LUMB (Lumbee Guaranty Bank) Net Loan: $240.76 Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LUMB Lumbee Guaranty Bank LUMB
65 GF Score
Price $14.30
GF Value $13.63
Valuation Fairly Valued
! 3 Warning Signs
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What is Lumbee Guaranty Bank Net Loan?

Lumbee Guaranty Bank LUMB 65 Net Loan is $240.76 Mil as of Jun. 2026. GuruFocus rates LUMB with a GF Score™ of 65/100 and a GF Value™ of $13.63 (Fairly Valued). The stock has 3 warning signs investors should review.

Lumbee Guaranty Bank's quarterly net loan increased from Dec. 2025 ($228.74 Mil) to Mar. 2026 ($232.77 Mil) and increased from Mar. 2026 ($232.77 Mil) to Jun. 2026 ($240.76 Mil).

Lumbee Guaranty Bank's annual net loan increased from Dec. 2023 ($194.30 Mil) to Dec. 2024 ($232.77 Mil) and increased from Dec. 2024 ($232.77 Mil) to Dec. 2025 ($240.76 Mil).

Lumbee Guaranty Bank Net Loan Historical Data

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The historical data trend for Lumbee Guaranty Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Lumbee Guaranty Bank Net Loan Chart

Lumbee Guaranty Bank Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only 178.70 183.35 194.30 216.55 228.74

Lumbee Guaranty Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 222.42 224.45 228.74 232.77 240.76
LUMB
65GF Score
Lumbee Guaranty Bank LUMB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Lumbee Guaranty Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $240.76 Mil mean?
Lumbee Guaranty Bank (LUMB) has a Net Loan of $240.76 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Lumbee Guaranty Bank and its competitors.
Is Lumbee Guaranty Bank's Net Loan too high?
Lumbee Guaranty Bank's current Net Loan is $240.76 Mil. Overall, Lumbee Guaranty Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lumbee Guaranty Bank's Net Loan compare to ESBS and UNBK?
Lumbee Guaranty Bank's Net Loan of $240.76 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Lumbee Guaranty Bank and its competitors. Lumbee Guaranty Bank's current Net Loan is $240.76 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lumbee Guaranty Bank stock overvalued right now?
Based on GuruFocus' analysis, Lumbee Guaranty Bank (LUMB) is currently considered Fairly Valued. The stock's GF Value™ is $13.63, compared to a current price of $14.30 — trading 4.9% above its estimated fair value. The current Net Loan is $240.76 Mil. Lumbee Guaranty Bank's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current Net Loan is $240.76 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Lumbee Guaranty Bank (LUMB) Overvalued in 2026?

Based on GuruFocus' analysis, Lumbee Guaranty Bank stock appears to be overvalued. The current stock price of $14.30 is trading 4.9% above its estimated GF Value™ of $13.63. GuruFocus considers Lumbee Guaranty Bank to be Fairly Valued.

Key valuation signals for LUMB:

  • Net Loan: $240.76 Mil
  • GF Value™: $13.63 vs. price of $14.30 (4.9% above fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the LUMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Lumbee Guaranty Bank Business Description

Address 403 East Third Street, PO Box 908, Pembroke, NC, USA, 28372
Lumbee Guaranty Bank is a state-chartered bank. The community bank is engaged in providing full service banking through Thirteen branch offices in Robeson, Cumberland, and Hoke counties in North Carolina. The Bank extends both commercial and consumer loans throughout its market area and offers a full range of deposit accounts for its customer base.
65GF Score

Get the complete analysis for LUMB

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.30
Price
$13.63
GF Value