LUMB (Lumbee Guaranty Bank) ROE % Adjusted to Book Value: 9.80% (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 ROE % Adjusted to Book Value?

Lumbee Guaranty Bank LUMB 67 ROE % Adjusted to Book Value is 9.80% 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.

Lumbee Guaranty Bank's ROE % for the quarter that ended in Mar. 2026 was 8.92%. Lumbee Guaranty Bank's PB Ratio for the quarter that ended in Mar. 2026 was 0.91. Lumbee Guaranty Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 9.80%.

Lumbee Guaranty Bank ROE % Adjusted to Book Value Related Terms

Lumbee Guaranty Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Lumbee Guaranty Bank's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Lumbee Guaranty Bank Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only 9.72 11.41 21.61 9.27 9.51

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
ROE % Adjusted to Book Value 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 8.26 10.36 9.59 9.80

LUMB vs WDFN, UNBK, MBBC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Lumbee Guaranty Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Lumbee Guaranty Bank's ROE % Adjusted to Book Value falls into.


LUMB
67GF Score
Lumbee Guaranty Bank LUMB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Lumbee Guaranty Bank ROE % Adjusted to Book Value Calculation

Lumbee Guaranty Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.56% / 0.90
=9.51%

Lumbee Guaranty Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.92% / 0.91
=9.80%

* 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.

What does a ROE % Adjusted to Book Value of 9.80% mean?
Lumbee Guaranty Bank (LUMB) has a ROE % Adjusted to Book Value of 9.80% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Lumbee Guaranty Bank and its competitors.
Is Lumbee Guaranty Bank's ROE % Adjusted to Book Value too high?
Lumbee Guaranty Bank's current ROE % Adjusted to Book Value is 9.80%. 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 ROE % Adjusted to Book Value compare to WDFN and UNBK?
Lumbee Guaranty Bank's ROE % Adjusted to Book Value of 9.80% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Lumbee Guaranty Bank and its competitors. Lumbee Guaranty Bank's current ROE % Adjusted to Book Value is 9.80%. 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 ROE % Adjusted to Book Value is 9.80%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current ROE % Adjusted to Book Value is 9.80% 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:

  • ROE % Adjusted to Book Value: 9.80%
  • 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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13.50
Price
$12.80
GF Value