LSFG (Lifestore Financial Group) Scaled Net Operating Assets: 0.03 (As of Jun. 2025)

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LSFG Lifestore Financial Group Inc LSFG
58 GF Score
Price $63.00
GF Value $50.97
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Lifestore Financial Group Scaled Net Operating Assets?

Lifestore Financial Group LSFG 58 Scaled Net Operating Assets is 0.03 as of Jun. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Lifestore Financial Group's operating assets for the quarter that ended in Jun. 2025 was $432.40 Mil. Lifestore Financial Group's operating liabilities for the quarter that ended in Jun. 2025 was $418.76 Mil. Lifestore Financial Group's Total Assets for the quarter that ended in Jun. 2024 was $451.81 Mil. Therefore, Lifestore Financial Group's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2025 was 0.03.

LSFG
58GF Score
Lifestore Financial Group Inc LSFG
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Lifestore Financial Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Lifestore Financial Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jun. 2025 )
=(Operating Assets (A: Jun. 2025 )-Operating Liabilities (A: Jun. 2025 ))/Total Assets (A: Jun. 2024 )
=(432.396-418.763)/451.812
=0.03

where

Operating Assets(A: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=479.079 - 46.683
=432.396

Operating Liabilities(A: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=423.918 - 5.155 - 0
=418.763

Lifestore Financial Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2025 )
=(Operating Assets (Q: Jun. 2025 )-Operating Liabilities (Q: Jun. 2025 ))/Total Assets (Q: Jun. 2024 )
=(432.396-418.763)/451.812
=0.03

where

Operating Assets(Q: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=479.079 - 46.683
=432.396

Operating Liabilities(Q: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=423.918 - 5.155 - 0
=418.763

* 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 Scaled Net Operating Assets of 0.03 mean?
Lifestore Financial Group (LSFG) has a Scaled Net Operating Assets of 0.03 as of Jun. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Lifestore Financial Group and its competitors.
Is Lifestore Financial Group's Scaled Net Operating Assets too high?
Lifestore Financial Group's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets compare to CLST and SMAL?
Lifestore Financial Group's Scaled Net Operating Assets of 0.03 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Lifestore Financial Group and its competitors. Lifestore Financial Group's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Lifestore Financial Group (LSFG), the current Scaled Net Operating Assets is 0.03 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:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: $50.97 vs. price of $63.00 (23.6% above fair value)
  • GF Score™: 58/100 with 5 warning signs

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 Business Description

Address 21 East Ashe Street, P.O. Box 26, West Jefferson, NC, USA, 28694
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$63.00
Price
$50.97
GF Value