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Lifestore Financial GroupLSFG 58 Return-on-Tangible-Asset is 1.21% as of Jun. 2025, which is 2% below its 10-year median of 1.23. GuruFocus rates LSFG with a GF Scoreâ„¢ of 58/100 and a GF Valueâ„¢ of $50.97 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,532 Banks companies, Lifestore Financial Group ranks better than 63.97% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Lifestore Financial Group's annualizedNet Income for the quarter that ended in Jun. 2025 was $5.56 Mil. Lifestore Financial Group's average total tangible assets for the quarter that ended in Jun. 2025 was $461.31 Mil. Therefore, Lifestore Financial Group's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2025 was 1.21%.
The historical rank and industry rank for Lifestore Financial Group's Return-on-Tangible-Asset or its related term are showing as below:
LSFG'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.31 Med: 1.23 Max: 1.83
Current: 1.21
During the past 13 years, Lifestore Financial Group's highest Return-on-Tangible-Asset was 1.83%. The lowest was 0.31%. And the median was 1.23%.
LSFG's Return-on-Tangible-Asset is ranked better than 63.97% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs LSFG: 1.21
Lifestore Financial Group (OTCPK:LSFG) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companyÂ’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companyÂ’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Lifestore Financial Group Return-on-Tangible-Asset Related Terms
Lifestore Financial Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Lifestore Financial Group's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
LSFG vs CLST, SMAL, ORBN: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Lifestore Financial Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Lifestore Financial Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Lifestore Financial Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Jun. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.21% mean?
Lifestore Financial Group (LSFG) has a Return-on-Tangible-Asset of 1.21% as of Jun. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Lifestore Financial Group and its competitors. This is near median its historical median of 1.23. Over the past decade, Lifestore Financial Group's Return-on-Tangible-Asset has ranged from 0.31 to 1.83. According to the industry distribution chart, Lifestore Financial Group ranks #552 out of 1532 companies in the Banks industry, placing it in the top 36%.
Is Lifestore Financial Group's Return-on-Tangible-Asset too high?
Lifestore Financial Group's current Return-on-Tangible-Asset of 1.21% is near median its 10-year median of 1.23. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 1.83. The Banks industry median Return-on-Tangible-Asset is 0.99. Lifestore Financial Group's value of 1.21% is 22.2% above this industry median. Based on the distribution chart, Lifestore Financial Group ranks #552 out of 1532 companies in the Banks industry, which is above the industry midpoint. Overall, Lifestore Financial Group has a GF Scoreâ„¢ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lifestore Financial Group's Return-on-Tangible-Asset compare to CLST and SMAL?
According to the Banks industry distribution chart, Lifestore Financial Group ranks #552 out of 1532 companies for Return-on-Tangible-Asset. This puts Lifestore Financial Group in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Lifestore Financial Group's value of 1.21% is 22.2% above this benchmark. Historically, Lifestore Financial Group's own Return-on-Tangible-Asset has ranged from 0.31 to 1.83 over the past decade. While the company's 10-year median is 1.23 vs. the industry median of 0.99, Lifestore Financial Group 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lifestore Financial Group's current Return-on-Tangible-Asset of 1.21% is 22.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Lifestore Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lifestore Financial Group's current Return-on-Tangible-Asset is 1.21%, which is near median its own 10-year median of 1.23. 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 Return-on-Tangible-Asset is 1.21%, which is near median its 10-year median of 1.23 and 22.2% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Lifestore Financial Group (LSFG), the current Return-on-Tangible-Asset is 1.21% 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:
Return-on-Tangible-Asset: 1.21% (near median its 10-year median of 1.23)
GF Value™: $50.97 vs. price of $63.00 (23.6% above fair value)
Industry Position: 22.2% above the Banks median (#552 of 1532)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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