Lumbee Guaranty Bank

LUMB

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Other OTC

13.99

USD

- -

45.10MMarket Cap

Income Statement (USD)

API Chat

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	14	15	15	14	16	17	20	17	18
+ Sales & Services Revenue	14	15	15	14	16	17	20	17	18
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	7	6	6	6	7	6	7	7	8
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-7	-6	-6	-6	-7	-6	-7	-7	-8
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-3	-4	-3	-3	-5	-6	-7	-5	-5
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-3	-4	-3	-3	-5	-6	-7	-5	-5
Pretax Income	3	4	3	3	5	6	7	5	5
- Income Tax Expense (Benefit)	1	1	- -	- -	1	1	1	1	1
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	2	3	3	2	4	5	6	4	4
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	2	3	3	2	4	5	6	4	4
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	2	3	3	2	4	5	6	4	4
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	2	3	3	2	4	5	6	4	4
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	- -	- -	1	1	1	1	1	1
EBITDA Margin (%)	3.83	3.27	3.31	4.16	3.73	3.29	2.82	3.72	3.55
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	13.23	21.29	20.19	17.44	25.36	29.24	30.2	22.48	23.24
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.2	0.22	0.23	0.24	0.25	0.28	0.31	0.33	0.35
Depreciation Expense	1	- -	- -	1	1	1	1	1	1
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3
Basic EPS, GAAP	0.56	0.94	0.88	0.73	1.19	1.48	1.78	1.16	1.25
Basic EPS from Cont Ops	0.56	0.94	0.88	0.73	1.19	1.48	1.78	1.16	1.25
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	3
Diluted EPS, GAAP	0.56	0.94	0.88	0.73	1.19	1.48	1.78	1.16	1.25
Diluted EPS from Cont Ops	0.56	0.94	0.88	0.73	1.19	1.48	1.78	1.16	1.25

Balance Sheet (USD)

API Chat

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	68	83	84	109	140	130	157	136	140
+ Cash & Cash Equivalents	13	27	31	45	42	35	44	25	32
+ ST Investments	55	57	53	64	98	95	112	111	108
+ Accounts & Notes Receiv	1	1	1	2	2	2	3	3	3
+ Accounts Receivable, Net	1	1	1	2	2	2	3	3	3
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-69	-85	-85	-111	-142	-133	-159	-139	-143
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	9	9	- -	- -	- -	8	8	8	10
+ Property, Plant & Equip	15	15	- -	- -	- -	16	16	16	19
- Accumulated Depreciation	6	6	- -	- -	- -	8	8	9	9
+ LT Investments & Receivables	107	105	100	137	228	237	252	248	268
+ LT Investments	107	105	100	137	228	237	252	248	268
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-116	-114	-100	-137	-228	-245	-260	-255	-278
+ Total Intangible Assets	1	1	1	1	1	1	1	1	1
+ Goodwill	- -	- -	- -	- -	- -	1	1	1	1
+ Other Intangible Assets	1	1	1	1	1	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-117	-114	-101	-138	-229	-246	-261	-256	-279
Total Assets	319	336	344	417	473	484	520	520	561
+ Payables & Accruals	3	3	- -	- -	- -	- -	2	- -	- -
+ Accounts Payable	3	3	- -	- -	- -	- -	2	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-3	-3	- -	- -	- -	- -	-2	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-3	-3	- -	- -	- -	- -	-2	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	1	3	1	5	- -	- -	- -	- -	10
+ LT Borrowings	1	3	1	5	- -	- -	- -	- -	10
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-1	-3	-1	-5	- -	- -	- -	- -	-10
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	1	1	2	2	2	1	1	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-2	-4	-2	-7	-3	-1	-1	- -	-10
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	283	298	303	374	430	449	477	475	510
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	14	14	14	14	13	13	13	13	13
+ Common Stock	7	7	7	7	7	7	7	7	7
+ Additional Paid in Capital	7	7	7	7	7	6	6	6	6
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	24	26	29	30	33	37	43	45	48
+ Other Equity	-2	-2	-2	-1	-3	-15	-13	-13	-9
Equity Before Minority Interest	36	38	41	43	43	35	42	45	52
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	36	38	41	43	43	35	42	45	52
Total Liabilities & Equity	319	336	344	417	473	484	520	520	561
Shares Outstanding	3	3	3	3	3	3	3	3	3
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-12	-24	-30	-40	-42	-35	-44	-25	-22
Net Debt to Equity	-33.21	-62.6	-73.9	-92.4	-96.66	-100.08	-104.69	-55.56	-42.65
Tangible Common Equity Ratio	11.17	11.09	11.72	10.16	9.02	7.19	8.03	8.58	9.11
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	2	3	3	2	4	5	6	4	4
+ Depreciation & Amortization	1	- -	- -	1	1	1	1	1	1
+ Non-Cash Items	1	1	- -	1	1	2	1	1	1
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	1	- -	1	1	2	1	1	1
+ Chg in Non-Cash Work Cap	- -	- -	1	-1	- -	-2	-1	- -	-1
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	-1	- -	-1	1	-1	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	2	- -	- -
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	-3	1	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	3	5	4	2	6	6	7	5	5
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	-1	- -	- -	- -	- -	-1	-3
+ Acq of Fixed Prod Assets	- -	- -	-1	- -	- -	- -	- -	-1	-3
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	5	1	6	-37	-95	-27	-15	2	-17
+ Dec in LT Investment	14	12	29	29	45	18	9	14	23
+ Inc in LT Investment	-10	-11	-23	-66	-140	-45	-24	-12	-40
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-3	-6	-8	-21	32	-3	-12	-22	-12
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	1	-5	-3	-58	-63	-31	-27	-20	-32
+ Dividends Paid	-1	-1	-1	-1	-1	-1	-1	-1	-1
+ Net Cash From Debt	- -	2	-2	4	-5	- -	- -	- -	10
+ Cash From Debt	- -	2	- -	4	- -	- -	- -	5	30
+ Repayments of Debt	- -	- -	-2	- -	-5	- -	- -	-5	-20
+ Other Financing Activities	-13	13	6	67	60	20	30	-3	25
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-14	14	3	70	54	19	29	-4	34
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-10	14	4	14	-3	-6	9	-19	7
EBITDA	1	- -	- -	1	1	1	1	1	1
EBITDA Margin (%)	3.83	3.27	3.31	4.16	3.73	3.29	2.82	3.72	3.55
Free Cash Flow	3	5	3	2	6	5	7	4	2
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	3	5	3	2	6	5	7	4	2
Free Cash Flow to Equity	- -	6	1	6	1	5	7	4	12
Free Cash Flow per Basic Share	0.84	1.38	0.95	0.6	1.69	1.61	2.06	1.26	0.73
Price/Free Cash Flow	- -	- -	7.5	12.97	7.06	6.47	3.99	7.79	6.08
Cash Flow to Net Income	1.6	1.52	1.4	0.99	1.44	1.16	1.21	1.27	1.21
Capital Expenditures	- -	- -	-1	- -	- -	- -	- -	-1	-3