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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.
LivingTrust Mortgage BankNSA:LIVINGTRUST 62 5-Year Yield-on-Cost % is 2.36 as of Jul. 15, 2026, which is 127% above its 10-year median of 1.04. GuruFocus rates NSA:LIVINGTRUST with a GF Score™ of 62/100 and a GF Value™ of ₦6.02 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,256 Banks companies, LivingTrust Mortgage Bank ranks worse than 76.67% on this metric.
The historical rank and industry rank for LivingTrust Mortgage Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
NSA:LIVINGTRUST'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.37 Med: 1.04 Max: 5
Current: 2.36
During the past 9 years, LivingTrust Mortgage Bank's highest Yield on Cost was 5.00. The lowest was 0.37. And the median was 1.04.
NSA:LIVINGTRUST's 5-Year Yield-on-Cost % is ranked worse than 76.67% of 1256
companies
in the Banks industry
Industry Median: 3.885
vs NSA:LIVINGTRUST: 2.36
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
LivingTrust Mortgage Bank 5-Year Yield-on-Cost % Related Terms
NSA:LIVINGTRUST vs RKT, FNMA, PFSI: 5-Year Yield-on-Cost % Comparison
For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where LivingTrust Mortgage Bank's 5-Year Yield-on-Cost % falls into.
LivingTrust Mortgage Bank 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a 5-Year Yield-on-Cost % of 2.36 as of Jul. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on LivingTrust Mortgage Bank and its competitors. This is 127% above median its historical median of 1.04. Over the past decade, LivingTrust Mortgage Bank's 5-Year Yield-on-Cost % has ranged from 0.37 to 5.00. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #963 out of 1256 companies in the Banks industry, placing it in the top 76.7%.
Is LivingTrust Mortgage Bank's 5-Year Yield-on-Cost % too high?
LivingTrust Mortgage Bank's current 5-Year Yield-on-Cost % of 2.36 is 127% above median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 5.00. The Banks industry median 5-Year Yield-on-Cost % is 3.89. LivingTrust Mortgage Bank's value of 2.36 is 39.3% below this industry median. Based on the distribution chart, LivingTrust Mortgage Bank ranks #963 out of 1256 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 5-Year Yield-on-Cost % compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #963 out of 1256 companies for 5-Year Yield-on-Cost %. This places LivingTrust Mortgage Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. LivingTrust Mortgage Bank's value of 2.36 is 39.3% below this benchmark. Historically, LivingTrust Mortgage Bank's own 5-Year Yield-on-Cost % has ranged from 0.37 to 5.00 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 3.89, LivingTrust Mortgage Bank has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LivingTrust Mortgage Bank's current 5-Year Yield-on-Cost % of 2.36 is 39.3% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current 5-Year Yield-on-Cost % is 2.36, which is 127% above median its own 10-year median of 1.04. 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 ₦6.02, compared to a current price of ₦3.39 — trading 43.7% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.36, which is 127% above median its 10-year median of 1.04 and 39.3% below the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current 5-Year Yield-on-Cost % is 2.36 as of Jul. 15, 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 ₦3.39 is trading 43.7% below its estimated GF Value™ of ₦6.02.
GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.
Key valuation signals for NSA:LIVINGTRUST:
5-Year Yield-on-Cost %: 2.36 (127% above median its 10-year median of 1.04)
GF Value™: ₦6.02 vs. price of ₦3.39 (43.7% below fair value)
Industry Position: 39.3% below the Banks median (#963 of 1256)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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