Lumbee Guaranty Bank - LUMB - Fundamentals

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Breakdown	2017 12/31	2018 12/31	2019 12/31	2020 12/31	2021 12/31	2022 12/31	2023 12/31	2024 12/31	2025 12/31	TTM
REVENUE	15	16	17	16	17	17	23	24	25	26	📊
Revenue Growth (1Y)	--	+6.11%	+6.62%	-6.29%	+6.20%	+5.14%	+31.67%	+5.13%	+1.86%	+4.79%	📊
Revenue Growth (5Y)	--	--	--	--	+12.60%	+11.56%	+37.77%	+54.57%	+48.25%	+55.35%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Cost of Revenue	1	1	2	2	0	0	3	9	7	7	📊
Cost of Revenue Growth (1Y)	--	+48.70%	+37.93%	+5.18%	-77.57%	+18.89%	+591.43%	+166.76%	-24.25%	+5.61%	📊
Cost of Revenue Growth (5Y)	--	--	--	--	-51.62%	-61.31%	+93.93%	+391.86%	+1561.24%	+1654.36%	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Gross Profit	14	14	15	14	16	17	20	15	18	19	📊
Gross Profit Growth (1Y)	--	+3.60%	+3.96%	-7.58%	+16.92%	+4.80%	+16.08%	-21.67%	+16.61%	+4.49%	📊
Gross Profit Growth (5Y)	--	--	--	--	+16.39%	+17.74%	+31.46%	+11.41%	+11.11%	+16.11%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Operating Expenses	11	11	11	11	12	11	13	11	13	14	📊
Operating Expenses Growth (1Y)	--	-3.40%	+6.49%	-3.65%	+4.62%	-1.87%	+15.73%	-18.83%	+23.59%	+2.66%	📊
Operating Expenses Growth (5Y)	--	--	--	--	+3.69%	+5.34%	+14.48%	-3.55%	+13.93%	+16.96%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Sell General Administrative	7	6	6	8	8	6	7	11	9	8	📊
Research and Development	0	0	0	0	0	0	0	0	0	--	📊
Other Income Expenses	5	5	5	3	4	5	6	5	4	5	📊
EBITDA	3	4	4	3	5	6	7	5	5	5	📊
EBITDA Growth (1Y)	--	+25.03%	-2.75%	-15.55%	+54.55%	+7.96%	+26.43%	-33.09%	+14.27%	-3.25%	📊
EBITDA Growth (5Y)	--	--	--	--	+58.70%	+37.04%	+78.17%	+41.15%	+4.37%	+0.98%	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Depreciation and Amortization	1	0	0	1	1	0	1	0	1	--	📊
Operating Income	3	4	3	3	5	6	7	7	5	5	📊
Operating Income Growth (1Y)	--	+32.17%	-3.56%	-20.51%	+66.03%	+21.56%	+16.78%	+3.54%	-29.23%	+9.54%	📊
Operating Income Growth (5Y)	--	--	--	--	+68.22%	+54.72%	+87.35%	+144.05%	+4.03%	+13.95%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Interest Expense	1	1	2	1	1	1	3	7	7	7	📊
Pre Tax Income	3	4	3	3	5	6	7	5	5	5	📊
Tax Provision	1	1	0	0	1	1	1	1	1	1	📊
NET INCOME	2	3	3	2	4	5	6	4	4	5	📊
Net Income Growth (1Y)	--	+67.18%	-3.20%	-17.86%	+63.02%	+22.70%	+20.70%	-35.38%	+7.70%	+10.56%	📊
Net Income Growth (5Y)	--	--	--	--	+116.70%	+59.04%	+98.31%	+56.01%	+3.07%	+13.96%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Basic EPS	0.56	0.94	0.88	0.73	1.19	1.48	1.78	1.16	1.25	1.38	📊
Diluted EPS	0.56	0.94	0.88	0.73	1.19	1.48	1.78	1.16	1.25	1.38	📊
Basic Average Shares	3	3	3	3	3	3	3	3	3	3	📊
Diluted Average Shares	3	3	3	3	3	3	3	3	3	3	📊

