The historical rank and industry rank for Lumbee Guaranty Bank's FCF Margin % or its related term are showing as below:
LUMB'
s FCF Margin % Range Over the Past 10 Years
Min: 13.28 Med: 24.56 Max: 35.97
Current: 13.28
During the past 9 years, the highest FCF Margin % of Lumbee Guaranty Bank was 35.97%. The lowest was 13.28%. And the median was 24.56%.
LUMB's FCF Margin % is ranked worse than 64.71% of 1502
companies
in the Banks industry
Industry Median: 26.585
vs LUMB: 13.28
Lumbee Guaranty Bank FCF Margin % Related Terms
Lumbee Guaranty Bank FCF Margin % Historical Data
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The historical data trend for Lumbee Guaranty Bank's FCF Margin % 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.
For the Banks - Regional subindustry, Lumbee Guaranty Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Lumbee Guaranty Bank's FCF Margin % 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Lumbee Guaranty Bank and its competitors. Over the past decade, Lumbee Guaranty Bank's FCF Margin % has ranged from 13.28 to 35.97. According to the industry distribution chart, Lumbee Guaranty Bank ranks #972 out of 1502 companies in the Banks industry, placing it in the top 64.7%.
Is Lumbee Guaranty Bank's FCF Margin % too high?
Lumbee Guaranty Bank's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 13.28 to a high of 35.97. Based on the distribution chart, Lumbee Guaranty Bank ranks #972 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Lumbee Guaranty Bank has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lumbee Guaranty Bank's FCF Margin % compare to WDFN and UNBK?
According to the Banks industry distribution chart, Lumbee Guaranty Bank ranks #972 out of 1502 companies for FCF Margin %. This places Lumbee Guaranty Bank in the lower half of its industry. The industry median FCF Margin % is 26.59. Historically, Lumbee Guaranty Bank's own FCF Margin % has ranged from 13.28 to 35.97 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.59, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Lumbee Guaranty Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lumbee Guaranty Bank's current FCF Margin % is 0.00%. 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 $12.80, compared to a current price of $13.50 — trading 5.5% above its estimated fair value. The current FCF Margin % is 0.00%. Lumbee Guaranty Bank's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current FCF Margin % is 0.00% as of Mar. 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 $13.50 is trading 5.5% above its estimated GF Value™ of $12.80.
GuruFocus considers Lumbee Guaranty Bank to be Fairly Valued.
Key valuation signals for LUMB:
FCF Margin %: 0.00%
GF Value™: $12.80 vs. price of $13.50 (5.5% above fair value)
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.
67GF Score
Get the complete analysis for LUMB
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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