Lumbee Guaranty BankLUMB 67 Pretax Margin % is 27.71% as of Mar. 2026, which is 3% above its 10-year median of 26.86. 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 69.51% on this metric.
The historical rank and industry rank for Lumbee Guaranty Bank's Pretax Margin % or its related term are showing as below:
LUMB'
s Pretax Margin % Range Over the Past 10 Years
Min: 19.52 Med: 26.86 Max: 33.18
Current: 27.4
LUMB's Pretax Margin % is ranked worse than 69.51% of 1525
companies
in the Banks industry
Industry Median: 34.66
vs LUMB: 27.40
Lumbee Guaranty Bank (OTCPK:LUMB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Lumbee Guaranty Bank Pretax Margin % Related Terms
Lumbee Guaranty Bank Pretax Margin % Historical Data
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The historical data trend for Lumbee Guaranty Bank's Pretax 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.
LUMB vs WDFN, UNBK, MBBC: Pretax Margin % Comparison
For the Banks - Regional subindustry, Lumbee Guaranty Bank's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Lumbee Guaranty Bank's Pretax 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 Pretax Margin % of 27.71% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Lumbee Guaranty Bank and its competitors. This is near median its historical median of 26.86. Over the past decade, Lumbee Guaranty Bank's Pretax Margin % has ranged from 19.52 to 33.18. According to the industry distribution chart, Lumbee Guaranty Bank ranks #1060 out of 1525 companies in the Banks industry, placing it in the top 69.5%.
Is Lumbee Guaranty Bank's Pretax Margin % too high?
Lumbee Guaranty Bank's current Pretax Margin % of 27.71% is near median its 10-year median of 26.86. Over the past 10 years, this metric has ranged from a low of 19.52 to a high of 33.18. The Banks industry median Pretax Margin % is 34.66. Lumbee Guaranty Bank's value of 27.71% is 20.1% below this industry median. Based on the distribution chart, Lumbee Guaranty Bank ranks #1060 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 Pretax Margin % compare to WDFN and UNBK?
According to the Banks industry distribution chart, Lumbee Guaranty Bank ranks #1060 out of 1525 companies for Pretax Margin %. This places Lumbee Guaranty Bank in the lower half of its industry. The industry median Pretax Margin % is 34.66. Lumbee Guaranty Bank's value of 27.71% is 20.1% below this benchmark. Historically, Lumbee Guaranty Bank's own Pretax Margin % has ranged from 19.52 to 33.18 over the past decade. While the company's 10-year median is 26.86 vs. the industry median of 34.66, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.66, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lumbee Guaranty Bank's current Pretax Margin % of 27.71% is 20.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Lumbee Guaranty Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lumbee Guaranty Bank's current Pretax Margin % is 27.71%, which is near median its own 10-year median of 26.86. 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 Pretax Margin % is 27.71%, which is near median its 10-year median of 26.86 and 20.1% below the Banks industry median of 34.66. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current Pretax Margin % is 27.71% 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:
Pretax Margin %: 27.71% (near median its 10-year median of 26.86)
GF Value™: $12.80 vs. price of $13.50 (5.5% above fair value)
Industry Position: 20.1% below the Banks median (#1060 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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