Financials in USD. Standardized financial statements.
A compact view of how Lumbee Guaranty Bank turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $24.59M | $24.14M | $22.96M | $17.44M | $16.59M | $15.62M | $16.67M | $15.63M | $14.73M |
| Revenue Growth? | +1.9% | +5.1% | +31.7% | +5.1% | +6.2% | -6.3% | +6.6% | +6.1% | 0.0% |
| Cost of Revenue? | $6.60M | $0 | $3.27M | $472,430 | $397,354 | $1.77M | $1.68M | $1.22M | $821,268 |
| Gross Profit? | $17.99M | $17.45M | $19.69M | $16.97M | $16.19M | $13.85M | $14.98M | $14.41M | $13.91M |
| Gross Margin? | +73.2% | +72.3% | +85.8% | +97.3% | +97.6% | +88.7% | +89.9% | +92.2% | +94.4% |
| Operating Expenses? | $13.20M | $10.68M | $13.16M | $11.37M | $11.58M | $11.07M | $11.49M | $10.79M | $11.17M |
| Operating Income? | $4.79M | $6.77M | $6.54M | $5.60M | $4.61M | $2.77M | $3.49M | $3.62M | $2.74M |
| EBITDA? | $4.79M | $4.75M | $7.10M | $5.61M | $5.20M | $2.77M | $3.98M | $4.10M | $3.28M |
| Income Before Tax | $4.79M | $4.75M | $6.54M | $5.60M | $4.61M | $2.77M | $3.49M | $3.62M | $2.74M |
| Income Tax Expense | $646,000 | $898,097 | $582,099 | $664,112 | $583,759 | $306,927 | $486,411 | $515,983 | $882,072 |
| Net Income? | $4.15M | $3.85M | $5.96M | $4.94M | $4.02M | $2.47M | $3.00M | $3.10M | $1.86M |
| EPS? | $1.25 | $1.16 | $1.78 | $1.48 | $1.19 | $0.73 | $0.88 | $0.94 | $0.56 |
| Diluted EPS? | $1.25 | $1.16 | $1.78 | $1.48 | $1.19 | $0.73 | $0.88 | $0.94 | $0.56 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality