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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Lumbee Guaranty Bank's selling, general, & admin. expense for the
three
months ended in Jun. 2026 was $1.93 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Jun. 2026 was $7.78 Mil.
Lumbee Guaranty Bank (OTCPK:LUMB) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
Lumbee Guaranty Bank Selling, General, & Admin. Expense Related Terms
Lumbee Guaranty Bank Selling, General, & Admin. Expense Historical Data
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The historical data trend for Lumbee Guaranty Bank's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart
LUMB vs ESBS, UNBK, MBBC: Selling, General, & Admin. Expense Comparison
For the Banks - Regional subindustry, Lumbee Guaranty Bank's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, Lumbee Guaranty Bank's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where Lumbee Guaranty Bank's Selling, General, & Admin. Expense falls into.
Lumbee Guaranty Bank Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.78 Mil.
* 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 Selling, General, & Admin. Expense of $7.78 Mil mean?
Lumbee Guaranty Bank (LUMB) has a Selling, General, & Admin. Expense of $7.78 Mil as of Jun. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Lumbee Guaranty Bank and its competitors.
Is Lumbee Guaranty Bank's Selling, General, & Admin. Expense too high?
Lumbee Guaranty Bank's current Selling, General, & Admin. Expense is $7.78 Mil. Overall, Lumbee Guaranty Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lumbee Guaranty Bank's Selling, General, & Admin. Expense compare to ESBS and UNBK?
Lumbee Guaranty Bank's Selling, General, & Admin. Expense of $7.78 Mil 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 Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Lumbee Guaranty Bank and its competitors. Lumbee Guaranty Bank's current Selling, General, & Admin. Expense is $7.78 Mil. 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 $13.62, compared to a current price of $13.50 — trading 0.9% below its estimated fair value. The current Selling, General, & Admin. Expense is $7.78 Mil. Lumbee Guaranty Bank's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Lumbee Guaranty Bank (LUMB), the current Selling, General, & Admin. Expense is $7.78 Mil as of Jun. 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 undervalued.
The current stock price of $13.50 is trading 0.9% below its estimated GF Value™ of $13.62.
GuruFocus considers Lumbee Guaranty Bank to be Fairly Valued.
Key valuation signals for LUMB:
Selling, General, & Admin. Expense: $7.78 Mil
GF Value™: $13.62 vs. price of $13.50 (0.9% below fair value)
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.
68GF Score
Get the complete analysis for LUMB
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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