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Lifestore Financial GroupLSFG 58 EV-to-OCF is 4.09 as of Jul. 14, 2026, which is 49% above its 10-year median of 2.75. GuruFocus rates LSFG with a GF Score™ of 58/100 and a GF Value™ of $50.97 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Lifestore Financial Group ranks worse than 51.83% on this metric.
The historical rank and industry rank for Lifestore Financial Group's EV-to-OCF or its related term are showing as below:
LSFG'
s EV-to-OCF Range Over the Past 10 Years
Min: -2.15 Med: 2.75 Max: 19.01
Current: 4.09
During the past 13 years, the highest EV-to-OCF of Lifestore Financial Group was 19.01. The lowest was -2.15. And the median was 2.75.
LSFG's EV-to-OCF is ranked worse than 51.83% of 1505
companies
in the Banks industry
Industry Median: 3.73
vs LSFG: 4.09
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Lifestore Financial Group (OTCPK:LSFG) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Lifestore Financial Group's PE Ratio (TTM) for today is calculated as:
Lifestore Financial Group's share price for today is $63.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Lifestore Financial Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $5.400.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Lifestore Financial Group EV-to-OCF Related Terms
Lifestore Financial Group EV-to-OCF Historical Data
* 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.
For the Banks - Regional subindustry, Lifestore Financial Group's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Lifestore Financial Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Lifestore Financial Group's EV-to-OCF falls into.
Lifestore Financial Group's current Enterprise Value is $23.39 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Lifestore Financial Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2025 was $5.72 Mil.
* 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 (LSFG) has a EV-to-OCF of 4.09 as of Jul. 14, 2026. This is 49% above median its historical median of 2.75. According to the industry distribution chart, Lifestore Financial Group ranks #780 out of 1505 companies in the Banks industry, placing it in the top 51.8%.
Is Lifestore Financial Group's EV-to-OCF too high?
Lifestore Financial Group's current EV-to-OCF of 4.09 is 49% above median its 10-year median of 2.75. The Banks industry median EV-to-OCF is 3.73. Lifestore Financial Group's value of 4.09 is 9.7% above this industry median. Based on the distribution chart, Lifestore Financial Group ranks #780 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Lifestore Financial Group has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lifestore Financial Group's EV-to-OCF compare to CLST and SMAL?
According to the Banks industry distribution chart, Lifestore Financial Group ranks #780 out of 1505 companies for EV-to-OCF. This places Lifestore Financial Group in the lower half of its industry. The industry median EV-to-OCF is 3.73. Lifestore Financial Group's value of 4.09 is 9.7% above this benchmark. While the company's 10-year median is 2.75 vs. the industry median of 3.73, Lifestore Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.73, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lifestore Financial Group's current EV-to-OCF of 4.09 is 9.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lifestore Financial Group's current EV-to-OCF is 4.09, which is 49% above median its own 10-year median of 2.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lifestore Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Lifestore Financial Group (LSFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $50.97, compared to a current price of $63.00 — trading 23.6% above its estimated fair value. The current EV-to-OCF is 4.09, which is 49% above median its 10-year median of 2.75 and 9.7% above the Banks industry median of 3.73. Lifestore Financial Group's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Lifestore Financial Group (LSFG), the current EV-to-OCF is 4.09 as of Jul. 14, 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 Lifestore Financial Group (LSFG) Overvalued in 2026?
Based on GuruFocus' analysis, Lifestore Financial Group stock appears to be overvalued.
The current stock price of $63.00 is trading 23.6% above its estimated GF Value™ of $50.97.
GuruFocus considers Lifestore Financial Group to be Modestly Overvalued.
Key valuation signals for LSFG:
EV-to-OCF: 4.09 (49% above median its 10-year median of 2.75)
GF Value™: $50.97 vs. price of $63.00 (23.6% above fair value)
Industry Position: 9.7% above the Banks median (#780 of 1505)
No single metric tells the full story. See the LSFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
58GF Score
Get the complete analysis for LSFG
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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