OTCPK:LSFG

Stock Analysis Report

Lifestore Financial Group

Executive Summary

LifeStore Financial Group provides banking and financial products and services in North Carolina.

Snowflake

Fundamentals

Adequate balance sheet and fair value.

Share Price & News

How has Lifestore Financial Group's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

3.5%

LSFG

1.7%

US Banks

1.3%

US Market


1 Year Return

28.9%

LSFG

0.3%

US Banks

5.9%

US Market

Return vs Industry: LSFG exceeded the US Banks industry which returned 0.3% over the past year.

Return vs Market: LSFG exceeded the US Market which returned 5.9% over the past year.


Shareholder returns

LSFGIndustryMarket
7 Day3.5%1.7%1.3%
30 Day5.0%-2.4%-1.9%
90 Day9.1%1.0%-1.8%
1 Year30.0%28.9%3.2%0.3%8.3%5.9%
3 Year118.6%114.8%52.1%41.7%45.6%36.2%
5 Year243.5%237.6%69.8%51.4%66.1%47.9%

Price Volatility Vs. Market

How volatile is Lifestore Financial Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Lifestore Financial Group undervalued compared to its fair value and its price relative to the market?

9.18x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: LSFG ($35.45) is trading above our estimate of fair value ($28.73)

Significantly Undervalued: LSFG is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: LSFG is good value based on its PE Ratio (9.2x) compared to the Banks industry average (12.5x).

PE vs Market: LSFG is good value based on its PE Ratio (9.2x) compared to the US market (17.5x).


Price to Earnings Growth Ratio

Low PEG Ratio: Insufficient data to calculate LSFG's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: LSFG is good value based on its PB Ratio (1.2x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Lifestore Financial Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

2.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: LSFG's forecast earnings growth (2.6% per year) is below the savings rate (2.7%).

Earnings vs Market: LSFG's earnings (2.6% per year) are forecast to grow slower than the US market (14.4% per year).

High Growth Earnings: LSFG's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if LSFG's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if LSFG's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if LSFG's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Lifestore Financial Group performed over the past 5 years?

23.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: LSFG's earnings have grown significantly by 23.6% per year over the past 5 years.

Accelerating Growth: LSFG's earnings growth over the past year (23.6%) exceeds its 5-year average (23.6% per year).

Earnings vs Industry: LSFG earnings growth over the past year (23.6%) underperformed the Banks industry 31.8%.


Return on Equity

High ROE: LSFG's Return on Equity (12.6%) is considered low.


Return on Assets

ROA vs Industry: LSFG has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate LSFG's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Lifestore Financial Group's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: LSFG has a low level of unsold assets or inventory.

Debt Coverage by Assets: LSFG's debt is not covered by short term assets (assets are 0.5x debt).


Financial Institutions Analysis

Asset Level: LSFG's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if LSFG has a sufficient allowance for bad loans.

Low Risk Liabilities: LSFG's liabilities are made up of primarily low risk sources of funding.

Loan Level: LSFG has an acceptable proportion of non-loan assets held.

Low Risk Deposits: LSFG's loans are broadly funded by customer deposits.

Level of Bad Loans: Insufficient data to determine if LSFG has an appropriate level of bad loans.


Next Steps

Dividend

What is Lifestore Financial Group's current dividend yield, its reliability and sustainability?

0.79%

Current Dividend Yield


Dividend Yield vs Market

company0.8%marketbottom25%1.5%markettop25%3.8%industryaverage3.1%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: LSFG's dividend (0.79%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.47%).

High Dividend: LSFG's dividend (0.79%) is low compared to the top 25% of dividend payers in the US market (3.77%).

Stable Dividend: LSFG is not paying a notable dividend for the US market, therefore no need to check if payments are stable.

Growing Dividend: LSFG is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.


Current Payout to Shareholders

Dividend Coverage: LSFG is not paying a notable dividend for .


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of LSFG's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Lifestore Financial Group's salary, the management and board of directors tenure and is there insider trading?

14.9yrs

Average management tenure


CEO

Bob Washburn (61yo)

14.9yrs

Tenure

US$249,351

Compensation

Mr. Robert E. Washburn, also known as Bob, has been President and Chief Executive Officer of LifeStore Financial Group, Inc. (MHC) (formerly, LifeStore Financial Group (MHC)) and LifeStore Bank since Novem ...


CEO Compensation Analysis

Compensation vs. Market: Bob's total compensation ($USD0.00) is too low to compare against companies of similar size in the US market ($USD495.77K).

Compensation vs Earnings: Bob's compensation has been consistent with company performance over the past year.


Management Age and Tenure

14.9yrs

Average Tenure

61yo

Average Age

Experienced Management: LSFG's management team is seasoned and experienced (14.9 years average tenure).


Board Age and Tenure

5.8yrs

Average Tenure

64.5yo

Average Age

Experienced Board: LSFG's board of directors are considered experienced (5.8 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Melanie Miller (47yo)

    CFO, Executive VP

    • Tenure: 21.8yrs
    • Compensation: US$184.48k
  • Joedy Eller (62yo)

    Executive VP & Chief Banking Officer

    • Tenure: 14.8yrs
    • Compensation: US$123.99k
  • Bob Washburn (61yo)

    CEO, President & Director

    • Tenure: 14.9yrs
    • Compensation: US$249.35k
  • Ruth Johnson

    Chief Credit Officer & Executive VP

    • Tenure: 0yrs
  • Jody Brown

    President of Lifestore Insurance

    • Tenure: 0yrs

Board Members

  • Jan Caddell (79yo)

    Chairman & Director of Lifestore Bank

    • Tenure: 0yrs
    • Compensation: US$42.94k
  • Jerry Roten (73yo)

    Chairman of the Board

    • Tenure: 4.8yrs
    • Compensation: US$20.80k
  • Michael Sherman (59yo)

    Vice Chairman of the Board

    • Tenure: 3.8yrs
    • Compensation: US$19.30k
  • Donald Moore (65yo)

    Director

    • Tenure: 18.8yrs
    • Compensation: US$19.30k
  • Harry Davis (71yo)

    Director

    • Tenure: 2.8yrs
  • Bob Washburn (61yo)

    CEO, President & Director

    • Tenure: 14.9yrs
    • Compensation: US$249.35k
  • Claudia Kelley (67yo)

    Director

    • Tenure: 16.8yrs
    • Compensation: US$19.90k
  • Karen Powell (57yo)

    Director

    • Tenure: 12.9yrs
    • Compensation: US$17.55k
  • Charles Jones (53yo)

    Director

    • Tenure: 5.8yrs
  • Jim Walker (64yo)

    Director

    • Tenure: 3.7yrs

Company Information

Lifestore Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Lifestore Financial Group, Inc.
  • Ticker: LSFG
  • Exchange: OTCPK
  • Founded: 1939
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$37.258m
  • Shares outstanding: 1.05m
  • Website: https://www.golifestore.com

Location

  • Lifestore Financial Group, Inc.
  • 21 East Ashe Street
  • PO Box 26
  • West Jefferson
  • North Carolina
  • 28694
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
LSFGOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 1996

Biography

LifeStore Financial Group provides banking and financial products and services in North Carolina. The company offers personal services, including checking accounts, savings accounts, certificate of deposit ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 23:30
End of Day Share Price2019/10/08 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.