Lifestore Financial Group, Inc. (LSFG)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 23 | 21 | 23 | 22 | 34 | - | 29 | - |
| Operating profit | $m | 7 | 11 | ||||||
| Net profit | $m | 7 | 5 | 6 | 5 | 6 | - | 7 | - |
| EPS reported | $ | 5.40 | 7.19 | ||||||
| Operating cashflow per share | $ | 5.33 | 0.00 | ||||||
| Capex per share | $ | 0.44 | 0.00 | ||||||
| FCF per share | $ | 4.89 | 0.00 | ||||||
| Free cash flow | $m | 5 | 0 | ||||||
| Net debt | $m | -37 | -52 | ||||||
| Book value equity | $m | 55 | 61 | ||||||
| Book value per share | $ | 53.53 | 58.06 | ||||||
| Number of shares | m | 1.03 | 1.05 | ||||||
| DPS (TTM paid) | $ | 0.60 | 1.35 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.70 | 8.26 | ||||||
| P/B LTM | x | 0.71 | 0.79 | ||||||
| P/S LTM | x | 1.17 | 1.68 | ||||||
| P/FCF LTM | x | 7.81 | 0.00 | ||||||
| EV/EBITDA LTM | x | -2.23 | 53.20 | ||||||
| EV/Sales LTM | x | 0.34 | 0.17 | ||||||
| Earnings Yield LTM | % | +11.49% | +12.11% | ||||||
| FCF Yield | % | +12.80% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +10.08% | +11.99% | ||||||
| ROIC | % | +6.06% | +1.67% | ||||||
| Operating margin | % | +19.85% | +31.44% | ||||||
| Gross margin | % | +70.36% | +69.16% | ||||||
| FCF/Sales | % | +14.92% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +10.88% | +33.15% | ||||||
| Sales Growth YoY | % | +50.88% | -14.83% | ||||||
| Net Income Growth YoY | % | +10.89% | +25.99% | ||||||
| FCF Growth | % | -23.11% | -100.00% | ||||||
| Operating Profit Growth | % | +10.89% | +66.38% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.28% | +1.15% | ||||||
| Dividend Growth | % | +9.09% | +125.00% | ||||||
| Payout Ratio | % | +11.12% | +11.12% | ||||||
| FCF/Debt | x | 0.97 | 0.00 | ||||||
| Net Debt/EBITDA | x | -5.50 | -240.16 | ||||||
| EBIT/Net interest | x | 0.00 | 1.66 | ||||||
| Net debt/market cap | % | +10.68% | +8.82% | ||||||
| Net debt/Equity | x | -0.67 | -0.86 | ||||||
| Gross debt/equity | x | 0.09 | 0.08 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
LifeStore Financial Group, Inc. (LSFG) serves as a federally chartered thrift holding company, overseeing LifeStore Bank, which provides a comprehensive array of personal and business banking products and services throughout North Carolina. The company offers various deposit accounts, including checking, savings, money market accounts, and certificates of deposit. Its extensive loan portfolio covers residential mortgages, automobile loans, and home equity lines of credit, alongside commercial real estate and construction loans, investment property loans, equipment financing, working capital lines of credit, and Small Business Administration (SBA) loans. Additionally, LSFG provides credit cards. Beyond traditional banking, the company extends its services to include insurance agency products, investment and cash management solutions, and convenient online and mobile banking platforms. Established in 1939 and based in West Jefferson, North Carolina, the company rebranded from AF Financial Group to LifeStore Financial Group, Inc. in September 2009. LSFG operates as a subsidiary of AsheCo MHC, Inc.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Lifestore Financial Group, Inc. (LSFG)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
LifeStore Financial Group, Inc. (LSFG) serves as a federally chartered thrift holding company, overseeing LifeStore Bank, which provides a comprehensive array of personal and business banking products and services throughout North Carolina. The company offers various deposit accounts, including checking, savings, money market accounts, and certificates of deposit. Its extensive loan portfolio covers residential mortgages, automobile loans, and home equity lines of credit, alongside commercial real estate and construction loans, investment property loans, equipment financing, working capital lines of credit, and Small Business Administration (SBA) loans. Additionally, LSFG provides credit cards. Beyond traditional banking, the company extends its services to include insurance agency products, investment and cash management solutions, and convenient online and mobile banking platforms. Established in 1939 and based in West Jefferson, North Carolina, the company rebranded from AF Financial Group to LifeStore Financial Group, Inc. in September 2009. LSFG operates as a subsidiary of AsheCo MHC, Inc.
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