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Lumbee Guaranty Bank
LUMBFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $24.59M | 16.9% | $4.16M | $2.43M | N/A |
| 2027 | $27.05M | 16.9% | $4.57M | $2.68M | $2.43M |
| 2028 | $29.75M | 16.9% | $5.03M | $2.95M | $2.43M |
| 2029 | $32.73M | 16.9% | $5.53M | $3.24M | $2.43M |
| 2030 | $36.00M | 16.9% | $6.08M | $3.56M | $2.43M |
| 2031 | $39.60M | 16.9% | $6.69M | $3.92M | $2.43M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.25 | 2025-12-31 |
| EPS growth | +7.8% | Forecast years: 5 |
| Future EPS | $1.82 | EPS × (1 + G)^5 |
| Base P/E | 11.2 | P/E |
| Future price | $20.381 | Future EPS × P/E |
| Fair value today | $12.655 | PV @ 10.0% |
| 30% safety price | $8.858 | Margin of safety |
| 50% safety price | $6.327 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $13.268 | $14.98 | $17.314 |
| 10.0% | $11.539 | $12.801 | $14.452 |
| 11.0% | $10.176 | $11.137 | $12.354 |