LUMB (Lumbee Guaranty Bank) GF Score: 67/100 (As of Jul. 11, 2026) — 26% Above Median


LUMB Lumbee Guaranty Bank LUMB
67 GF Score
Price $13.50
GF Value $12.80
Valuation Fairly Valued
! 2 Warning Signs
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What is Lumbee Guaranty Bank GF Score?

Lumbee Guaranty Bank LUMB 67 GF Score is 67 as of Jul. 11, 2026, which is 26% above its 10-year median of 53.00. 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.

Lumbee Guaranty Bank has the GF Score of 67, which implies that the company might have Poor future performance potential.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 4/10
2. Profitability Rank : 5/10
3. Growth Rank : 3/10
4. GF Value Rank : 7/10
5. Momentum Rank : 7/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Lumbee Guaranty Bank might have Poor future performance potential.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Lumbee Guaranty Bank  (OTCPK:LUMB) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Lumbee Guaranty Bank GF Score Related Terms

LUMB vs WDFN, UNBK, MBBC: GF Score Comparison

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

For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's GF Score distribution charts can be found below:

* The bar in red indicates where Lumbee Guaranty Bank's GF Score falls into.


LUMB
67GF Score
Lumbee Guaranty Bank LUMB
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 67 mean?
Lumbee Guaranty Bank (LUMB) has a GF Score of 67 as of Jul. 11, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Lumbee Guaranty Bank and its competitors. This is 26% above median its historical median of 53.00. Over the past decade, Lumbee Guaranty Bank's GF Score has ranged from 18.00 to 73.00.
Is Lumbee Guaranty Bank's GF Score too high?
Lumbee Guaranty Bank's current GF Score of 67 is 26% above median its 10-year median of 53.00. Over the past 10 years, this metric has ranged from a low of 18.00 to a high of 73.00. 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 GF Score compare to WDFN and UNBK?
Lumbee Guaranty Bank's GF Score of 67 can be compared against companies in the Banks industry. Historically, Lumbee Guaranty Bank's own GF Score has ranged from 18.00 to 73.00 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 GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Lumbee Guaranty Bank and its competitors. Lumbee Guaranty Bank's current GF Score is 67, which is 26% above median its own 10-year median of 53.00. 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 GF Score is 67, which is 26% above median its 10-year median of 53.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current GF Score is 67 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:

  • GF Score: 67 (26% above median its 10-year median of 53.00)
  • GF Value™: $12.80 vs. price of $13.50 (5.5% above fair value)
  • GF Score™: 67/100 with 2 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.
67GF Score

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

$13.50
Price
$12.80
GF Value