Lumbee Guaranty BankLUMB 67 FCF Yield % is 5.43 as of Jul. 11, 2026, which is 142% above its 10-year median of 2.24. GuruFocus rates LUMB with a GF Score™ of 67/100 and a GF Value™ of $12.80 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,501 Banks companies, Lumbee Guaranty Bank ranks worse than 61.69% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Lumbee Guaranty Bank FCF Yield % Related Terms
Lumbee Guaranty Bank FCF Yield % Historical Data
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The historical data trend for Lumbee Guaranty Bank's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Lumbee Guaranty Bank's FCF Yield % 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 Yield % of 5.43 as of Jul. 11, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Lumbee Guaranty Bank and its competitors. This is 142% above median its historical median of 2.24. Over the past decade, Lumbee Guaranty Bank's FCF Yield % has ranged from 2.12 to 5.43. According to the industry distribution chart, Lumbee Guaranty Bank ranks #926 out of 1501 companies in the Banks industry, placing it in the top 61.7%.
Is Lumbee Guaranty Bank's FCF Yield % too high?
Lumbee Guaranty Bank's current FCF Yield % of 5.43 is 142% above median its 10-year median of 2.24. Over the past 10 years, this metric has ranged from a low of 2.12 to a high of 5.43. The Banks industry median FCF Yield % is 8.15. Lumbee Guaranty Bank's value of 5.43 is 33.4% below this industry median. Based on the distribution chart, Lumbee Guaranty Bank ranks #926 out of 1501 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 Yield % compare to WDFN and UNBK?
According to the Banks industry distribution chart, Lumbee Guaranty Bank ranks #926 out of 1501 companies for FCF Yield %. This places Lumbee Guaranty Bank in the lower half of its industry. The industry median FCF Yield % is 8.15. Lumbee Guaranty Bank's value of 5.43 is 33.4% below this benchmark. Historically, Lumbee Guaranty Bank's own FCF Yield % has ranged from 2.12 to 5.43 over the past decade. While the company's 10-year median is 2.24 vs. the industry median of 8.15, Lumbee Guaranty Bank has consistently been below 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.15, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lumbee Guaranty Bank's current FCF Yield % of 5.43 is 33.4% below 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Lumbee Guaranty Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lumbee Guaranty Bank's current FCF Yield % is 5.43, which is 142% above median its own 10-year median of 2.24. 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 Yield % is 5.43, which is 142% above median its 10-year median of 2.24 and 33.4% below the Banks industry median of 8.15. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current FCF Yield % is 5.43 as of Jul. 11, 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 Yield %: 5.43 (142% above median its 10-year median of 2.24)
GF Value™: $12.80 vs. price of $13.50 (5.5% above fair value)
Industry Position: 33.4% below the Banks median (#926 of 1501)
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
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