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Lumbee Guaranty Bank (LUMB) Fair Value & Analysis

Financial Services · US · Market cap $44.9M

Price$13.50
Fair Value$16.81
Upside+24.5%
Quality95/100
Evidence: High Range $12.61 – $21.01

Fair value as of: Jun 26, 2026

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Analysis

Lumbee Guaranty Bank (LUMB) currently trades at $13.50, while our model-based Fair Value estimate is $16.81 — implying the stock looks roughly 24.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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 …

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Frequently asked questions

Is Lumbee Guaranty Bank (LUMB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $16.81 versus a price of $13.50 — about +25% (undervalued). Model-based estimate, not financial advice.
What is the fair value of LUMB?
Our 21-model fair value for Lumbee Guaranty Bank is $16.81 (as of Jun 26, 2026), built from audited fundamentals. The current price is $13.50.
What is the quality score of LUMB?
Lumbee Guaranty Bank has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.