LUMB (Lumbee Guaranty Bank) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)


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 LT-Debt-to-Total-Asset?

Lumbee Guaranty Bank LUMB 67 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Lumbee Guaranty Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Lumbee Guaranty Bank's long-term debt to total assets ratio increased from Mar. 2025 (0.00) to Mar. 2026 (0.02). It may suggest that Lumbee Guaranty Bank is progressively becoming more dependent on debt to grow their business.

Lumbee Guaranty Bank  (OTCPK:LUMB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Lumbee Guaranty Bank LT-Debt-to-Total-Asset Related Terms

Lumbee Guaranty Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Lumbee Guaranty Bank's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Lumbee Guaranty Bank Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only 0.00 0.00 0.00 0.00 0.02

Lumbee Guaranty Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.00 0.02 0.02
LUMB
67GF Score
Lumbee Guaranty Bank LUMB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Lumbee Guaranty Bank LT-Debt-to-Total-Asset Calculation

Lumbee Guaranty Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=10/561.38
=0.02

Lumbee Guaranty Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=10/559.627
=0.02

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.02 mean?
Lumbee Guaranty Bank (LUMB) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Lumbee Guaranty Bank and its competitors.
Is Lumbee Guaranty Bank's LT-Debt-to-Total-Asset too high?
Lumbee Guaranty Bank's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to WDFN and UNBK?
Lumbee Guaranty Bank's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Lumbee Guaranty Bank and its competitors. Lumbee Guaranty Bank's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current LT-Debt-to-Total-Asset is 0.02 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:

  • LT-Debt-to-Total-Asset: 0.02
  • 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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13.50
Price
$12.80
GF Value