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Lumbee Guaranty Bank (LUMB) fair value: what the stock is really worth

As of Nov 4, 2026: fair value (intrinsic value) of Lumbee Guaranty Bank stock $14.82, price $13.50, upside +9.8%, quality 50 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

LG Lumbee Guaranty Bank logo Some data Nov 9, 2026

Lumbee Guaranty Bank

LUMB · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Healthy Growth (revenue 5y +4.8 %/yr in USD)
Highly profitable · 24.4% net margin (TTM)
Fair value $14.82 · Fairly valued
Quality 50/100
Moderate moat 63/100 · thin data
Some data
Changed on Oct 29: $19.56 → $14.82
Trails peers (5/13)
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$14.32 $8.16 Fair Value $14.82 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $8.16 – $14.32 · fair‑value band $11.87 – $16.97 · the $13.50 price screens below the $14.82 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

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.

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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.

Stock analysis

Lumbee Guaranty Bank (LUMB) currently trades at $13.50, while our model-based Fair Value estimate is $14.82, so the stock looks roughly fairly valued today (gap 8.9%).

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Valuation

Bull case: the Multiples group reads highest at a median of $15.82 per share, and 3 of the 6 models we run sit above the $13.50 price.

Bear case: the Dividend Discount group reads lowest at $5.41, and 3 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $11.87 (bear) to $16.97 (bull), the price of $13.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Lumbee Guaranty Bank reported revenue of $17.8M in FY2025 versus $15.9M in FY2021, a compound +3.0%/yr. Reported net income was $4.1M in FY2025, compounding +0.8%/yr from FY2021.

Key figures

Market cap $44.7M Micro · P/E ratio 10.1 · P/S ratio 2.38 · EPS (TTM) $1.38 · Net margin 24.4% · Return on equity 8.7% · Return on assets 0.8% · Operating margin 28.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).

What moves the price

The share trades about 6% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 10%, LUMB screens cheaper than that median.

Fair Value models

Bear $11.87 Fair Value $14.82 Bull $16.97
Price $13.50 · Upside +9.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.19 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $13.76 $14.82 $16.97 76
Gordon GGM $3.49 $5.67 $8.24 68
DDM Multi-Stage $3.49 $5.15 $7.10 66
All 6 models by family
Dividend Discount
Gordon GGM $3.49 $5.67 $8.24 68
DDM Multi-Stage $3.49 $5.15 $7.10 66
Multiples
P/E Multiple $12.61 $16.81 $21.01 63
P/B Multiple $11.12 $14.83 $18.54 55
Asset-Based
NCAV (Graham) $7.97 $10.68 $15.93 54
Economic Profit
Residual Income $13.76 $14.82 $16.97 76

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Quality Score breakdown

Overall quality 50/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 43
Are margins and returns getting better?
Cashflow 57
Do the profits arrive as real cash?
Financial strength 19
Debt, balance sheet and risk of trouble
Investment 46
Does it invest with discipline instead of growing at any price?
Low Volatility 92
How calm the share price moves, does not count
Price momentum 44
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 43
Distance to the 52-week high, does not count
New shares 86
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 73/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+4.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
Start year 2020 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+6.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.7%
Dividend (yield on the price)0.0%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside +9.8% · Top 25%
Profitability
Return on equity (12 months) 8.7% · Below median
Return on assets 0.7% · Below median
Net margin (12 months) 24.4% · Below median
Operating margin (12 months) 28.2% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 9.0% · Below median
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.19× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.1× · Cheaper than median
P/B 0.86× · Cheaper than median
P/S (12 months) 2.38× · Cheapest 25%
Price / free cash flow (fiscal year) 18.4× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)46 · sector 7
FUTURE (revenue growth)45 · sector 47
PAST (return on equity)35 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 52

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.62 ¥7.59 +35% vs LUMB
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs LUMB
BNP Paribas SA BNP €93.98 €106.01 +13% vs LUMB
Intesa Sanpaolo S.p.A ISP €6.35 €4.49 −29% vs LUMB
UniCredit S.p.A UCG €81.62 €50.44 −38% vs LUMB
Mizuho Financial Group MFG $9.82 $5.89 −40% vs LUMB
Al Rajhi Banking and Investment Corporation 1120 62.25 SAR 36.95 SAR −41% vs LUMB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs LUMB
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs LUMB
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs LUMB

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Lumbee Guaranty Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Lumbee Guaranty Bank Fair Value". https://www.fairvalue-calculator.com/stock/LUMB

