* 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.
NSA:LIVINGTRUST vs RKT, FNMA, PFSI: OCF Margin % Comparison
For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's OCF Margin %, along with its competitors' market caps and OCF 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.
LivingTrust Mortgage Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where LivingTrust Mortgage Bank's OCF 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.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a OCF Margin % of -200.58% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on LivingTrust Mortgage Bank and its competitors. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #149 out of 1498 companies in the Banks industry, placing it in the top 9.9%.
Is LivingTrust Mortgage Bank's OCF Margin % too high?
LivingTrust Mortgage Bank's current OCF Margin % is -200.58%. Based on the distribution chart, LivingTrust Mortgage Bank ranks #149 out of 1498 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, LivingTrust Mortgage Bank has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's OCF Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #149 out of 1498 companies for OCF Margin %. This places LivingTrust Mortgage Bank in the top 10% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.49. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.49, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current OCF Margin % is -200.58%. 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 ₦6.01, compared to a current price of ₦3.39 — trading 43.6% below its estimated fair value. The current OCF Margin % is -200.58%. LivingTrust Mortgage Bank's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current OCF Margin % is -200.58% as of Dec. 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 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 43.6% below its estimated GF Value™ of ₦6.01.
GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.
Key valuation signals for NSA:LIVINGTRUST:
OCF Margin %: -200.58%
GF Value™: ₦6.01 vs. price of ₦3.39 (43.6% 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.
62GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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