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During the past 12 months, LivingTrust Mortgage Bank's average EPS without NRIGrowth Rate was -98.20% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -34.70% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 11.60% per year.
During the past 9 years, LivingTrust Mortgage Bank's highest 3-Year average EPS without NRI Growth Rate was 122.40% per year. The lowest was -34.70% per year. And the median was 43.80% per year.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
LivingTrust Mortgage Bank Earnings per Share (Diluted) Related Terms
LivingTrust Mortgage Bank Earnings per Share (Diluted) Historical Data
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The historical data trend for LivingTrust Mortgage Bank's Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
NSA:LIVINGTRUST vs RKT, FNMA, PFSI: Earnings per Share (Diluted) Comparison
For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's PE Ratio distribution charts can be found below:
* The bar in red indicates where LivingTrust Mortgage Bank's PE Ratio falls into.
LivingTrust Mortgage Bank Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
LivingTrust Mortgage Bank's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₦0.12
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of ₦0.12 mean?
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a Earnings per Share (Diluted) of ₦0.12 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on LivingTrust Mortgage Bank and its competitors. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #1357 out of 1408 companies in the Banks industry, placing it in the top 96.4%.
Is LivingTrust Mortgage Bank's Earnings per Share (Diluted) too high?
LivingTrust Mortgage Bank's current Earnings per Share (Diluted) is ₦0.12. Based on the distribution chart, LivingTrust Mortgage Bank ranks #1357 out of 1408 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, LivingTrust Mortgage Bank has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's Earnings per Share (Diluted) compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #1357 out of 1408 companies for Earnings per Share (Diluted). This places LivingTrust Mortgage Bank in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.50, based on 1,408 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current Earnings per Share (Diluted) is ₦0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LivingTrust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank (NSA:LIVINGTRUST) is currently considered Significantly Undervalued. The stock's GF Value™ is ₦175.77, compared to a current price of ₦3.59 — trading 98% below its estimated fair value. The current Earnings per Share (Diluted) is ₦0.12. LivingTrust Mortgage Bank's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current Earnings per Share (Diluted) is ₦0.12 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 ₦3.59 is trading 98% below its estimated GF Value™ of ₦175.77.
GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.
Key valuation signals for NSA:LIVINGTRUST:
Earnings per Share (Diluted): ₦0.12
GF Value™: ₦175.77 vs. price of ₦3.59 (98% below fair value)
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 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.
58GF Score
Get the complete analysis for NSA:LIVINGTRUST
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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