Lumbee Guaranty Bank Past Earnings Performance

Past criteria checks 3/6

Lumbee Guaranty Bank has been growing earnings at an average annual rate of 18.2%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 9.3% per year. Lumbee Guaranty Bank's return on equity is 13.4%, and it has net margins of 29.1%.

Key information

18.2%

Earnings growth rate

18.7%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	9.3%
Return on equity	13.4%
Net Margin	29.1%
Last Earnings Update	31 Mar 2024

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How Lumbee Guaranty Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:LUMB Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Mar 24	19	6	11
31 Dec 23	20	6	10
31 Dec 22	17	5	10
31 Dec 21	16	4	10
31 Dec 20	14	2	9
31 Dec 19	15	3	10
31 Dec 18	14	3	9
31 Dec 17	14	2	9
31 Dec 16	14	2	10
31 Dec 15	14	2	9
31 Dec 14	14	2	9
31 Dec 13	13	2	8

Quality Earnings: LUMB has high quality earnings.

Growing Profit Margin: LUMB's current net profit margins (29.1%) are lower than last year (29.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: LUMB's earnings have grown by 18.2% per year over the past 5 years.

Accelerating Growth: LUMB's earnings growth over the past year (8%) is below its 5-year average (18.2% per year).

Earnings vs Industry: LUMB earnings growth over the past year (8%) exceeded the Banks industry -11.8%.

Return on Equity

High ROE: LUMB's Return on Equity (13.4%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/25 13:25
End of Day Share Price	2024/12/06 00:00
Earnings	2024/03/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Lumbee Guaranty Bank is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution