LSFG (Lifestore Financial Group) Retained Earnings: $54.81 Mil (As of Jun. 2025)

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LSFG Lifestore Financial Group Inc LSFG
58 GF Score
Price $63.00
GF Value $50.97
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Lifestore Financial Group Retained Earnings?

Lifestore Financial Group LSFG 58 Retained Earnings is $54.81 Mil as of Jun. 2025. 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.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Lifestore Financial Group's retained earnings for the quarter that ended in Jun. 2025 was $54.81 Mil.

Lifestore Financial Group's quarterly retained earnings increased from Jun. 2023 ($45.63 Mil) to Jun. 2024 ($49.87 Mil) and increased from Jun. 2024 ($49.87 Mil) to Jun. 2025 ($54.81 Mil).

Lifestore Financial Group's annual retained earnings increased from Jun. 2023 ($45.63 Mil) to Jun. 2024 ($49.87 Mil) and increased from Jun. 2024 ($49.87 Mil) to Jun. 2025 ($54.81 Mil).


Lifestore Financial Group  (OTCPK:LSFG) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Lifestore Financial Group Retained Earnings Historical Data

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The historical data trend for Lifestore Financial Group's Retained Earnings 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 Retained Earnings Chart

Lifestore Financial Group Annual Data
Trend Jun05 Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 35.80 40.27 45.63 49.87 54.81

Lifestore Financial Group Semi-Annual Data
Jun97 Jun98 Jun99 Jun00 Jun01 Jun02 Jun03 Jun04 Jun05 Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 35.80 40.27 45.63 49.87 54.81
LSFG
58GF Score
Lifestore Financial Group Inc LSFG
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Lifestore Financial Group Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $54.81 Mil mean?
Lifestore Financial Group (LSFG) has a Retained Earnings of $54.81 Mil as of Jun. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Lifestore Financial Group and its competitors.
Is Lifestore Financial Group's Retained Earnings too high?
Lifestore Financial Group's current Retained Earnings is $54.81 Mil. 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 Retained Earnings compare to CLST and SMAL?
Lifestore Financial Group's Retained Earnings of $54.81 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Lifestore Financial Group and its competitors. Lifestore Financial Group's current Retained Earnings is $54.81 Mil. 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 Retained Earnings is $54.81 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Lifestore Financial Group (LSFG), the current Retained Earnings is $54.81 Mil 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:

  • Retained Earnings: $54.81 Mil
  • GF Value™: $50.97 vs. price of $63.00 (23.6% above fair value)
  • GF Score™: 58/100 with 5 warning signs

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 Business Description

Address 21 East Ashe Street, P.O. Box 26, West Jefferson, NC, USA, 28694
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

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$63.00
Price
$50.97
GF Value