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Lumbee Guaranty Bank (LUMB) Price & Analysis

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LUMB Stock Chart & Stats

$13.51

$12.97(99.75%)

At close: Dec 31 4:00 PM EST

$13.51

$12.97(99.75%)

Day’s Range― - ―

52-Week Range$12.10 - $15.50

Previous CloseN/A

Volume3.27K

Average Volume (3M)490.00

Market Cap

$44.29M

Enterprise Value$46.16M

Total Cash (Recent Filing)$7.36M

Total Debt (Recent Filing)$10.00M

Price to Earnings (P/E)10.2

Beta0.12

Next EarningsN/A

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield3.06%

Share Statistics

EPS (TTM)N/A

Shares Outstanding3,223,703

10 Day Avg. Volume80

30 Day Avg. Volume490

Financial Highlights & Ratios

PEG Ratio1.44

Price to Book (P/B)0.90

Price to Sales (P/S)1.89

P/FCF Ratio19.22

Enterprise Value/Market Cap1.04

Enterprise Value/Revenue2.42

Enterprise Value/Gross Profit3.31

Enterprise Value/Ebitda11.89

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Conservative Balance SheetConservative leverage and a built-up equity base provide a durable capital buffer that sustains lending capacity and loss absorption. This structural balance-sheet strength reduces solvency risk, supports regulatory flexibility, and permits measured growth without immediate external financing over the medium term.

Multi-year Revenue ExpansionSustained revenue expansion since 2020 indicates an expanding franchise and improving market penetration, supporting scale economies in core banking activities. Even acknowledging a likely one-time 2025 boost, multi-year top-line growth strengthens fee and interest income diversification and underpins medium-term business resilience.

Historically Positive Operating Cash FlowConsistently positive operating cash flow shows the core banking operations generate cash to fund lending, cover operating costs, and support shareholder distributions without overreliance on external financing. This operational cash generation is a durable source of internal funding and financial flexibility.

Bears Say

Declining Free Cash FlowA sharp, multi-year decline in free cash flow points to weakening cash conversion of reported earnings, limiting internal capacity for reinvestment, dividends, or balance-sheet growth. Persistent FCF deterioration raises sensitivity to funding costs and reduces margin for error in stressed scenarios over the medium term.

Margin Compression And Earnings InconsistencyMargin compression in 2025, despite revenue gains, undermines sustainable profitability and indicates pressure on core spread or fee economics. Continued compressing margins reduce return on assets and constrain retained earnings, impairing the bank's ability to reinvest and deliver consistent shareholder returns over time.

Cooling Returns On EquityROE deterioration while equity and assets grow signals declining capital efficiency: the bank is accumulating capital without proportional earnings growth. This structural inefficiency can pressure long-term shareholder returns, complicate capital allocation, and suggest deeper competitive or pricing headwinds if not reversed.

LUMB FAQ

What was Lumbee Guaranty Bank’s price range in the past 12 months?

Lumbee Guaranty Bank lowest stock price was $12.10 and its highest was $15.50 in the past 12 months.

What is Lumbee Guaranty Bank’s market cap?

Lumbee Guaranty Bank’s market cap is $44.29M.

When is Lumbee Guaranty Bank’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were Lumbee Guaranty Bank’s earnings last quarter?

Currently, no data Available

Is Lumbee Guaranty Bank overvalued?

According to Wall Street analysts Lumbee Guaranty Bank’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Lumbee Guaranty Bank pay dividends?

Lumbee Guaranty Bank pays a Semiannually dividend of $0.23 which represents an annual dividend yield of 3.06%. See more information on Lumbee Guaranty Bank dividends here

What is Lumbee Guaranty Bank’s EPS estimate?

Lumbee Guaranty Bank’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Lumbee Guaranty Bank have?

Lumbee Guaranty Bank has 3,223,703 shares outstanding.

What happened to Lumbee Guaranty Bank’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of Lumbee Guaranty Bank?

Currently, no hedge funds are holding shares in LUMB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Lumbee Guaranty Bank

Lumbee Guaranty Bank functions as a community-oriented financial institution, delivering a diverse range of banking services. It offers clients a full spectrum of deposit accounts, including personal and business checking and savings options, as well as individual retirement accounts (IRAs) and certificates of deposit (CDs). Additionally, the bank facilitates business investment accounts. The institution also provides various lending solutions such as mortgages, auto loans, and personal loans, alongside business loans and lines of credit. For added convenience, customers can utilize modern banking channels like online, mobile, and telephone banking, which include bill payment functionalities. Lumbee Guaranty Bank manages fourteen branch locations, all situated within Robeson, Cumberland, and Hoke counties in North Carolina. The company was initially founded in 1971 and is headquartered in Pembroke, North Carolina. It underwent a name change in 1991, transitioning from its former identity as Lumbee Bank to its present name, Lumbee Guaranty Bank.