LivingTrust Mortgage Bank (NSA:LIVINGTRUST) ROE % Adjusted to Book Value: 0.62% (As of Jun. 2026)

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
61 GF Score
Price ₦3.25
GF Value ₦176.58
Valuation Significantly Undervalued
! 1 Warning Sign
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What is LivingTrust Mortgage Bank ROE % Adjusted to Book Value?

LivingTrust Mortgage Bank NSA:LIVINGTRUST 61 ROE % Adjusted to Book Value is 0.62% as of Jun. 2026. GuruFocus rates NSA:LIVINGTRUST with a GF Score™ of 61/100 and a GF Value™ of ₦176.58 (Significantly Undervalued). The stock has 1 warning sign investors should review.

LivingTrust Mortgage Bank's ROE % for the quarter that ended in Jun. 2026 was 2.05%. LivingTrust Mortgage Bank's PB Ratio for the quarter that ended in Jun. 2026 was 3.32. LivingTrust Mortgage Bank's ROE % Adjusted to Book Value for the quarter that ended in Jun. 2026 was 0.62%.


LivingTrust Mortgage Bank ROE % Adjusted to Book Value Related Terms


LivingTrust Mortgage Bank ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for LivingTrust Mortgage Bank's ROE % Adjusted to Book Value 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.

LivingTrust Mortgage Bank ROE % Adjusted to Book Value Chart

LivingTrust Mortgage Bank Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only 11.34 11.02 4.06 3.91 1.37

LivingTrust Mortgage Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.73 2.91 6.27 1.36 0.62

NSA:LIVINGTRUST vs RKT, FNMA, PFSI: ROE % Adjusted to Book Value Comparison

For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where LivingTrust Mortgage Bank's ROE % Adjusted to Book Value falls into.


NSA:LIVINGTRUST
61GF Score
LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

LivingTrust Mortgage Bank ROE % Adjusted to Book Value Calculation

LivingTrust Mortgage Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=4.48% / 3.27
=1.37%

LivingTrust Mortgage Bank's ROE % Adjusted to Book Value for the quarter that ended in Jun. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=2.05% / 3.32
=0.62%

* 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.

What does a ROE % Adjusted to Book Value of 0.62% mean?
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a ROE % Adjusted to Book Value of 0.62% as of Jun. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on LivingTrust Mortgage Bank and its competitors.
Is LivingTrust Mortgage Bank's ROE % Adjusted to Book Value too high?
LivingTrust Mortgage Bank's current ROE % Adjusted to Book Value is 0.62%. Overall, LivingTrust Mortgage Bank has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's ROE % Adjusted to Book Value compare to RKT and FNMA?
LivingTrust Mortgage Bank's ROE % Adjusted to Book Value of 0.62% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on LivingTrust Mortgage Bank and its competitors. LivingTrust Mortgage Bank's current ROE % Adjusted to Book Value is 0.62%. 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 ₦176.58, compared to a current price of ₦3.25 — trading 98.2% below its estimated fair value. The current ROE % Adjusted to Book Value is 0.62%. LivingTrust Mortgage Bank's overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current ROE % Adjusted to Book Value is 0.62% as of Jun. 2026. 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 ₦3.25 is trading 98.2% below its estimated GF Value™ of ₦176.58. GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.

Key valuation signals for NSA:LIVINGTRUST:

  • ROE % Adjusted to Book Value: 0.62%
  • GF Value™: ₦176.58 vs. price of ₦3.25 (98.2% below fair value)
  • GF Score™: 61/100 with 1 warning sign

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.
61GF Score

Get the complete analysis for NSA:LIVINGTRUST

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦3.25
Price
₦176.58
GF Value