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Lumbee Guaranty BankLUMB 64 Debt-to-Equity is 0.72 as of Jun. 2026, which is 2300% above its 10-year median of 0.03. GuruFocus rates LUMB with a GF Score™ of 64/100 and a GF Value™ of $13.64 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,413 Banks companies, Lumbee Guaranty Bank ranks worse than 58.1% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Lumbee Guaranty Bank's Debt-to-Equity or its related term are showing as below:
LUMB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.03 Max: 0.72
Current: 0.72
During the past 9 years, the highest Debt-to-Equity Ratio of Lumbee Guaranty Bank was 0.72. The lowest was 0.00. And the median was 0.03.
LUMB's Debt-to-Equity is ranked worse than 58.1% of 1413
companies
in the Banks industry
Industry Median: 0.58
vs LUMB: 0.72
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Lumbee Guaranty Bank Debt-to-Equity Related Terms
Lumbee Guaranty Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Lumbee Guaranty Bank's Debt-to-Equity 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.
LUMB vs MBBC, HCKG, UNBK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Lumbee Guaranty Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Lumbee Guaranty Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Lumbee Guaranty Bank's Debt-to-Equity falls into.
* 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 (LUMB) has a Debt-to-Equity of 0.72 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Lumbee Guaranty Bank and its competitors. This is 2300% above median its historical median of 0.03. According to the industry distribution chart, Lumbee Guaranty Bank ranks #821 out of 1413 companies in the Banks industry, placing it in the top 58.1%.
Is Lumbee Guaranty Bank's Debt-to-Equity too high?
Lumbee Guaranty Bank's current Debt-to-Equity of 0.72 is 2300% above median its 10-year median of 0.03. The Banks industry median Debt-to-Equity is 0.58. Lumbee Guaranty Bank's value of 0.72 is 24.1% above this industry median. Based on the distribution chart, Lumbee Guaranty Bank ranks #821 out of 1413 companies in the Banks industry, which is below the industry midpoint. Overall, Lumbee Guaranty Bank has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lumbee Guaranty Bank's Debt-to-Equity compare to MBBC and HCKG?
According to the Banks industry distribution chart, Lumbee Guaranty Bank ranks #821 out of 1413 companies for Debt-to-Equity. This places Lumbee Guaranty Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Lumbee Guaranty Bank's value of 0.72 is 24.1% above this benchmark. While the company's 10-year median is 0.03 vs. the industry median of 0.58, Lumbee Guaranty Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lumbee Guaranty Bank's current Debt-to-Equity of 0.72 is 24.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Lumbee Guaranty Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lumbee Guaranty Bank's current Debt-to-Equity is 0.72, which is 2300% above median its own 10-year median of 0.03. 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 $13.64, compared to a current price of $13.50 — trading 1% below its estimated fair value. The current Debt-to-Equity is 0.72, which is 2300% above median its 10-year median of 0.03 and 24.1% above the Banks industry median of 0.58. Lumbee Guaranty Bank's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current Debt-to-Equity is 0.72 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 undervalued.
The current stock price of $13.50 is trading 1% below its estimated GF Value™ of $13.64.
GuruFocus considers Lumbee Guaranty Bank to be Fairly Valued.
Key valuation signals for LUMB:
Debt-to-Equity: 0.72 (2300% above median its 10-year median of 0.03)
GF Value™: $13.64 vs. price of $13.50 (1% below fair value)
Industry Position: 24.1% above the Banks median (#821 of 1413)
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 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.
64GF Score
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