Breakdown

2017

12/31

2018

12/31

2019

12/31

2020

12/31

2021

12/31

2022

12/31

2023

12/31

2024

12/31

2025

12/31

TTM

REVENUE

📊

Revenue Growth (1Y)

+6.11%

+6.62%

-6.29%

+6.20%

+5.14%

+31.67%

+5.13%

+1.86%

+4.79%

📊

Revenue Growth (5Y)

+12.60%

+11.56%

+37.77%

+54.57%

+48.25%

+55.35%

📊

Revenue Growth (10Y)

📊

Cost of Revenue

📊

Cost of Revenue Growth (1Y)

+48.70%

+37.93%

+5.18%

-77.57%

+18.89%

+591.43%

+166.76%

-24.25%

+5.61%

📊

Cost of Revenue Growth (5Y)

-51.62%

-61.31%

+93.93%

+391.86%

+1561.24%

+1654.36%

📊

Cost of Revenue Growth (10Y)

📊

Gross Profit

📊

Gross Profit Growth (1Y)

+3.60%

+3.96%

-7.58%

+16.92%

+4.80%

+16.08%

-21.67%

+16.61%

+4.49%

📊

Gross Profit Growth (5Y)

+16.39%

+17.74%

+31.46%

+11.41%

+11.11%

+16.11%

📊

Gross Profit Growth (10Y)

📊

Operating Expenses

📊

Operating Expenses Growth (1Y)

-3.40%

+6.49%

-3.65%

+4.62%

-1.87%

+15.73%

-18.83%

+23.59%

+2.66%

📊

Operating Expenses Growth (5Y)

+3.69%

+5.34%

+14.48%

-3.55%

+13.93%

+16.96%

📊

Operating Expenses Growth (10Y)

📊

Sell General Administrative

📊

Research and Development

📊

Other Income Expenses

📊

EBITDA

📊

EBITDA Growth (1Y)

+25.03%

-2.75%

-15.55%

+54.55%

+7.96%

+26.43%

-33.09%

+14.27%

-3.25%

📊

EBITDA Growth (5Y)

+58.70%

+37.04%

+78.17%

+41.15%

+4.37%

+0.98%

📊

EBITDA Growth (10Y)

📊

Depreciation and Amortization

📊

Operating Income

📊

Operating Income Growth (1Y)

+32.17%

-3.56%

-20.51%

+66.03%

+21.56%

+16.78%

+3.54%

-29.23%

+9.54%

📊

Operating Income Growth (5Y)

+68.22%

+54.72%

+87.35%

+144.05%

+4.03%

+13.95%

📊

Operating Income Growth (10Y)

📊

Interest Expense

📊

Pre Tax Income

📊

Tax Provision

📊

NET INCOME

📊

Net Income Growth (1Y)

+67.18%

-3.20%

-17.86%

+63.02%

+22.70%

+20.70%

-35.38%

+7.70%

+10.56%

📊

Net Income Growth (5Y)

+116.70%

+59.04%

+98.31%

+56.01%

+3.07%

+13.96%

📊

Net Income Growth (10Y)

