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    Financial Services

  3. •

    Banks - Regional
Lumbee Guaranty Bank

Lumbee Guaranty Bank

LUMB
Lumbee Guaranty BankUS flagOther OTC
13.99
USD
- -
- -
45.10MMarket Cap
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.23
4.4
4.35
4.16
4.7
5.05
5.91
5.15
5.38
5.19
Basic EPS, GAAP
0.56
0.94
0.88
0.73
1.19
1.48
1.78
1.16
1.25
1.04
Free Cash Flow per Basic Share
0.84
1.38
0.95
0.6
1.69
1.61
2.06
1.26
0.73
- -
Dividend per Share
0.2
0.22
0.23
0.24
0.25
0.28
0.31
0.33
0.35
- -
Book Value per Share
9.32
10.04
10.38
10.9
11.9
13.2
14.78
15.64
16.6
- -
Tangible Book Value per Share
10.74
11.23
11.77
12.44
12.63
10.4
12.48
13.38
15.42
14.49
Basic Weighted Avg Shares
3
3
3
3
3
3
3
3
3
3
Sales/Revenue/Turnover
14
15
15
14
16
17
20
17
18
17
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
- -
- -
1
1
1
1
1
1
- -
Net Income, GAAP
2
3
3
2
4
5
6
4
4
3
Effective Tax Rate (%)
32.21
14.26
13.94
11.06
12.67
11.86
8.9
18.92
13.47
21.39
Profit Margin (%)
13.23
21.29
20.19
17.44
25.36
29.24
30.2
22.48
23.24
19.96
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1
3
1
5
- -
- -
- -
- -
10
- -
Total Equity
36
38
41
43
43
35
42
45
52
48
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
9.67
8.74
6.8
10.41
11.7
12.74
7.59
7.74
- -

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
- -
- -
Market Capitalization
43
40
47

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
136
- -
31
Accounts Receivable, Net
3
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
4.65%
14.52%
Free Cash Flow
- -
24.51%
-42.39%
Net Income, GAAP
- -
15.75%
7.71%
Sales/Revenue/Turnover
- -
5.28%
4.17%
Total Cash Common Dividend
- -
7.38%
5.54%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4
4
4
4
17
2025
4
4
- -
- -
18
2026
5
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.36
0.34
0.28
- -
1.16
2025
0.29
0.29
- -
- -
1.25
2026
0.35
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.33
2025
- -
- -
- -
- -
0.35
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Kyle R. Chavis
Full Time Employees
100
Sector
Financial Services
Industry
Banks - Regional
Address
403 East Third Street Pembroke NC United States of America 28372
IPO Date
Nov 22, 2019
Website
lumbeeguarantybank.com
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Business
Lumbee Guaranty Bank is a community bank headquartered in Pembroke, North Carolina, operating primarily in Robeson, Cumberland, and Hoke counties. Established in 1971, the bank offers a comprehensive range of financial products and services including personal checking, savings accounts, certificates of deposit, individual retirement accounts, and a variety of loan products such as mortgage loans, personal loans, lines of credit, credit cards, and auto and recreational vehicle loans. It also provides business banking services comprising business checking and savings accounts, business investments, and business loans. Additionally, Lumbee Guaranty Bank offers digital and convenience services including online banking, mobile banking with an upgraded app, digital wallet, and telephone banking, as well as wire transfers and safe deposit boxes. In the last two years, Lumbee Guaranty Bank has undergone significant operational improvements through a core system upgrade with CSI, enhancing its technology platform to improve efficiency and customer service. This upgrade introduced new debit cards with EMV contactless chips, an enhanced mobile banking application, an improved online banking experience, and a redesigned website. The bank also launched a digital insurance agency in partnership with Insuritas and Community Insurance Services, providing customers access to a wide range of insurance products including auto, home, business, pet, and travel insurance through over 40 carrier partners. Furthermore, the bank strengthened community ties through a $100,000 investment partnership with the Lumbee Tribe of North Carolina focused on cultural center restoration. Lumbee Guaranty Bank is publicly traded on the OTC-QX under the ticker symbol LUMB. Its operations are deeply rooted in serving the communities of southeastern North Carolina with a focus on personal and business banking needs. The bank continues to expand its service offerings while maintaining roots in community banking through its network of fourteen branch offices across its service region. Its ongoing strategic partnerships and technological upgrades position it for sustainable growth in regional markets.