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Lumbee Guaranty Bank (LUMB) Price & Analysis

LUMB Stock Chart & Stats

$13.45$0.00(0.00%)
At close: 4:00 PM EDT
$13$13.5$143 Aug18 Aug31 Aug14 Sep28 Sep9 Oct26 Oct
Day’s Range
$13.15 - $13.75
52-Week Range
$12.50 - $15.50
Previous Close
$13.45
Volume
3,270
Average Volume (3M)
995
Market Cap
$44.46M
Enterprise Value
$46.16T
Total Cash (Recent Filing)
$15.95M
Total Debt (Recent Filing)
$37.50M
Price to Earnings (P/E)
10.1
Beta
0.11
Next Earnings
N/A
EPS Estimate
N/A
Next Dividend Ex-Date
N/A
Dividend Yield
3.05%

Bulls Say, Bears Say

Bulls Say

Conservative Balance Sheet

Conservative 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 Expansion

Sustained 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 Flow

Consistently 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 Flow

A 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 Inconsistency

Margin 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 Equity

ROE 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 $12.50 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 $44.46M.
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?
Lumbee Guaranty Bank released its earnings results on May 08, 2024. The company reported $0.352 earnings per share for the quarter.
Is Lumbee Guaranty Bank overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Lumbee Guaranty Bank pay dividends?
Lumbee Guaranty Bank pays a Semiannually dividend of $0.23 which represents an annual dividend yield of 3.05%. 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 3,203,703 shares outstanding.
What happened to Lumbee Guaranty Bank’s price movement after its last earnings report?
Lumbee Guaranty Bank reported an EPS of $0.352 in its last earnings report. Following the earnings report the stock price went same 0%.
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