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LUMB Dividend DRIP Calculator 2026
3.04% YieldFinancial ServicesLumbee Guaranty Bank · OTC
Price: $13.50 · Annual div: $0.41/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When LUMB pays your bills
Year your monthly dividend income covers each expense (based on current settings)
Share your LUMB snowball 📈
$10,000 in LUMB → $1.40M in 10 years · $1,302.53/month
About Lumbee Guaranty Bank (LUMB) — Dividend Analysis 2026
Lumbee Guaranty Bank functions as a community-oriented financial institution, delivering a diverse range of banking services. It offers clients a full spectrum of deposit accounts, including personal and business checking and savings options, as well as individual retirement accounts (IRAs) and certificates of deposit (CDs). Additionally, the bank facilitates business investment accounts. The institution also provides various lending solutions such as mortgages, auto loans, and personal loans, alongside business loans and lines of credit. For added convenience, customers can utilize modern banking channels like online, mobile, and telephone banking, which include bill payment functionalities. Lumbee Guaranty Bank manages fourteen branch locations, all situated within Robeson, Cumberland, and Hoke counties in North Carolina. The company was initially founded in 1971 and is headquartered in Pembroke, North Carolina. It underwent a name change in 1991, transitioning from its former identity as Lumbee Bank to its present name, Lumbee Guaranty Bank.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 LUMB Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold LUMB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.04% | 0.24% | $304 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.58% | -0.22% | $258 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.43% | -0.37% | $243 / yr |
| 🇬🇧 UK ISA | 0% | 3.04% | 0.24% | $304 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.77% | -0.03% | $277 / yr |
| 🇨🇦 TFSA | 0% | 3.04% | 0.24% | $304 / yr |
| 🇨🇦 CA Taxable | 25% | 2.28% | -0.52% | $228 / yr |
| 🇦🇺 Super (pension) | 15% | 2.58% | -0.22% | $258 / yr |
| 🇦🇺 AU Taxable | 30% | 2.13% | -0.67% | $213 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.24% | -0.56% | $224 / yr |
| 🇫🇷 FR Taxable | 30% | 2.13% | -0.67% | $213 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 LUMB Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.41/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 LUMB Dividend Payment Schedule
LUMB pays quarterly — 4 times per year. Next ex-div: TBD.
📊 LUMB vs Financial Services Benchmarks
How LUMB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for LUMB sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ LUMB Insider Activity
No recent SEC filings reported in the last 90 days.Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the LUMB dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Lumbee Guaranty Bank (LUMB) is currently trading at $13.50, 8% below its 52-week high. The current dividend yield is 3.04% based on an annual payout of $0.41 per share.
LUMB (Lumbee Guaranty Bank) — 3.04% Dividend Yield Analysis
Lumbee Guaranty Bank (LUMB) is a financial services stock currently trading at $13.50 with a dividend yield of 3.04%. The company pays an annual dividend of $0.41 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, LUMB has grown its dividend at a compound annual rate of 45.8%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.