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Lumbee Guaranty Bank (LUMB)
OTHER OTC:LUMB
US Market
LUMB
Lumbee Guaranty Bank
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Lumbee Guaranty Bank (LUMB) Ratios

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Lumbee Guaranty Bank Ratios

LUMB's free cash flow for Q2 2026 was $0.72. For the 2026 fiscal year, LUMB's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.03 0.02 0.10 0.34 0.30
Quick Ratio
 0.03 0.02 0.10 0.34 0.30
Cash Ratio
 0.03 0.02 0.08 0.09 0.08
Solvency Ratio
 <0.01 <0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 0.01 0.02 0.02 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.99 0.90 0.96 2.39
Net Current Asset Value
$ -515.42M$ -501.93M$ -445.16M$ -316.80M$ -314.73M
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.02 0.01 0.01 <0.01
Debt-to-Equity Ratio
 0.72 0.21 0.13 0.18 0.07
Debt-to-Capital Ratio
 0.42 0.17 0.12 0.15 0.06
Long-Term Debt-to-Capital Ratio
 0.42 0.09 0.00 <0.01 <0.01
Financial Leverage Ratio
 11.19 10.86 11.53 12.29 13.69
Debt Service Coverage Ratio
 0.66 0.40 0.31 0.60 1.68
Interest Coverage Ratio
 0.75 0.71 0.96 2.02 10.00
Debt to Market Cap
 0.82 0.22 0.13 0.25 0.06
Interest Debt Per Share
 13.34 5.22 3.93 3.22 0.90
Net Debt to EBITDA
 4.11 0.52 -4.01 -5.18 -5.89
Profitability Margins
Gross Profit Margin
72.95%73.16%63.90%85.77%97.29%
EBIT Margin
20.37%19.49%19.67%28.48%32.11%
EBITDA Margin
20.37%22.06%19.67%30.90%32.18%
Operating Profit Margin
20.37%19.49%28.05%28.48%32.11%
Pretax Profit Margin
20.37%19.49%19.67%28.48%32.11%
Net Profit Margin
17.79%16.86%15.95%25.95%28.30%
Continuous Operations Profit Margin
17.79%16.86%15.95%25.95%28.30%
Net Income Per EBT
87.33%86.52%81.08%91.10%88.14%
EBT Per EBIT
100.00%100.00%70.12%100.00%100.00%
Return on Assets (ROA)
0.79%0.74%0.74%1.15%1.02%
Return on Equity (ROE)
8.86%8.02%8.53%14.09%13.95%
Return on Capital Employed (ROCE)
5.64%7.37%3.24%14.90%13.87%
Return on Invested Capital (ROIC)
4.92%5.91%2.25%11.59%11.54%
Return on Tangible Assets
0.79%0.74%0.74%1.15%1.02%
Earnings Yield
9.71%8.90%8.93%19.78%12.65%
Efficiency Ratios
Receivables Turnover
 0.00 7.49 0.00 8.94 7.48
Payables Turnover
 0.00 0.00 0.00 1.82 9.34
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.63 2.56 2.88 2.88 2.13
Asset Turnover
 0.04 0.04 0.05 0.04 0.04
Working Capital Turnover Ratio
 -0.05 -0.06 -0.08 -0.07 -0.06
Cash Conversion Cycle
 0.00 48.72 0.00 -159.57 9.71
Days of Sales Outstanding
 0.00 48.72 0.00 40.83 48.80
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 200.40 39.09
Operating Cycle
 0.00 48.72 0.00 40.83 48.80
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 1.51 1.47 2.15 1.71
Free Cash Flow Per Share
 0.00 0.73 1.27 2.05 1.61
CapEx Per Share
 0.00 0.78 0.20 0.10 0.09
Free Cash Flow to Operating Cash Flow
 0.00 0.48 0.86 0.95 0.94
Dividend Paid and CapEx Coverage Ratio
 0.00 1.33 2.75 5.23 4.54
Capital Expenditure Coverage Ratio
 0.00 1.93 7.29 21.40 18.18
Operating Cash Flow Coverage Ratio
 0.00 0.47 0.81 0.95 2.34
Operating Cash Flow to Sales Ratio
 0.00 0.20 0.20 0.31 0.33
Free Cash Flow Yield
0.00%5.20%9.76%22.80%13.83%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.25 11.20 11.18 5.06 7.90
Price-to-Sales (P/S) Ratio
 1.77 1.89 1.79 1.31 2.24
Price-to-Book (P/B) Ratio
 0.91 0.90 0.95 0.71 1.10
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 19.22 10.25 4.39 7.23
Price-to-Operating Cash Flow Ratio
 0.00 9.26 8.84 4.18 6.83
Price-to-Earnings Growth (PEG) Ratio
 0.64 1.44 -0.32 0.25 0.32
Price-to-Fair Value
 0.91 0.90 0.95 0.71 1.10
Enterprise Value Multiple
 12.80 9.11 5.07 -0.93 1.07
Enterprise Value
 67.17M 49.40M 24.06M -6.60M 5.98M
EV to EBITDA
 12.80 9.11 5.07 -0.93 1.07
EV to Sales
 2.61 2.01 1.00 -0.29 0.34
EV to Free Cash Flow
 0.00 20.39 5.72 -0.96 1.11
EV to Operating Cash Flow
 0.00 9.83 4.93 -0.92 1.05
Tangible Book Value Per Share
 15.63 15.36 13.40 12.46 10.40
Shareholders’ Equity Per Share
 15.63 15.54 13.58 12.63 10.58
Tax and Other Ratios
Effective Tax Rate
 0.13 0.13 0.19 0.09 0.12
Revenue Per Share
 7.72 7.39 7.26 6.86 5.21
Net Income Per Share
 1.37 1.25 1.16 1.78 1.48
Tax Burden
 0.87 0.87 0.81 0.91 0.88
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.33 0.37 0.44 0.30 0.37
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 <0.01 <0.01
Income Quality
 0.00 1.21 1.27 1.21 1.16
Currency in USD