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Lifestore Financial GroupLSFG 58 Net Margin % is 23.02% as of Jun. 2025, which is 3% above its 10-year median of 22.45. 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 1,530 Banks companies, Lifestore Financial Group ranks worse than 63.01% on this metric.
The historical rank and industry rank for Lifestore Financial Group's Net Margin % or its related term are showing as below:
LSFG'
s Net Margin % Range Over the Past 10 Years
Min: 5.78 Med: 22.45 Max: 28.95
Current: 23.02
LSFG's Net Margin % is ranked worse than 63.01% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs LSFG: 23.02
Lifestore Financial Group (OTCPK:LSFG) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Lifestore Financial Group Net Margin % Related Terms
Lifestore Financial Group Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lifestore Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Lifestore Financial Group's Net Margin % falls into.
* 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 Net Margin % of 23.02% as of Jun. 2025. Net margin is the ratio of total net income to net sales. View historical data on Lifestore Financial Group and its competitors. This is near median its historical median of 22.45. Over the past decade, Lifestore Financial Group's Net Margin % has ranged from 5.78 to 28.95. According to the industry distribution chart, Lifestore Financial Group ranks #964 out of 1530 companies in the Banks industry, placing it in the top 63%.
Is Lifestore Financial Group's Net Margin % too high?
Lifestore Financial Group's current Net Margin % of 23.02% is near median its 10-year median of 22.45. Over the past 10 years, this metric has ranged from a low of 5.78 to a high of 28.95. The Banks industry median Net Margin % is 26.85. Lifestore Financial Group's value of 23.02% is 14.2% below this industry median. Based on the distribution chart, Lifestore Financial Group ranks #964 out of 1530 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 Net Margin % compare to CLST and SMAL?
According to the Banks industry distribution chart, Lifestore Financial Group ranks #964 out of 1530 companies for Net Margin %. This places Lifestore Financial Group in the lower half of its industry. The industry median Net Margin % is 26.85. Lifestore Financial Group's value of 23.02% is 14.2% below this benchmark. Historically, Lifestore Financial Group's own Net Margin % has ranged from 5.78 to 28.95 over the past decade. While the company's 10-year median is 22.45 vs. the industry median of 26.85, Lifestore Financial Group has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lifestore Financial Group's current Net Margin % of 23.02% is 14.2% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Lifestore Financial Group and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lifestore Financial Group's current Net Margin % is 23.02%, which is near median its own 10-year median of 22.45. 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 Net Margin % is 23.02%, which is near median its 10-year median of 22.45 and 14.2% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Lifestore Financial Group (LSFG), the current Net Margin % is 23.02% as of Jun. 2025. 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:
Net Margin %: 23.02% (near median its 10-year median of 22.45)
GF Value™: $50.97 vs. price of $63.00 (23.6% above fair value)
Industry Position: 14.2% below the Banks median (#964 of 1530)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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