📊

Basic EPS

0.56

0.94

0.88

0.73

1.19

1.48

1.78

1.16

1.25

1.38

📊

Diluted EPS

0.56

0.94

0.88

0.73

1.19

1.48

1.78

1.16

1.25

1.38

📊

Basic Average Shares

📊

Diluted Average Shares

📊

Breakdown	2017 12/31	2018 12/31	2019 12/31	2020 12/31	2021 12/31	2022 12/31	2023 12/31	2024 12/31	2025 12/31	TTM
REVENUE	15	16	17	16	17	17	23	24	25	26	📊
Revenue Growth (1Y)	--	+6.11%	+6.62%	-6.29%	+6.20%	+5.14%	+31.67%	+5.13%	+1.86%	+4.79%	📊
Revenue Growth (5Y)	--	--	--	--	+12.60%	+11.56%	+37.77%	+54.57%	+48.25%	+55.35%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Cost of Revenue	1	1	2	2	0	0	3	9	7	7	📊
Cost of Revenue Growth (1Y)	--	+48.70%	+37.93%	+5.18%	-77.57%	+18.89%	+591.43%	+166.76%	-24.25%	+5.61%	📊
Cost of Revenue Growth (5Y)	--	--	--	--	-51.62%	-61.31%	+93.93%	+391.86%	+1561.24%	+1654.36%	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Gross Profit	14	14	15	14	16	17	20	15	18	19	📊
Gross Profit Growth (1Y)	--	+3.60%	+3.96%	-7.58%	+16.92%	+4.80%	+16.08%	-21.67%	+16.61%	+4.49%	📊
Gross Profit Growth (5Y)	--	--	--	--	+16.39%	+17.74%	+31.46%	+11.41%	+11.11%	+16.11%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Operating Expenses	11	11	11	11	12	11	13	11	13	14	📊
Operating Expenses Growth (1Y)	--	-3.40%	+6.49%	-3.65%	+4.62%	-1.87%	+15.73%	-18.83%	+23.59%	+2.66%	📊
Operating Expenses Growth (5Y)	--	--	--	--	+3.69%	+5.34%	+14.48%	-3.55%	+13.93%	+16.96%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Sell General Administrative	7	6	6	8	8	6	7	11	9	8	📊
Research and Development	0	0	0	0	0	0	0	0	0	--	📊
Other Income Expenses	5	5	5	3	4	5	6	5	4	5	📊
EBITDA	3	4	4	3	5	6	7	5	5	5	📊
EBITDA Growth (1Y)	--	+25.03%	-2.75%	-15.55%	+54.55%	+7.96%	+26.43%	-33.09%	+14.27%	-3.25%	📊
EBITDA Growth (5Y)	--	--	--	--	+58.70%	+37.04%	+78.17%	+41.15%	+4.37%	+0.98%	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Depreciation and Amortization	1	0	0	1	1	0	1	0	1	--	📊
Operating Income	3	4	3	3	5	6	7	7	5	5	📊
Operating Income Growth (1Y)	--	+32.17%	-3.56%	-20.51%	+66.03%	+21.56%	+16.78%	+3.54%	-29.23%	+9.54%	📊
Operating Income Growth (5Y)	--	--	--	--	+68.22%	+54.72%	+87.35%	+144.05%	+4.03%	+13.95%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Interest Expense	1	1	2	1	1	1	3	7	7	7	📊
Pre Tax Income	3	4	3	3	5	6	7	5	5	5	📊
Tax Provision	1	1	0	0	1	1	1	1	1	1	📊
NET INCOME	2	3	3	2	4	5	6	4	4	5	📊
Net Income Growth (1Y)	--	+67.18%	-3.20%	-17.86%	+63.02%	+22.70%	+20.70%	-35.38%	+7.70%	+10.56%	📊
Net Income Growth (5Y)	--	--	--	--	+116.70%	+59.04%	+98.31%	+56.01%	+3.07%	+13.96%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	--	📊
Basic EPS	0.56	0.94	0.88	0.73	1.19	1.48	1.78	1.16	1.25	1.38	📊
Diluted EPS	0.56	0.94	0.88	0.73	1.19	1.48	1.78	1.16	1.25	1.38	📊
Basic Average Shares	3	3	3	3	3	3	3	3	3	3	📊
Diluted Average Shares	3	3	3	3	3	3	3	3	3	3	📊

Breakdown

2017

12/31

2018

12/31

2019

12/31

2020

12/31

2021

12/31

2022

12/31

2023

12/31

2024

12/31

2025

12/31

TTM

REVENUE

📊

Revenue Growth (1Y)

+6.11%

+6.62%

-6.29%

+6.20%

+5.14%

+31.67%

+5.13%

+1.86%

+4.79%

📊

Revenue Growth (5Y)

