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Lumbee Guaranty Bank
(OTC:LUMB)
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Rating:73Outperform
Price Target:
$15.50
▲(14.73% Upside)
Action:Reiterated
Date:04/06/26
The score is driven primarily by solid but recently less stable financial performance (margin compression and materially weaker free cash flow since 2023). Technicals are mildly positive with price above key moving averages and neutral momentum indicators. Valuation is a supportive offset, with a low P/E and a moderate dividend yield.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Lumbee Guaranty Bank (LUMB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$43.80M
Dividend Yield3.04%
Average Volume (3M)490.00
Price to Earnings (P/E)9.8
Beta (1Y)0.07
Revenue Growth6.70%
EPS Growth16.14%
CountryUS
Employees100
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding3,203,703
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 Cap1.05
Enterprise Value/Revenue1.79
Enterprise Value/Gross Profit2.46
Enterprise Value/Ebitda8.79
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
Lumbee Guaranty Bank Business Overview & Revenue Model
Company Description
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 w...
How the Company Makes Money
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Lumbee Guaranty Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 25.77M | 24.59M | 24.14M | 22.96M | 17.44M | 16.59M |
| Gross Profit | 18.80M | 17.99M | 15.43M | 19.69M | 16.97M | 16.19M |
| EBITDA | 5.25M | 5.43M | 4.75M | 7.10M | 5.61M | 5.20M |
| Net Income | 4.58M | 4.15M | 3.85M | 5.96M | 4.94M | 4.02M |
Balance Sheet | ||||||
| Total Assets | 583.50M | 561.39M | 520.21M | 519.66M | 484.34M | 473.27M |
| Cash, Cash Equivalents and Short-Term Investments | 15.95M | 7.78M | 136.11M | 156.57M | 130.45M | 139.96M |
| Total Debt | 37.50M | 10.62M | 6.03M | 7.55M | 2.44M | 2.42M |
| Total Liabilities | 531.37M | 509.71M | 475.08M | 477.38M | 448.95M | 430.02M |
| Stockholders Equity | 52.13M | 51.69M | 45.13M | 42.28M | 35.39M | 43.25M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.42M | 4.21M | 6.87M | 5.40M | 5.71M |
| Operating Cash Flow | 0.00 | 5.03M | 4.88M | 7.20M | 5.71M | 5.79M |
| Investing Cash Flow | 0.00 | -31.61M | -20.20M | -27.38M | -30.91M | -62.72M |
| Financing Cash Flow | 0.00 | 33.56M | -3.87M | 28.99M | 18.78M | 54.02M |
Lumbee Guaranty Bank Technical Analysis
Negative
13.51
Price Trends
13.58
Negative
13.59
Negative
13.49
Positive
Market Momentum
0.09
Positive
45.53
Neutral
31.25
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LUMB, the sentiment is Negative. The current price of 13.51 is below the 20-day moving average (MA) of 13.66, below the 50-day MA of 13.58, and above the 200-day MA of 13.49, indicating a neutral trend. The MACD of 0.09 indicates Positive momentum. The RSI at 45.53 is Neutral, neither overbought nor oversold. The STOCH value of 31.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LUMB.
Lumbee Guaranty Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $126.60M | 5.84 | 16.39% | ― | 24.01% | 20.16% | |
76 Outperform | $74.82M | 11.80 | 10.69% | 2.53% | 7.71% | 60.72% | |
73 Outperform | $85.41M | 9.76 | 7.13% | 2.76% | 4.91% | 127.20% | |
73 Outperform | $43.80M | 9.78 | 8.56% | 2.50% | 6.70% | 16.14% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $50.03M | 14.42 | 5.66% | 1.30% | 5.94% | 51.02% | |
46 Neutral | $177.95M | -0.46 | -63.67% | 1.33% | -35.76% | -909.39% |
* Financial Sector Average
LUMB
Lumbee Guaranty Bank
13.50
-0.81
-5.69%
ASRV
Ameriserv Financial
4.95
2.01
68.37%
HFBL
Home Federal Bancorp Of Louisiana
24.08
11.06
84.92%
OPHC
Optimumbank Holdings
10.10
5.86
138.21%
BAFN
BayFirst Financial Corp
6.83
-0.90
-11.64%
TCBS
Texas Community
17.30
1.48
9.38%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.