Lumbee Guaranty BankLUMB 67 Net Margin % is 24.47% as of Mar. 2026, which is 9% above its 10-year median of 22.47. 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 1,525 Banks companies, Lumbee Guaranty Bank ranks worse than 59.74% on this metric.
The historical rank and industry rank for Lumbee Guaranty Bank's Net Margin % or its related term are showing as below:
LUMB'
s Net Margin % Range Over the Past 10 Years
Min: 13.23 Med: 22.47 Max: 30.2
Current: 23.84
LUMB's Net Margin % is ranked worse than 59.74% of 1525
companies
in the Banks industry
Industry Median: 26.87
vs LUMB: 23.84
Lumbee Guaranty Bank (OTCPK:LUMB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Lumbee Guaranty Bank Net Margin % Related Terms
Lumbee Guaranty Bank Net Margin % Historical Data
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The historical data trend for Lumbee Guaranty Bank's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Lumbee Guaranty Bank's Net Margin % 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 Net Margin % of 24.47% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Lumbee Guaranty Bank and its competitors. This is near median its historical median of 22.47. Over the past decade, Lumbee Guaranty Bank's Net Margin % has ranged from 13.23 to 30.20. According to the industry distribution chart, Lumbee Guaranty Bank ranks #911 out of 1525 companies in the Banks industry, placing it in the top 59.7%.
Is Lumbee Guaranty Bank's Net Margin % too high?
Lumbee Guaranty Bank's current Net Margin % of 24.47% is near median its 10-year median of 22.47. Over the past 10 years, this metric has ranged from a low of 13.23 to a high of 30.20. The Banks industry median Net Margin % is 26.87. Lumbee Guaranty Bank's value of 24.47% is 8.9% below this industry median. Based on the distribution chart, Lumbee Guaranty Bank ranks #911 out of 1525 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 Net Margin % compare to WDFN and UNBK?
According to the Banks industry distribution chart, Lumbee Guaranty Bank ranks #911 out of 1525 companies for Net Margin %. This places Lumbee Guaranty Bank in the lower half of its industry. The industry median Net Margin % is 26.87. Lumbee Guaranty Bank's value of 24.47% is 8.9% below this benchmark. Historically, Lumbee Guaranty Bank's own Net Margin % has ranged from 13.23 to 30.20 over the past decade. While the company's 10-year median is 22.47 vs. the industry median of 26.87, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.87, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lumbee Guaranty Bank's current Net Margin % of 24.47% is 8.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Lumbee Guaranty Bank and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lumbee Guaranty Bank's current Net Margin % is 24.47%, which is near median its own 10-year median of 22.47. 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 Net Margin % is 24.47%, which is near median its 10-year median of 22.47 and 8.9% below the Banks industry median of 26.87. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current Net Margin % is 24.47% 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:
Net Margin %: 24.47% (near median its 10-year median of 22.47)
GF Value™: $12.80 vs. price of $13.50 (5.5% above fair value)
Industry Position: 8.9% below the Banks median (#911 of 1525)
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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