LUMB (Lumbee Guaranty Bank) Margin of Safety % (DCF Dividends Based): N/A (As of Jul. 12, 2026)


LUMB Lumbee Guaranty Bank LUMB
67 GF Score
Price $13.50
GF Value $12.80
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Lumbee Guaranty Bank Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

Lumbee Guaranty Bank's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

LUMB vs WDFN, UNBK, MBBC: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Lumbee Guaranty Bank's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Lumbee Guaranty Bank's Margin of Safety % (DCF Dividends Based) falls into.


LUMB
67GF Score
Lumbee Guaranty Bank LUMB
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • 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

Get the complete analysis for LUMB

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13.50
Price
$12.80
GF Value