Lumbee Guaranty Bank Past Earnings Performance
Past criteria checks 3/6
Lumbee Guaranty Bank has been growing earnings at an average annual rate of 22.7%, while the Banks industry saw earnings growing at 9.7% annually. Revenues have been growing at an average rate of 4.8% per year. Lumbee Guaranty Bank's return on equity is 13.9%, and it has net margins of 29.1%.
Key information
22.7%
Earnings growth rate
23.8%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 4.8% |
| Return on equity | 13.9% |
| Net Margin | 29.1% |
| Last Earnings Update | 31 Dec 2022 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses BreakdownBeta
How Lumbee Guaranty Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 22 | 17 | 5 | 10 | 0 |
| 31 Dec 21 | 16 | 4 | 10 | 0 |
| 31 Dec 20 | 14 | 2 | 9 | 0 |
| 31 Dec 19 | 15 | 3 | 10 | 0 |
| 31 Dec 18 | 14 | 3 | 9 | 0 |
| 31 Dec 17 | 14 | 2 | 9 | 0 |
| 31 Dec 16 | 14 | 2 | 10 | 0 |
| 31 Dec 15 | 14 | 2 | 9 | 0 |
| 31 Dec 14 | 14 | 2 | 9 | 0 |
| 31 Dec 13 | 13 | 2 | 8 | 0 |
Quality Earnings: LUMB has high quality earnings.
Growing Profit Margin: LUMB's current net profit margins (29.1%) are higher than last year (24.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if LUMB's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare LUMB's past year earnings growth to its 5-year average.
Earnings vs Industry: LUMB earnings growth over the past year (22.7%) exceeded the Banks industry -12.4%.
Return on Equity
High ROE: LUMB's Return on Equity (13.9%) is considered low.