 25 | $7.4M | $-102.3M | ||
| Q1 25 | $15.3M | $-7.9M | ||
| Q4 24 | $7.6M | $-4.1M | ||
| Q3 24 | $7.1M | $3.2M | ||
| Q2 24 | $5.8M | $-4.1M | ||
| Q1 24 | $5.7M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 8.5% | -182.2% | ||
| Q3 25 | 22.3% | -3.9% | ||
| Q2 25 | 22.4% | -138.7% | ||
| Q1 25 | 36.0% | -4.7% | ||
| Q4 24 | 22.6% | -1.5% | ||
| Q3 24 | 21.3% | -0.9% | ||
| Q2 24 | 18.0% | -4.6% | ||
| Q1 24 | 18.1% | -3.1% |
| Q4 25 | 6.4% | -178.3% | ||
| Q3 25 | 17.5% | -8.3% | ||
| Q2 25 | 17.5% | -135.2% | ||
| Q1 25 | 28.7% | -10.3% | ||
| Q4 24 | 17.7% | -5.3% | ||
| Q3 24 | 16.5% | 4.1% | ||
| Q2 24 | 14.1% | -5.4% | ||
| Q1 24 | 14.1% | -6.5% |
| Q4 25 | $0.08 | $-1.68 | ||
| Q3 25 | $0.21 | $-0.08 | ||
| Q2 25 | $0.20 | $-1.15 | ||
| Q1 25 | $0.41 | $-0.09 | ||
| Q4 24 | $0.21 | $-0.04 | ||
| Q3 24 | $0.19 | $0.03 | ||
| Q2 24 | $0.16 | $-0.04 | ||
| Q1 24 | $0.15 | $-0.06 |
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 | $115.7M |
| Total DebtLower is stronger | $177.3M | $280.1M |
| Stockholders' EquityBook value | $306.4M | $484.4M |
| Total Assets | $3.1B | $1.2B |
| Debt / EquityLower = less leverage | 0.58× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $52.3M | $115.7M | ||
| Q3 25 | $194.2M | $95.7M | ||
| Q2 25 | $155.1M | $162.6M | ||
| Q1 25 | $220.2M | $165.5M | ||
| Q4 24 | $166.1M | $189.5M | ||
| Q3 24 | $191.2M | $168.7M | ||
| Q2 24 | $181.7M | $147.1M | ||
| Q1 24 | $172.3M | $128.3M |
| Q4 25 | $177.3M | $280.1M | ||
| Q3 25 | $102.3M | $279.5M | ||
| Q2 25 | $102.3M | $279.0M | ||
| Q1 25 | $102.7M | $497.6M | ||
| Q4 24 | $112.5M | $496.8M | ||
| Q3 24 | $102.4M | $496.2M | ||
| Q2 24 | $102.3M | $435.6M | ||
| Q1 24 | $102.2M | $434.9M |
| Q4 25 | $306.4M | $484.4M | ||
| Q3 25 | $305.5M | $616.9M | ||
| Q2 25 | $298.0M | $633.7M | ||
| Q1 25 | $294.1M | $755.7M | ||
| Q4 24 | $280.2M | $761.3M | ||
| Q3 24 | $277.4M | $754.7M | ||
| Q2 24 | $271.4M | $815.4M | ||
| Q1 24 | $268.2M | $813.8M |
| Q4 25 | $3.1B | $1.2B | ||
| Q3 25 | $3.1B | $1.3B | ||
| Q2 25 | $2.9B | $1.4B | ||
| Q1 25 | $2.9B | $1.5B | ||
| Q4 24 | $2.9B | $1.6B | ||
| Q3 24 | $2.9B | $1.6B | ||
| Q2 24 | $2.9B | $1.5B | ||
| Q1 24 | $2.8B | $1.5B |
| Q4 25 | 0.58× | 0.58× | ||
| Q3 25 | 0.33× | 0.45× | ||
| Q2 25 | 0.34× | 0.44× | ||
| Q1 25 | 0.35× | 0.66× | ||
| Q4 24 | 0.40× | 0.65× | ||
| Q3 24 | 0.37× | 0.66× | ||
| Q2 24 | 0.38× | 0.53× | ||
| Q1 24 | 0.38× | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $23.8M | $23.2M |
| FCF MarginFCF / Revenue | 51.7% | 29.6% |
| Capex IntensityCapex / Revenue | 3.2% | 0.1% |
| Cash ConversionOCF / Net Profit | 8.59× | — |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $25.3M | $23.3M | ||
| Q3 25 | $23.6M | $32.2M | ||
| Q2 25 | $6.3M | $33.1M | ||
| Q1 25 | $2.6M | $2.5M | ||
| Q4 24 | $25.4M | $34.3M | ||
| Q3 24 | $14.0M | $60.1M | ||
| Q2 24 | $6.4M | $31.0M | ||
| Q1 24 | $-771.0K | $24.8M |
| Q4 25 | $23.8M | $23.2M | ||
| Q3 25 | $23.2M | $32.1M | ||
| Q2 25 | $6.1M | $33.0M | ||
| Q1 25 | $2.2M | $2.4M | ||
| Q4 24 | $22.6M | $34.0M | ||
| Q3 24 | $13.1M | $59.8M | ||
| Q2 24 | $6.3M | $30.5M | ||
| Q1 24 | $-1.2M | $24.7M |
| Q4 25 | 51.7% | 29.6% | ||
| Q3 25 | 51.8% | 41.3% | ||
| Q2 25 | 14.5% | 43.6% | ||
| Q1 25 | 4.2% | 3.0% | ||
| Q4 24 | 52.6% | 43.5% | ||
| Q3 24 | 30.5% | 75.6% | ||
| Q2 24 | 15.3% | 40.7% | ||
| Q1 24 | -3.0% | 30.6% |
| Q4 25 | 3.2% | 0.1% | ||
| Q3 25 | 0.8% | 0.2% | ||
| Q2 25 | 0.4% | 0.1% | ||
| Q1 25 | 0.7% | 0.2% | ||
| Q4 24 | 6.7% | 0.3% | ||
| Q3 24 | 2.1% | 0.3% | ||
| Q2 24 | 0.1% | 0.6% | ||
| Q1 24 | 1.1% | 0.1% |
| Q4 25 | 8.59× | — | ||
| Q3 25 | 3.01× | — | ||
| Q2 25 | 0.85× | — | ||
| Q1 25 | 0.17× | — | ||
| Q4 24 | 3.35× | — | ||
| Q3 24 | 1.97× | 18.52× | ||
| Q2 24 | 1.10× | — | ||
| Q1 24 | -0.13× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LNKB
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