Frequently asked questions

Is Lumbee Guaranty Bank (LUMB) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $14.82 versus a price of $13.50, about +10% upside (fairly valued).
What is the fair value of LUMB?
Our model-based fair value for Lumbee Guaranty Bank is $14.82 (as of Nov 9, 2026), built from audited fundamentals. The current price: $13.50.
What is the quality score of LUMB?
Lumbee Guaranty Bank has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Lumbee Guaranty Bank (LUMB)?
Our model-based price target is the fair value of $14.82 (as of Nov 9, 2026) from 6 valuation models. Cautious scenario $11.87, optimistic scenario $16.97. It is a calculation from audited fundamentals, not an analyst target.
What is the Lumbee Guaranty Bank stock forecast for 2026?
Our models put fair value at $14.82, about +10% upside versus a price of $13.50 (fairly valued). Cautious scenario $11.87, optimistic scenario $16.97. The calculation is refreshed regularly with new filings.
What is the revenue of Lumbee Guaranty Bank (LUMB)?
Lumbee Guaranty Bank reported trailing-twelve-month revenue of about $18.8M (latest available figure, as of Nov 9, 2026).
What is the intrinsic value of Lumbee Guaranty Bank (LUMB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lumbee Guaranty Bank it is $14.82 per share (as of Nov 9, 2026), against a price of $13.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Lumbee Guaranty Bank stock overvalued or undervalued in 2026?
As of Nov 9, 2026, LUMB trades below its calculated fair value: price $13.50, fair value $14.82, a gap of about +10% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LUMB?
No. The price is what the market pays today ($13.50); the fair value is what the company's own numbers justify ($14.82). For Lumbee Guaranty Bank the two are $1.32 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lumbee Guaranty Bank worth?
The market values Lumbee Guaranty Bank at about $44.7M (market capitalisation, as of Nov 9, 2026). Per share that is $13.50; our models calculate a fair value of $14.82 per share.
What do the bullish and bearish scenarios say about LUMB?
Our models span a range for Lumbee Guaranty Bank: cautious scenario $11.87, base $14.82, optimistic $16.97 per share (as of Nov 9, 2026, price $13.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LUMB?
Lumbee Guaranty Bank trades at a price-to-earnings ratio of 10.1 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.82 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 11.2. Other multiples: P/B 0.9, P/S 2.4.
How solid is the balance sheet of Lumbee Guaranty Bank (LUMB)?
Balance-sheet figures for Lumbee Guaranty Bank (as of Nov 9, 2026): return on equity 8.7%, debt of 0.19 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is LUMB from its 52-week high?
Lumbee Guaranty Bank trades at $13.50, about 6% below its 52-week high of $14.30 and 6% above the low of $12.75 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of $14.82 is for.
Which stocks are comparable to Lumbee Guaranty Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Lumbee Guaranty Bank stock attractive at the current price?
The data as of Nov 9, 2026: price $13.50, calculated fair value $14.82 (+10%), Quality Score 50/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LUMB calculated?
We run Lumbee Guaranty Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $14.82 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.7% above its aggregate fair value. Lumbee Guaranty Bank currently trades 9% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Lumbee Guaranty Bank (LUMB)?
The closing price on Nov 4, 2026 was $13.50. Our model-based fair value is $14.82, about +10% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lumbee Guaranty Bank right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Lumbee Guaranty Bank

How large is the market capitalisation of Lumbee Guaranty Bank (LUMB)?
The market capitalisation of Lumbee Guaranty Bank is $44.7M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Lumbee Guaranty Bank (LUMB)?
The price-to-sales ratio of Lumbee Guaranty Bank is 2.38 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lumbee Guaranty Bank (LUMB)?
Earnings per share at Lumbee Guaranty Bank are $1.38 (price ÷ EPS = P/E 10.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Lumbee Guaranty Bank (LUMB)?
The net margin of Lumbee Guaranty Bank is 24.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Lumbee Guaranty Bank (LUMB)?
The return on equity (ROE) of Lumbee Guaranty Bank is 8.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Lumbee Guaranty Bank (LUMB)?
The return on assets (ROA) of Lumbee Guaranty Bank is 0.8% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Lumbee Guaranty Bank (LUMB)?
The operating margin of Lumbee Guaranty Bank is 28.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lumbee Guaranty Bank (LUMB)?
Revenue at Lumbee Guaranty Bank is growing +9.0% versus a year earlier (3y avg +1.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Lumbee Guaranty Bank (LUMB)?
Earnings per share at Lumbee Guaranty Bank are growing +24.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lumbee Guaranty Bank (LUMB) generate?
The free cash flow of Lumbee Guaranty Bank is $2.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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