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Lifestore Financial GroupLSFG 58 Return-on-Tangible-Equity is 11.19% as of Jun. 2025, which is 5% below its 10-year median of 11.72. 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. Among 1,526 Banks companies, Lifestore Financial Group ranks worse than 50.13% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Lifestore Financial Group's annualized net income for the quarter that ended in Jun. 2025 was $5.56 Mil. Lifestore Financial Group's average shareholder tangible equity for the quarter that ended in Jun. 2025 was $49.71 Mil. Therefore, Lifestore Financial Group's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2025 was 11.19%.
The historical rank and industry rank for Lifestore Financial Group's Return-on-Tangible-Equity or its related term are showing as below:
LSFG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.85 Med: 11.72 Max: 18.98
Current: 11.19
During the past 13 years, Lifestore Financial Group's highest Return-on-Tangible-Equity was 18.98%. The lowest was 5.85%. And the median was 11.72%.
LSFG's Return-on-Tangible-Equity is ranked worse than 50.13% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs LSFG: 11.19
Lifestore Financial Group (OTCPK:LSFG) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Lifestore Financial Group Return-on-Tangible-Equity Related Terms
Lifestore Financial Group Return-on-Tangible-Equity Historical Data
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The historical data trend for Lifestore Financial Group's Return-on-Tangible-Equity 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-Equity Chart
LSFG vs CLST, SMAL, ORBN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Lifestore Financial Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Lifestore Financial Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Lifestore Financial Group's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.19% mean?
Lifestore Financial Group (LSFG) has a Return-on-Tangible-Equity of 11.19% as of Jun. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Lifestore Financial Group and its competitors. This is near median its historical median of 11.72. Over the past decade, Lifestore Financial Group's Return-on-Tangible-Equity has ranged from 5.85 to 18.98. According to the industry distribution chart, Lifestore Financial Group ranks #765 out of 1526 companies in the Banks industry, placing it in the top 50.1%.
Is Lifestore Financial Group's Return-on-Tangible-Equity too high?
Lifestore Financial Group's current Return-on-Tangible-Equity of 11.19% is near median its 10-year median of 11.72. Over the past 10 years, this metric has ranged from a low of 5.85 to a high of 18.98. The Banks industry median Return-on-Tangible-Equity is 11.21. Lifestore Financial Group's value of 11.19% is 0.1% below this industry median. Based on the distribution chart, Lifestore Financial Group ranks #765 out of 1526 companies in the Banks industry, which is below the industry midpoint. 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 Return-on-Tangible-Equity compare to CLST and SMAL?
According to the Banks industry distribution chart, Lifestore Financial Group ranks #765 out of 1526 companies for Return-on-Tangible-Equity. This places Lifestore Financial Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Lifestore Financial Group's value of 11.19% is 0.1% below this benchmark. Historically, Lifestore Financial Group's own Return-on-Tangible-Equity has ranged from 5.85 to 18.98 over the past decade. While the company's 10-year median is 11.72 vs. the industry median of 11.21, Lifestore Financial Group has consistently been below 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 11.19% is 0.1% below 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Lifestore Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — 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-Equity is 11.19%, which is near median its own 10-year median of 11.72. 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-Equity is 11.19%, which is near median its 10-year median of 11.72 and 0.1% below the Banks industry median of 11.21. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Lifestore Financial Group (LSFG), the current Return-on-Tangible-Equity is 11.19% 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-Equity: 11.19% (near median its 10-year median of 11.72)
GF Value™: $50.97 vs. price of $63.00 (23.6% above fair value)
Industry Position: 0.1% below the Banks median (#765 of 1526)
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-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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