LUMB (Lumbee Guaranty Bank) EV-to-FCF: (As of Aug. 26, 2026)

Author: Vera Yuan Vera Yuan
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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
64 GF Score
Price $13.25
GF Value $13.64
Valuation Fairly Valued
! 3 Warning Signs
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What is Lumbee Guaranty Bank EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Lumbee Guaranty Bank's Enterprise Value is $65.39 Mil. Lumbee Guaranty Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $0.00 Mil. Therefore, Lumbee Guaranty Bank's EV-to-FCF for today is .

The historical rank and industry rank for Lumbee Guaranty Bank's EV-to-FCF or its related term are showing as below:

LUMB' s EV-to-FCF Range Over the Past 10 Years
Min: 3.43   Med: 8.75   Max: 27.33
Current: 26.99

During the past 9 years, the highest EV-to-FCF of Lumbee Guaranty Bank was 27.33. The lowest was 3.43. And the median was 8.75.

LUMB's EV-to-FCF is ranked worse than
89.32% of 1180 companies
in the Banks industry
Industry Median: 7.045 vs LUMB: 26.99

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-26), Lumbee Guaranty Bank's stock price is $13.25. Lumbee Guaranty Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $1.380. Therefore, Lumbee Guaranty Bank's PE Ratio (TTM) for today is 9.60.


Lumbee Guaranty Bank  (OTCPK:LUMB) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Lumbee Guaranty Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=13.25/1.380
=9.60

Lumbee Guaranty Bank's share price for today is $13.25.
Lumbee Guaranty Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.380.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Lumbee Guaranty Bank EV-to-FCF Related Terms


Lumbee Guaranty Bank EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Lumbee Guaranty Bank's EV-to-FCF 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 EV-to-FCF Chart

Lumbee Guaranty Bank Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only -0.08 0.65 -2.07 4.28 10.01

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
EV-to-FCF 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 0.00 0.00 10.01 0.00 0.00

LUMB vs ESBS, UNBK, MBBC: EV-to-FCF Comparison

For the Banks - Regional subindustry, Lumbee Guaranty Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Lumbee Guaranty Bank's EV-to-FCF falls into.


LUMB
64GF Score
Lumbee Guaranty Bank LUMB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Lumbee Guaranty Bank EV-to-FCF Calculation

Lumbee Guaranty Bank's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=65.386/0
=

Lumbee Guaranty Bank's current Enterprise Value is $65.39 Mil.
Lumbee Guaranty Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

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 $13.25 is trading 2.9% below its estimated GF Value™ of $13.64. GuruFocus considers Lumbee Guaranty Bank to be Fairly Valued.

Key valuation signals for LUMB:

  • EV-to-FCF:
  • GF Value™: $13.64 vs. price of $13.25 (2.9% below fair value)
  • GF Score™: 64/100 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.
64GF Score

Get the complete analysis for LUMB

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

$13.25
Price
$13.64
GF Value