Subscribe

Lumbee Guaranty Bank (LUMB)

USD13.55 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 403 East Third Street 28372
Pembroke, NC, US
CEO Kyle R. Chavis
IPO 2019-11-22
ISIN US5500321063

Explore sections of this company profile

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 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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
USD13.55 +0.00 (+0.00%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
204
Beta
0.25
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +1.67% -0.07% -0.07% -0.07% +11.92% +17.56% +24.36% +28.94% +28.94%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
13.55
DCF (Unlevered) 10.68 -21.2%
DCF (Levered) 12.96 -4.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.14
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +1.9% Q1'26: +3.4% (vs Q4'24)
  • EPS growth
    +7.8% Q1'26: +6.1% (vs Q4'24)
  • FCF margin
    Q1'26: +0.0% (vs Q4'24)
  • EBIT margin
    Q1'26: +20.3% (vs Q4'24)
  • ROIC
    Q1'26: +8.5% (vs Q4'24)
  • Share dilution
    +0.1% Q1'26: -0.4% (vs Q4'24)
  • Debt / EBITDA
    Q1'26: 1.91× (vs Q4'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.27) × ERP
WACC = 81% × Ke + 19% × Kd (63.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 10.68 Current price: 13.55
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-20 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-15 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-14 B 3/5 3/5 3/5 3/5 3/5 2/5 3/5
2026-05-11 B 3/5 3/5 3/5 3/5 3/5 2/5 3/5
2026-05-04 B+ 3/5 3/5 3/5 3/5 3/5 3/5 3/5
2026-05-01 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-04-24 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-21 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-17 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
785.8K
OE per share TTM
0.23
Owner's Yield
1.70%
Maintenance CapEx ratio
72.83%
Maint CapEx / Avg PPE
43.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
47.9K
Shares Outstanding
3.22M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Bryan K. Maynor President & Chief Operating Officer 136.9K male
Kyle R. Chavis Chief Executive Officer & Vice Chairman of the Board 134.9K male
Redell Collins Secretary & Director 14.9K male
Janet G. Newton Senior Vice President, Corporate Secretary & Director of Human Resources female
Jessica Bowen Assistant Vice President & Controller
Jessica Jones Assistant Vice President & Controller
Katie Smith Vice President, Legal Counsel & Compliance Officer
Melanie Willoughby VP & Director of Human Resources
Thresia Locklear Senior Vice President & Director of Deposit Operations female
Ashley Ransom McLaughlin Head of Training
Tré Bell Senior Vice President & Director of Information Technology
Glenn Walters Senior VP & Regional Market Leader
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits