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.
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.
Lifestore Financial GroupLSFG 58 ROA % is 1.19% as of Jun. 2025, which is 2% below its 10-year median of 1.21. 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 1,532 Banks companies, Lifestore Financial Group ranks better than 63.51% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Lifestore Financial Group's annualizedNet Income for the quarter that ended in Jun. 2025 was $5.56 Mil.
Lifestore Financial Group's average Total Assets over the quarter that ended in Jun. 2025 was $465.45 Mil. Therefore, Lifestore Financial Group's annualized ROA % for the quarter that ended in Jun. 2025 was 1.19%.
The historical rank and industry rank for Lifestore Financial Group's ROA % or its related term are showing as below:
LSFG'
s ROA % Range Over the Past 10 Years
Min: 0.3 Med: 1.21 Max: 1.82
Current: 1.19
During the past 13 years, Lifestore Financial Group's highest ROA % was 1.82%. The lowest was 0.30%. And the median was 1.21%.
LSFG's ROA % is ranked better than 63.51% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs LSFG: 1.19
Lifestore Financial Group (OTCPK:LSFG) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Jun. 2025) net income data. The Revenue data used here is one times the annual (Jun. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Banks - Regional subindustry, Lifestore Financial Group's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Lifestore Financial Group's ROA % distribution charts can be found below:
* The bar in red indicates where Lifestore Financial Group's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Lifestore Financial Group (LSFG) has a ROA % of 1.19% as of Jun. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Lifestore Financial Group and its competitors. This is near median its historical median of 1.21. Over the past decade, Lifestore Financial Group's ROA % has ranged from 0.30 to 1.82. According to the industry distribution chart, Lifestore Financial Group ranks #559 out of 1532 companies in the Banks industry, placing it in the top 36.5%.
Is Lifestore Financial Group's ROA % too high?
Lifestore Financial Group's current ROA % of 1.19% is near median its 10-year median of 1.21. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 1.82. The Banks industry median ROA % is 0.98. Lifestore Financial Group's value of 1.19% is 21.4% above this industry median. Based on the distribution chart, Lifestore Financial Group ranks #559 out of 1532 companies in the Banks industry, which is above 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 ROA % compare to CLST and SMAL?
According to the Banks industry distribution chart, Lifestore Financial Group ranks #559 out of 1532 companies for ROA %. This puts Lifestore Financial Group in the upper half of its industry. The industry median ROA % is 0.98. Lifestore Financial Group's value of 1.19% is 21.4% above this benchmark. Historically, Lifestore Financial Group's own ROA % has ranged from 0.30 to 1.82 over the past decade. While the company's 10-year median is 1.21 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lifestore Financial Group's current ROA % of 1.19% is 21.4% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Lifestore Financial Group and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lifestore Financial Group's current ROA % is 1.19%, which is near median its own 10-year median of 1.21. 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 ROA % is 1.19%, which is near median its 10-year median of 1.21 and 21.4% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Lifestore Financial Group (LSFG), the current ROA % is 1.19% 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:
ROA %: 1.19% (near median its 10-year median of 1.21)
GF Value™: $50.97 vs. price of $63.00 (23.6% above fair value)
Industry Position: 21.4% above the Banks median (#559 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
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSFG has been successfully added to your 
