LUMB (Lumbee Guaranty Bank) Moat Score: 3/10 (As of Jul. 11, 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 Moat Score?

Lumbee Guaranty Bank LUMB 67 Moat Score is 3 as of Jul. 11, 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. Among 1,608 Banks companies, Lumbee Guaranty Bank ranks better than 74.5% on this metric.

Lumbee Guaranty Bank has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Lumbee Guaranty Bank has No Moat: Lumbee Guaranty Bank operates in a competitive banking sector with minimal differentiation. It lacks significant cost advantages, brand strength, or regulatory barriers, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Lumbee Guaranty Bank might have No Moat - Very weak/transient advantages.

Lumbee Guaranty Bank  (OTCPK:LUMB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Lumbee Guaranty Bank Moat Score Related Terms

LUMB vs WDFN, UNBK, MBBC: Moat Score Comparison

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

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

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


LUMB
67GF Score
Lumbee Guaranty Bank LUMB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Lumbee Guaranty Bank (LUMB) has a Moat Score of 3 as of Jul. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Lumbee Guaranty Bank ranks #410 out of 1608 companies in the Banks industry, placing it in the top 25.5%.
Is Lumbee Guaranty Bank's Moat Score too high?
Lumbee Guaranty Bank's current Moat Score is 3. Based on the distribution chart, Lumbee Guaranty Bank ranks #410 out of 1608 companies in the Banks industry, which is above 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 Moat Score compare to WDFN and UNBK?
According to the Banks industry distribution chart, Lumbee Guaranty Bank ranks #410 out of 1608 companies for Moat Score. This puts Lumbee Guaranty Bank in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Lumbee Guaranty Bank's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current Moat Score is 3 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:

  • Moat Score: 3
  • 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13.50
Price
$12.80
GF Value