Lumbee Guaranty Bank (LUMB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 14 | 16 | 17 | 20 | 17 | 18 | 19 | - |
| Operating profit | $m | 5 | 5 | ||||||
| Net profit | $m | 2 | 4 | 5 | 6 | 4 | 4 | 5 | - |
| EPS reported | $ | 1.25 | 1.38 | ||||||
| Operating cashflow per share | $ | 1.51 | 0.00 | ||||||
| Capex per share | $ | 0.78 | 0.00 | ||||||
| FCF per share | $ | 0.73 | 0.00 | ||||||
| Free cash flow | $m | 2 | 0 | ||||||
| Net debt | $m | 2 | 22 | ||||||
| Book value equity | $m | 52 | 52 | ||||||
| Book value per share | $ | 15.54 | 15.63 | ||||||
| Number of shares | m | 3.33 | 3.34 | ||||||
| DPS (TTM paid) | $ | 0.41 | 0.41 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.20 | 10.44 | ||||||
| P/B LTM | x | 0.90 | 0.89 | ||||||
| P/S LTM | x | 2.61 | 2.48 | ||||||
| P/FCF LTM | x | 19.22 | 0.00 | ||||||
| EV/EBITDA LTM | x | 9.11 | 9.41 | ||||||
| EV/Sales LTM | x | 2.01 | 1.84 | ||||||
| Earnings Yield LTM | % | +8.93% | +9.58% | ||||||
| FCF Yield | % | +5.20% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +8.02% | +8.57% | ||||||
| ROIC | % | +5.91% | +6.64% | ||||||
| Operating margin | % | +19.49% | +19.92% | ||||||
| Gross margin | % | +73.16% | +73.32% | ||||||
| FCF/Sales | % | +9.85% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +7.76% | +18.97% | ||||||
| Sales Growth YoY | % | +4.35% | +9.81% | ||||||
| Net Income Growth YoY | % | +7.70% | +19.08% | ||||||
| FCF Growth | % | -42.39% | -100.00% | ||||||
| Operating Profit Growth | % | -29.23% | -22.48% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.50% | +3.04% | ||||||
| Dividend Growth | % | +20.59% | +20.59% | ||||||
| Payout Ratio | % | +28.03% | +28.11% | ||||||
| FCF/Debt | x | 0.23 | 0.00 | ||||||
| Net Debt/EBITDA | x | 0.52 | 0.53 | ||||||
| EBIT/Net interest | x | 0.71 | 0.73 | ||||||
| Net debt/market cap | % | +21.64% | +23.00% | ||||||
| Net debt/Equity | x | 0.04 | 0.41 | ||||||
| Gross debt/equity | x | 0.21 | 0.72 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Lumbee Guaranty Bank (LUMB)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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