+12.60%

+11.56%

+37.77%

+54.57%

+48.25%

+55.35%

📊

Revenue Growth (10Y)

📊

Cost of Revenue

📊

Cost of Revenue Growth (1Y)

+48.70%

+37.93%

+5.18%

-77.57%

+18.89%

+591.43%

+166.76%

-24.25%

+5.61%

📊

Cost of Revenue Growth (5Y)

-51.62%

-61.31%

+93.93%

+391.86%

+1561.24%

+1654.36%

📊

Cost of Revenue Growth (10Y)

📊

Gross Profit

📊

Gross Profit Growth (1Y)

+3.60%

+3.96%

-7.58%

+16.92%

+4.80%

+16.08%

-21.67%

+16.61%

+4.49%

📊

Gross Profit Growth (5Y)

+16.39%

+17.74%

+31.46%

+11.41%

+11.11%

+16.11%

📊

Gross Profit Growth (10Y)

📊

Operating Expenses

📊

Operating Expenses Growth (1Y)

-3.40%

+6.49%

-3.65%

+4.62%

-1.87%

+15.73%

-18.83%

+23.59%

+2.66%

📊

Operating Expenses Growth (5Y)

+3.69%

+5.34%

+14.48%

-3.55%

+13.93%

+16.96%

📊

Operating Expenses Growth (10Y)

📊

Sell General Administrative

📊

Research and Development

📊

Other Income Expenses

📊

EBITDA

📊

EBITDA Growth (1Y)

+25.03%

-2.75%

-15.55%

+54.55%

+7.96%

+26.43%

-33.09%

+14.27%

-3.25%

📊

EBITDA Growth (5Y)

+58.70%

+37.04%

+78.17%

+41.15%

+4.37%

+0.98%

📊

EBITDA Growth (10Y)

📊

Depreciation and Amortization

📊

Operating Income

📊

Operating Income Growth (1Y)

+32.17%

-3.56%

-20.51%

+66.03%

+21.56%

+16.78%

+3.54%

-29.23%

+9.54%

📊

Operating Income Growth (5Y)

+68.22%

+54.72%

+87.35%

+144.05%

+4.03%

+13.95%

📊

Operating Income Growth (10Y)

📊

Interest Expense

📊

Pre Tax Income

📊

Tax Provision

📊

NET INCOME

📊

Net Income Growth (1Y)

+67.18%

-3.20%

-17.86%

+63.02%

+22.70%

+20.70%

-35.38%

+7.70%

+10.56%

📊

Net Income Growth (5Y)

+116.70%

+59.04%

+98.31%

+56.01%

+3.07%

+13.96%

📊

Net Income Growth (10Y)

📊

Basic EPS

0.56

0.94

0.88

0.73

1.19

1.48

1.78

1.16

1.25

1.38

📊

Diluted EPS

0.56

0.94

0.88

0.73

1.19

1.48

1.78

1.16

1.25

1.38

📊

Basic Average Shares

📊

Diluted Average Shares

📊

Ex-Dividend date
Payment date
Annual Dividend	0.41 ($)
Dividend Yield	2.95%
Shareholders Yield	-72.14%
Next Earnings	--
Market cap	46.37M (USD)
EPS (TTM)	1.38 ($)
P/E (TTM)	10.07 ($)
Last Close	13.90

Next Earnings	--
Market cap	46.37M (USD)
EPS (TTM)	1.38 ($)
P/E (TTM)	10.07 ($)
Last Close	13.90 ($)

Ex-Dividend date
Payment date
Annual Dividend	0.41 ($)
Dividend Yield	2.95%
Shareholders Yield	-72.14%
Next Earnings	--
Market cap	46.37M (USD)
EPS (TTM)	1.38 ($)
P/E (TTM)	10.07 ($)
Last Close	13.90

Next Earnings	--
Market cap	46.37M (USD)
EPS (TTM)	1.38 ($)
P/E (TTM)	10.07 ($)
Last Close	13.90 ($)