The historical rank and industry rank for LivingTrust Mortgage Bank's ROE % or its related term are showing as below:
NSA:LIVINGTRUST'
s ROE % Range Over the Past 10 Years
Min: 2.39 Med: 14.21 Max: 23.58
Current: 20.5
During the past 9 years, LivingTrust Mortgage Bank's highest ROE % was 23.58%. The lowest was 2.39%. And the median was 14.21%.
NSA:LIVINGTRUST's ROE % is ranked better than 92.45% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs NSA:LIVINGTRUST: 20.50
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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.
NSA:LIVINGTRUST vs RKT, FNMA, PFSI: ROE % Comparison
For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's ROE % distribution charts can be found below:
* The bar in red indicates where LivingTrust Mortgage Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a ROE % of 20.96% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on LivingTrust Mortgage Bank and its competitors. This is 48% above median its historical median of 14.21. Over the past decade, LivingTrust Mortgage Bank's ROE % has ranged from 2.39 to 23.58. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #115 out of 1523 companies in the Banks industry, placing it in the top 7.6%.
Is LivingTrust Mortgage Bank's ROE % too high?
LivingTrust Mortgage Bank's current ROE % of 20.96% is 48% above median its 10-year median of 14.21. Over the past 10 years, this metric has ranged from a low of 2.39 to a high of 23.58. The Banks industry median ROE % is 10.22. LivingTrust Mortgage Bank's value of 20.96% is 105.1% above this industry median. Based on the distribution chart, LivingTrust Mortgage Bank ranks #115 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position 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 ROE % compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #115 out of 1523 companies for ROE %. This places LivingTrust Mortgage Bank in the top 8% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. LivingTrust Mortgage Bank's value of 20.96% is 105.1% above this benchmark. Historically, LivingTrust Mortgage Bank's own ROE % has ranged from 2.39 to 23.58 over the past decade. While the company's 10-year median is 14.21 vs. the industry median of 10.22, LivingTrust Mortgage Bank 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LivingTrust Mortgage Bank's current ROE % of 20.96% is 105.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current ROE % is 20.96%, which is 48% above median its own 10-year median of 14.21. 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 ROE % is 20.96%, which is 48% above median its 10-year median of 14.21 and 105.1% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current ROE % is 20.96% 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:
ROE %: 20.96% (48% above median its 10-year median of 14.21)
GF Value™: ₦6.01 vs. price of ₦3.39 (43.6% below fair value)
Industry Position: 105.1% above the Banks median (#115 of 1523)
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 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
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