LivingTrust Mortgage Bank (NSA:LIVINGTRUST) ROC (Joel Greenblatt) %: % (As of Dec. 2025)


NSA:LIVINGTRUST LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST
62 GF Score
Price ₦3.39
GF Value ₦6.01
Valuation Significantly Undervalued
! 3 Warning Signs
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What is LivingTrust Mortgage Bank ROC (Joel Greenblatt) %?

LivingTrust Mortgage Bank NSA:LIVINGTRUST -9.84% 62 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates NSA:LIVINGTRUST with a GF Score™ of 62/100 and a GF Value™ of ₦6.01 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 46 Banks companies, LivingTrust Mortgage Bank ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

NSA:LIVINGTRUST
62GF Score
LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on LivingTrust Mortgage Bank and its competitors. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #999999 out of 46 companies in the Banks industry.
Is LivingTrust Mortgage Bank's ROC (Joel Greenblatt) % too high?
LivingTrust Mortgage Bank's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, LivingTrust Mortgage Bank ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, LivingTrust Mortgage Bank has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's ROC (Joel Greenblatt) % compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places LivingTrust Mortgage Bank in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.63. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.63, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current ROC (Joel Greenblatt) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LivingTrust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank (NSA:LIVINGTRUST) is currently considered Significantly Undervalued. The stock's GF Value™ is ₦6.01, compared to a current price of ₦3.39 — trading 43.6% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. LivingTrust Mortgage Bank's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current ROC (Joel Greenblatt) % is % as of Dec. 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 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 43.6% below its estimated GF Value™ of ₦6.01. GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.

Key valuation signals for NSA:LIVINGTRUST:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: ₦6.01 vs. price of ₦3.39 (43.6% 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦3.39
Price
₦6.01
GF Value