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LSFG (Lifestore Financial Group) Cyclically Adjusted PB Ratio : 1.25 (As of Dec. 14, 2024)


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What is Lifestore Financial Group Cyclically Adjusted PB Ratio?

As of today (2024-12-14), Lifestore Financial Group's current share price is $44.25. Lifestore Financial Group's Cyclically Adjusted Book per Share for the fiscal year that ended in Jun24 was $35.41. Lifestore Financial Group's Cyclically Adjusted PB Ratio for today is 1.25.

The historical rank and industry rank for Lifestore Financial Group's Cyclically Adjusted PB Ratio or its related term are showing as below:

LSFG' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 1.02   Med: 1.63   Max: 2.15
Current: 1.41

During the past 13 years, Lifestore Financial Group's highest Cyclically Adjusted PB Ratio was 2.15. The lowest was 1.02. And the median was 1.63.

LSFG's Cyclically Adjusted PB Ratio is ranked worse than
70.08% of 1220 companies
in the Banks industry
Industry Median: 1.04 vs LSFG: 1.41

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Lifestore Financial Group's adjusted book value per share data of for the fiscal year that ended in Jun24 was $50.976. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $35.41 for the trailing ten years ended in Jun24.

Shiller PE for Stocks: The True Measure of Stock Valuation


Lifestore Financial Group Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Lifestore Financial Group's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Lifestore Financial Group Cyclically Adjusted PB Ratio Chart

Lifestore Financial Group Annual Data
Trend Jun04 Jun05 Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.34 1.77 1.69 1.37 1.08

Lifestore Financial Group Semi-Annual Data
Jun97 Jun98 Jun99 Jun00 Jun01 Jun02 Jun03 Jun04 Jun05 Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.34 1.77 1.69 1.37 1.08

Competitive Comparison of Lifestore Financial Group's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, Lifestore Financial Group's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Lifestore Financial Group's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Lifestore Financial Group's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Lifestore Financial Group's Cyclically Adjusted PB Ratio falls into.



Lifestore Financial Group Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Lifestore Financial Group's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=44.25/35.41
=1.25

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Lifestore Financial Group's Cyclically Adjusted Book per Share for the fiscal year that ended in Jun24 is calculated as:

For example, Lifestore Financial Group's adjusted Book Value per Share data for the fiscal year that ended in Jun24 was:

Adj_Book=Book Value per Share/CPI of Jun24 (Change)*Current CPI (Jun24)
=50.976/132.5538*132.5538
=50.976

Current CPI (Jun24) = 132.5538.

Lifestore Financial Group Annual Data

Book Value per Share CPI Adj_Book
200406 11.882 80.037 19.679
200506 12.420 82.062 20.062
200606 13.325 85.606 20.633
200706 14.269 87.906 21.516
201906 30.670 108.070 37.619
202006 34.817 108.767 42.431
202106 42.336 114.631 48.955
202206 42.216 125.017 44.761
202306 46.110 128.729 47.480
202406 50.976 132.554 50.976

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Lifestore Financial Group  (OTCPK:LSFG) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Lifestore Financial Group Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Lifestore Financial Group's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Lifestore Financial Group Business Description

Traded in Other Exchanges
N/A
Address
21 East Ashe Street, P.O. Box 26, West Jefferson, NC, USA, 28694
Lifestore Financial Group Inc through its subsidiaries, is engaged in providing banking and insurance services. The company offers full-service banking services designed to meet the needs of retail and commercial customers. It also acts as an independent insurance agency offering traditional property and casualty, life, and health insurance products. It operates in two business segments; Banking and Insurance.

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