The historical rank and industry rank for LivingTrust Mortgage Bank's PB Ratio or its related term are showing as below:
NSA:LIVINGTRUST'
s PB Ratio Range Over the Past 10 Years
Min: 1.08 Med: 3.62 Max: 7.25
Current: 3.35
During the past 9 years, LivingTrust Mortgage Bank's highest PB Ratio was 7.25. The lowest was 1.08. And the median was 3.62.
NSA:LIVINGTRUST's PB Ratio is ranked worse than 97.49% of 1515
companies
in the Banks industry
Industry Median: 1.1
vs NSA:LIVINGTRUST: 3.35
During the past 3 years, the average Book Value Per Share Growth Rate was 10.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 13.60% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of LivingTrust Mortgage Bank was 16.10% per year. The lowest was 2.10% per year. And the median was 11.35% per year.
Back to Basics: PB Ratio
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
LivingTrust Mortgage Bank PB Ratio Related Terms
LivingTrust Mortgage Bank PB Ratio 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.
NSA:LIVINGTRUST vs RKT, FNMA, PFSI: PB Ratio Comparison
For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where LivingTrust Mortgage Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a PB Ratio of 3.36 as of Jul. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on LivingTrust Mortgage Bank and its competitors. This is near median its historical median of 3.62. Over the past decade, LivingTrust Mortgage Bank's PB Ratio has ranged from 1.08 to 7.25. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #1477 out of 1515 companies in the Banks industry, placing it in the top 97.5%.
Is LivingTrust Mortgage Bank's PB Ratio too high?
LivingTrust Mortgage Bank's current PB Ratio of 3.36 is near median its 10-year median of 3.62. Over the past 10 years, this metric has ranged from a low of 1.08 to a high of 7.25. The Banks industry median PB Ratio is 1.10. LivingTrust Mortgage Bank's value of 3.36 is 205.5% above this industry median. Based on the distribution chart, LivingTrust Mortgage Bank ranks #1477 out of 1515 companies in the Banks industry, which is in the bottom quartile 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 PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #1477 out of 1515 companies for PB Ratio. This places LivingTrust Mortgage Bank in the lower half of its industry. The industry median PB Ratio is 1.10. LivingTrust Mortgage Bank's value of 3.36 is 205.5% above this benchmark. Historically, LivingTrust Mortgage Bank's own PB Ratio has ranged from 1.08 to 7.25 over the past decade. While the company's 10-year median is 3.62 vs. the industry median of 1.10, LivingTrust Mortgage Bank 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LivingTrust Mortgage Bank's current PB Ratio of 3.36 is 205.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current PB Ratio is 3.36, which is near median its own 10-year median of 3.62. 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 PB Ratio is 3.36, which is near median its 10-year median of 3.62 and 205.5% above the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current PB Ratio is 3.36 as of Jul. 11, 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 ₦3.39 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:
PB Ratio: 3.36 (near median its 10-year median of 3.62)
GF Value™: ₦6.01 vs. price of ₦3.39 (43.6% below fair value)
Industry Position: 205.5% above the Banks median (#1477 of 1515)
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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