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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
LivingTrust Mortgage BankNSA:LIVINGTRUST 58 Forward Rate of Return (Yacktman) % is 42.98% as of Jun. 2026, which is 288% above its 10-year median of 11.09. GuruFocus rates NSA:LIVINGTRUST with a GF Score™ of 58/100 and a GF Value™ of ₦176.77 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,418 Banks companies, LivingTrust Mortgage Bank ranks better than 87.8% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. LivingTrust Mortgage Bank's forward rate of return for was 42.98%.
The historical rank and industry rank for LivingTrust Mortgage Bank's Forward Rate of Return (Yacktman) % or its related term are showing as below:
NSA:LIVINGTRUST'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 7.45 Med: 11.09 Max: 45.79
Current: 45.79
During the past 9 years, LivingTrust Mortgage Bank's highest Forward Rate of Return was 45.79. The lowest was 7.45. And the median was 11.09.
NSA:LIVINGTRUST's Forward Rate of Return (Yacktman) % is ranked better than 87.8% of 1418
companies
in the Banks industry
Industry Median: 15.565
vs NSA:LIVINGTRUST: 45.79
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
LivingTrust Mortgage Bank Forward Rate of Return (Yacktman) % Related Terms
LivingTrust Mortgage Bank Forward Rate of Return (Yacktman) % Historical Data
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The historical data trend for LivingTrust Mortgage Bank's Forward Rate of Return (Yacktman) % 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.
LivingTrust Mortgage Bank Forward Rate of Return (Yacktman) % Chart
NSA:LIVINGTRUST vs RKT, FNMA, PFSI: Forward Rate of Return (Yacktman) % Comparison
For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where LivingTrust Mortgage Bank's Forward Rate of Return (Yacktman) % falls into.
LivingTrust Mortgage Bank Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 42.98% mean?
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a Forward Rate of Return (Yacktman) % of 42.98% as of Jun. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on LivingTrust Mortgage Bank and its competitors. This is 288% above median its historical median of 11.09. Over the past decade, LivingTrust Mortgage Bank's Forward Rate of Return (Yacktman) % has ranged from 7.45 to 45.79. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #173 out of 1418 companies in the Banks industry, placing it in the top 12.2%.
Is LivingTrust Mortgage Bank's Forward Rate of Return (Yacktman) % too high?
LivingTrust Mortgage Bank's current Forward Rate of Return (Yacktman) % of 42.98% is 288% above median its 10-year median of 11.09. Over the past 10 years, this metric has ranged from a low of 7.45 to a high of 45.79. The Banks industry median Forward Rate of Return (Yacktman) % is 15.57. LivingTrust Mortgage Bank's value of 42.98% is 176.1% above this industry median. Based on the distribution chart, LivingTrust Mortgage Bank ranks #173 out of 1418 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 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's Forward Rate of Return (Yacktman) % compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #173 out of 1418 companies for Forward Rate of Return (Yacktman) %. This places LivingTrust Mortgage Bank in the top 12% of its industry — outperforming the majority of peers. The industry median Forward Rate of Return (Yacktman) % is 15.57. LivingTrust Mortgage Bank's value of 42.98% is 176.1% above this benchmark. Historically, LivingTrust Mortgage Bank's own Forward Rate of Return (Yacktman) % has ranged from 7.45 to 45.79 over the past decade. While the company's 10-year median is 11.09 vs. the industry median of 15.57, 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.57, based on 1,418 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LivingTrust Mortgage Bank's current Forward Rate of Return (Yacktman) % of 42.98% is 176.1% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current Forward Rate of Return (Yacktman) % is 42.98%, which is 288% above median its own 10-year median of 11.09. 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 ₦176.77, compared to a current price of ₦3.25 — trading 98.2% below its estimated fair value. The current Forward Rate of Return (Yacktman) % is 42.98%, which is 288% above median its 10-year median of 11.09 and 176.1% above the Banks industry median of 15.57. LivingTrust Mortgage Bank's overall GF Score™ is 58/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current Forward Rate of Return (Yacktman) % is 42.98% as of Jun. 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 ₦3.25 is trading 98.2% below its estimated GF Value™ of ₦176.77.
GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.
Key valuation signals for NSA:LIVINGTRUST:
Forward Rate of Return (Yacktman) %: 42.98% (288% above median its 10-year median of 11.09)
GF Value™: ₦176.77 vs. price of ₦3.25 (98.2% below fair value)
Industry Position: 176.1% above the Banks median (#173 of 1418)
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.
58GF Score
Get the complete analysis for NSA:LIVINGTRUST
Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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