Critical Survey: BM Technologies (NYSE:BMTX) versus LINKBANCORP (NASDAQ:LNKB)

BM Technologies (NYSE:BMTXGet Free Report) and LINKBANCORP (NASDAQ:LNKBGet Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, dividends, valuation, institutional ownership and earnings.

Risk & Volatility

BM Technologies has a beta of 0.04, indicating that its share price is 96% less volatile than the S&P 500. Comparatively, LINKBANCORP has a beta of 0.65, indicating that its share price is 35% less volatile than the S&P 500.

Valuation & Earnings

This table compares BM Technologies and LINKBANCORP’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
BM Technologies $83.60 million 0.28 -$780,000.00 ($1.51) -1.32
LINKBANCORP $66.29 million 1.67 -$12.16 million ($0.51) -13.37

BM Technologies has higher revenue and earnings than LINKBANCORP. LINKBANCORP is trading at a lower price-to-earnings ratio than BM Technologies, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares BM Technologies and LINKBANCORP’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
BM Technologies -30.85% -38.58% -25.53%
LINKBANCORP -18.34% 4.37% 0.49%

Insider and Institutional Ownership

25.7% of BM Technologies shares are held by institutional investors. Comparatively, 37.5% of LINKBANCORP shares are held by institutional investors. 8.3% of BM Technologies shares are held by company insiders. Comparatively, 26.2% of LINKBANCORP shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of recent recommendations and price targets for BM Technologies and LINKBANCORP, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BM Technologies 0 1 2 0 2.67
LINKBANCORP 0 1 0 0 2.00

BM Technologies presently has a consensus target price of $6.75, indicating a potential upside of 237.50%. LINKBANCORP has a consensus target price of $7.00, indicating a potential upside of 2.64%. Given BM Technologies’ stronger consensus rating and higher probable upside, analysts clearly believe BM Technologies is more favorable than LINKBANCORP.

Summary

LINKBANCORP beats BM Technologies on 8 of the 14 factors compared between the two stocks.

About BM Technologies

(Get Free Report)

BM Technologies, Inc. operates as a financial technology (fintech) company in the United States. It facilitates deposits and banking services between a customer and its partner bank, customers bank, which is a related party and is a Federal Deposit Insurance Corporation insured bank. The company, through its fintech banking platform, offers digital banking and disbursement services to consumers and students through digital channels. The company was formerly known as BankMobile Technologies, Inc. and changed its name to BM Technologies, Inc. in January 2021. BM Technologies, Inc. is headquartered in Wayne, Pennsylvania.

About LINKBANCORP

(Get Free Report)

LINKBANCORP, Inc. operates as a bank holding company for The Gratz Bank, that provides various banking products and services to individuals, families, nonprofit, and business customers in Pennsylvania. Its deposit products include demand, saving, and money market accounts, as well as certificates of deposits. The company also offers commercial real estate, commercial business, commercial real estate construction, land development, residential real estate, home equity, consumer, agricultural, and municipal loans. It also provides online banking, mobile banking, direct and remote deposit, and cash management services. LINKBANCORP, Inc. was incorporated in 2018 and is headquartered in Camp Hill, Pennsylvania.

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