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Lumbee Guaranty Bank LUMB

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Price alert · LUMB

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13.94 USD 0.00 0.00%

At close · Oct 30

13.10 Day range 13.94
12.75 52-week range 14.30
YTD
-0.43%
1 year
+3.26%
Open
13.10
Prev close
13.94
Mkt cap
46.32M
Vol
3.82K
Avg vol
733
EPS
1.38
P/E
10.10
More statistics
Low
13.10
High
13.94

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Financial health

Altman Z-Score

-0.85 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 3
  • P/B 4

Valuation

P/E 11.2×
FY 2016: 17.0×FY 2017: 19.4×FY 2018: 11.5×FY 2019: 12.9×FY 2020: 15.1×FY 2021: 10.3×FY 2022: 7.9×FY 2023: 5.1×FY 2024: 11.2×FY 2025: 11.2×
FY 2016 5y median 10.3× FY 2025
P/S 1.9×
FY 2016: 2.7×FY 2017: 2.4×FY 2018: 2.3×FY 2019: 2.3×FY 2020: 2.4×FY 2021: 2.5×FY 2022: 2.2×FY 2023: 1.3×FY 2024: 1.8×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
P/B 0.9×
FY 2016: 1.1×FY 2017: 1.0×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.7×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 19.2×
FY 2016: 13.4×FY 2017: 13.0×FY 2018: 7.9×FY 2019: 11.9×FY 2020: 18.5×FY 2021: 7.3×FY 2022: 7.2×FY 2023: 4.4×FY 2024: 10.2×FY 2025: 19.2×
FY 2016 5y median 7.3× FY 2025
EV/EBITDA 9.1×
FY 2016: 0.0×FY 2017: 7.7×FY 2018: 3.3×FY 2019: 2.2×FY 2020: -0.2×FY 2021: 0.4×FY 2022: 1.0×FY 2023: -0.9×FY 2024: 5.1×FY 2025: 9.1×
FY 2016 5y median 1.0× FY 2025
EV/Sales 2.0×
FY 2016: 2.2×FY 2017: 1.7×FY 2018: 0.9×FY 2019: 0.5×FY 2020: -0.0×FY 2021: 0.1×FY 2022: 0.3×FY 2023: -0.3×FY 2024: 1.0×FY 2025: 2.0×
FY 2016 5y median 0.3× FY 2025
FCF Yield 5.2%
FY 2016: 7.4%FY 2017: 7.7%FY 2018: 12.7%FY 2019: 8.4%FY 2020: 5.4%FY 2021: 13.7%FY 2022: 13.8%FY 2023: 22.8%FY 2024: 9.8%FY 2025: 5.2%
FY 2016 5y median 13.7% FY 2025

Profitability

Gross Margin 73.2%
FY 2016: 100.0%FY 2017: 94.4%FY 2018: 92.2%FY 2019: 89.9%FY 2020: 88.7%FY 2021: 97.6%FY 2022: 97.3%FY 2023: 85.8%FY 2024: 63.9%FY 2025: 73.2%
FY 2016 5y median 85.8% FY 2025
Operating Margin 19.5%
FY 2016: 31.5%FY 2017: 18.6%FY 2018: 23.2%FY 2019: 20.9%FY 2020: 17.8%FY 2021: 27.8%FY 2022: 32.1%FY 2023: 28.5%FY 2024: 28.0%FY 2025: 19.5%
FY 2016 5y median 28.0% FY 2025
Net Margin 16.9%
FY 2016: 15.7%FY 2017: 12.6%FY 2018: 19.9%FY 2019: 18.0%FY 2020: 15.8%FY 2021: 24.3%FY 2022: 28.3%FY 2023: 25.9%FY 2024: 15.9%FY 2025: 16.9%
FY 2016 5y median 24.3% FY 2025
ROE 8.0%
FY 2016: 6.3%FY 2017: 5.1%FY 2018: 8.2%FY 2019: 7.3%FY 2020: 5.7%FY 2021: 9.3%FY 2022: 13.9%FY 2023: 14.1%FY 2024: 8.5%FY 2025: 8.0%
FY 2016 5y median 9.3% FY 2025
ROIC 5.9%
FY 2016: 1.1%FY 2017: 4.7%FY 2018: 7.1%FY 2019: 1.6%FY 2020: 4.5%FY 2021: 7.8%FY 2022: 11.5%FY 2023: 11.6%FY 2024: 2.2%FY 2025: 5.9%
FY 2016 5y median 7.8% FY 2025
ROA 0.7%
FY 2016: 0.7%FY 2017: 0.6%FY 2018: 0.9%FY 2019: 0.9%FY 2020: 0.6%FY 2021: 0.8%FY 2022: 1.0%FY 2023: 1.1%FY 2024: 0.7%FY 2025: 0.7%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 1.9%
FY 2016: 0.9%FY 2017: 5.3%FY 2018: 6.1%FY 2019: 6.6%FY 2020: -6.3%FY 2021: 6.2%FY 2022: 5.1%FY 2023: 31.7%FY 2024: 5.1%FY 2025: 1.9%
FY 2016 FY 2025
Operating Income -29.2%
FY 2016: -0.6%FY 2017: -37.8%FY 2018: 32.2%FY 2019: -3.6%FY 2020: -20.5%FY 2021: 66.0%FY 2022: 21.6%FY 2023: 16.8%FY 2024: 3.5%FY 2025: -29.2%
FY 2016 FY 2025
EPS (diluted) 7.8%
FY 2016: 3.2%FY 2017: -12.5%FY 2018: 67.9%FY 2019: -6.4%FY 2020: -17.0%FY 2021: 63.0%FY 2022: 24.4%FY 2023: 20.3%FY 2024: -34.8%FY 2025: 7.8%
FY 2016 FY 2025
Free Cash Flow -42.4%
FY 2016: 26.2%FY 2017: 0.1%FY 2018: 64.5%FY 2019: -28.5%FY 2020: -37.9%FY 2021: 181.9%FY 2022: -5.4%FY 2023: 27.3%FY 2024: -38.8%FY 2025: -42.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 26.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 36.4×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.5×
FY 2016: 0.0×FY 2017: -3.3×FY 2018: -5.5×FY 2019: -7.6×FY 2020: -11.3×FY 2021: -7.6×FY 2022: -5.4×FY 2023: -5.2×FY 2024: -4.0×FY 2025: 0.5×
FY 2016 5y median -5.2× FY 2025
Interest Coverage 0.7×
FY 2016: 0.0×FY 2017: 3.9×FY 2018: 3.4×FY 2019: 2.0×FY 2020: 1.9×FY 2021: 6.4×FY 2022: 10.0×FY 2023: 2.0×FY 2024: 1.0×FY 2025: 0.7×
FY 2016 5y median 2.0× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 0.0%FY 2017: 1.8%FY 2018: 2.0%FY 2019: 2.0%FY 2020: 2.2%FY 2021: 2.1%FY 2022: 2.4%FY 2023: 3.5%FY 2024: 2.6%FY 2025: 2.5%
FY 2016 5y median 2.5% FY 2025
Payout Ratio 28.1%
FY 2016: 0.0%FY 2017: 35.0%FY 2018: 23.1%FY 2019: 26.3%FY 2020: 33.1%FY 2021: 21.3%FY 2022: 19.1%FY 2023: 17.5%FY 2024: 28.7%FY 2025: 28.1%
FY 2016 5y median 21.3% FY 2025

Annual · latest fiscal year ends 2025-12-31