LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Cyclically Adjusted PS Ratio: (As of Jul. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSA:LIVINGTRUST LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST
62 GF Score
Price ₦3.39
GF Value ₦6.02
Valuation Significantly Undervalued
! 3 Warning Signs
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What is LivingTrust Mortgage Bank Cyclically Adjusted PS Ratio?

LivingTrust Mortgage Bank does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

Shiller PE for Stocks: The True Measure of Stock Valuation


LivingTrust Mortgage Bank  (NSA:LIVINGTRUST) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


LivingTrust Mortgage Bank Cyclically Adjusted PS Ratio Related Terms


LivingTrust Mortgage Bank Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for LivingTrust Mortgage Bank's Cyclically Adjusted PS 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.

LivingTrust Mortgage Bank Cyclically Adjusted PS Ratio Chart

LivingTrust Mortgage Bank Annual Data
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Cyclically Adjusted PS Ratio
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LivingTrust Mortgage Bank Quarterly Data
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NSA:LIVINGTRUST vs RKT, FNMA, PFSI: Cyclically Adjusted PS Ratio Comparison

For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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.


LivingTrust Mortgage Bank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where LivingTrust Mortgage Bank's Cyclically Adjusted PS Ratio falls into.


NSA:LIVINGTRUST
62GF Score
LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

LivingTrust Mortgage Bank Cyclically Adjusted PS Ratio Calculation

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

LivingTrust Mortgage Bank does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

Is LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Overvalued in 2026?

Based on GuruFocus' analysis, LivingTrust Mortgage Bank stock appears to be undervalued. The current stock price of ₦3.39 is trading 43.7% below its estimated GF Value™ of ₦6.02. GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.

Key valuation signals for NSA:LIVINGTRUST:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: ₦6.02 vs. price of ₦3.39 (43.7% below fair value)
  • GF Score™: 62/100 with 3 warning signs

No single metric tells the full story. See the NSA:LIVINGTRUST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


LivingTrust Mortgage Bank Business Description

Address Gbongan Road, Km 2, Osun State, Osogbo, NGA, 4488
LivingTrust Mortgage Bank PLC is a Nigerian mortgage banking institution, with its principal business being the provision of mortgage banking and related financial intermediation services. The Bank operates as a single reportable business segment focused on mortgage banking and construction finance in accordance with Central Bank of Nigeria guidelines. Its products include mortgages and loans, as well as other banking services. The Bank provides services to individual, group, and corporate customers, including mortgage loan origination, housing finance, and financial support for micro, small, and medium-sized enterprises as part of its financial inclusion mandate.
62GF Score

Get the complete analysis for NSA:LIVINGTRUST

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦3.39
Price
₦6.02
GF Value