LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

NSA:LIVINGTRUST LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST
62 GF Score
Price ₦3.39
GF Value ₦6.02
Valuation Significantly Undervalued
! 3 Warning Signs
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What is LivingTrust Mortgage Bank Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of LivingTrust Mortgage Bank is: High Risk: High uncertainty with risk-return tradeoff.

LivingTrust Mortgage Bank  (NSA:LIVINGTRUST) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

LivingTrust Mortgage Bank Risk Assessment Related Terms

NSA:LIVINGTRUST vs RKT, FNMA, PFSI: Risk Assessment Comparison

For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's Risk Assessment distribution charts can be found below:

* The bar in red indicates where LivingTrust Mortgage Bank's Risk Assessment falls into.


NSA:LIVINGTRUST
62GF Score
LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 43.7% below its estimated GF Value™ of ₦6.02. GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.

Key valuation signals for NSA:LIVINGTRUST:

  • Risk Assessment:
  • GF Value™: ₦6.02 vs. price of ₦3.39 (43.7% below fair value)
  • GF Score™: 62/100 with 3 warning signs

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 Business Description

Address Gbongan Road, Km 2, Osun State, Osogbo, NGA, 4488
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

Get the complete analysis for NSA:LIVINGTRUST

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

₦3.39
Price
₦6.02
GF Value