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Lifestore Financial GroupLSFG 63 Intrinsic Value: Projected FCF is $96.55 as of Aug. 23, 2026, which is 15728% above its 10-year median of 0.61. GuruFocus rates LSFG with a GF Score™ of 63/100 and a GF Value™ of $51.23 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,308 Banks companies, Lifestore Financial Group ranks worse than 52.52% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Lifestore Financial Group's Intrinsic Value: Projected FCF or its related term are showing as below:
LSFG'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.37 Med: 0.61 Max: 1.67
Current: 0.62
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Lifestore Financial Group was 1.67. The lowest was 0.37. And the median was 0.61.
LSFG's Price-to-Projected-FCF is ranked worse than 52.52% of 1308
companies
in the Banks industry
Industry Median: 0.59
vs LSFG: 0.62
Lifestore Financial Group (OTCPK:LSFG) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Lifestore Financial Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
59.90
/
=
* 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 Intrinsic Value: Projected FCF Related Terms
Lifestore Financial Group Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Lifestore Financial Group's Intrinsic Value: Projected FCF 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.
Lifestore Financial Group Intrinsic Value: Projected FCF Chart
LSFG vs CBAF, BAOB, CIZN: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Lifestore Financial Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Lifestore Financial Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Lifestore Financial Group's Price-to-Projected-FCF falls into.
Lifestore Financial Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
What does a Intrinsic Value: Projected FCF of $96.55 mean?
Lifestore Financial Group (LSFG) has a Intrinsic Value: Projected FCF of $96.55 as of Aug. 23, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Lifestore Financial Group and its competitors. This is 15728% above median its historical median of 0.61. Over the past decade, Lifestore Financial Group's Intrinsic Value: Projected FCF has ranged from 0.37 to 1.67. According to the industry distribution chart, Lifestore Financial Group ranks #687 out of 1308 companies in the Banks industry, placing it in the top 52.5%.
Is Lifestore Financial Group's Intrinsic Value: Projected FCF too high?
Lifestore Financial Group's current Intrinsic Value: Projected FCF of $96.55 is 15728% above median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 1.67. The Banks industry median Intrinsic Value: Projected FCF is 0.59. Lifestore Financial Group's value of $96.55 is 16264.4% above this industry median. Based on the distribution chart, Lifestore Financial Group ranks #687 out of 1308 companies in the Banks industry, which is below the industry midpoint. Overall, Lifestore Financial Group has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lifestore Financial Group's Intrinsic Value: Projected FCF compare to CBAF and BAOB?
According to the Banks industry distribution chart, Lifestore Financial Group ranks #687 out of 1308 companies for Intrinsic Value: Projected FCF. This places Lifestore Financial Group in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Lifestore Financial Group's value of $96.55 is 16264.4% above this benchmark. Historically, Lifestore Financial Group's own Intrinsic Value: Projected FCF has ranged from 0.37 to 1.67 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,308 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lifestore Financial Group's current Intrinsic Value: Projected FCF of $96.55 is 16264.4% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Lifestore Financial Group and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lifestore Financial Group's current Intrinsic Value: Projected FCF is $96.55, which is 15728% above median its own 10-year median of 0.61. 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 $51.23, compared to a current price of $59.90 — trading 16.9% above its estimated fair value. The current Intrinsic Value: Projected FCF is $96.55, which is 15728% above median its 10-year median of 0.61 and 16264.4% above the Banks industry median of 0.59. Lifestore Financial Group's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Lifestore Financial Group (LSFG), the current Intrinsic Value: Projected FCF is $96.55 as of Aug. 23, 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 $59.90 is trading 16.9% above its estimated GF Value™ of $51.23.
GuruFocus considers Lifestore Financial Group to be Modestly Overvalued.
Key valuation signals for LSFG:
Intrinsic Value: Projected FCF: $96.55 (15728% above median its 10-year median of 0.61)
GF Value™: $51.23 vs. price of $59.90 (16.9% above fair value)
Industry Position: 16264.4% above the Banks median (#687 of 1308)
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.
63GF Score
Get the complete analysis for LSFG
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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