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COMPANY SUMMARY
Lumbee Guaranty Bank provides various financial products and services in the United States. It offers personal and business checking and savings accounts; personal certificates of deposit and individual retirement accounts; and business investment accounts. The company also provides mortgage, auto, recreational vehicle, personal, agriculture, working capital, real estate development, and business loans, as well as line of credit and capital acquisition services; and insurance services. In addition, it offers online, bill pay, mobile banking and deposit capture, digital wallet, and telephone banking; and convenience services, such as check recording, safe box deposits, wire transfer, visa support and services, and lost or stolen card support, and merchant services, as well as credit and debit cards, and night deposits. The company was formerly known as Lumbee Bank and changed its name to Lumbee Guaranty Bank in 1991. Lumbee Guaranty Bank was incorporated in 1971 and is headquartered in Pembroke, North Carolina.
Financial Summary
| Share Statistics | LUMB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $44.6 | $716.9 | 15% |
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| Shares Out (Mil) | 3.4 | 15.7 | 11% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | na | 21.2 | na |
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| Beta | na | 0.48 | na |
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| Avg Daily Volume (000s) | 1 | 53 | 4% |
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| Price Change (52-week) |
14.4% | 96.7% | 57% |
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| Growth | LUMB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 4.6% | 7.6% | 34% |
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| Net Income (5yr) | 5.8% | 11.1% | 48% |
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| EPS (5yr) | 6.6% | 10.1% | 41 |
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| Dividends (5yr) | 10.8% | 3.6% | 65% |
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| Cash Flow (5yr) | (14.9%) | (17.0%) | 53% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | LUMB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $18 | $190 | 12% |
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| Net Income (TTM) (Mil) | $4 | $51 | 43% |
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| EPS (TTM) | $1.251 | $2.500 | 64% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $10 | $100 | 28% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | LUMB | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.86 | 1.27 | 18% |
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| P/E | 10.8 | 12.9 | 18% |
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| Dividend Yield | 2.7% | 2.2% | 82% |
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| PEG (5yr hist) | 1.6 | 1.1 | 61% |
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| Ratios | LUMB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 24.4% | 28.9% | 83% |
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| ROA | 1.5% | 1.0% | 52% |
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| ROE | 16.0% | 11.1% | 73% |
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| Liabilities to Assets | 90.8% | 89.8% | 87% |
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| F-Score | 1 | 4 | na |
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Lumbee Guaranty Bank did not pass any screens on 7/31/2026.
