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    Banks - Regional
Lifestore Financial Group, Inc.

Lifestore Financial Group, Inc.

LSFG
Lifestore Financial Group, Inc.US flagOther OTC
54.00
USD
- -
- -
55.65MMarket Cap
Lifestore Financial Group, Inc.
LSFG
(Other OTC)

Recent

price

54.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2019
2020
2021
2022
2023
2024
TTM
FRC
1.05
1.24
6.48
7.64
7.16
9.15
9.77
10.75
11.71
12.39
17.16
18.7
22.45
20.48
22.5
- -
13.02
Revenue per Share
0.73
0.52
0.45
0.48
0.03
0.36
-0.3
0.62
0.97
1.4
3.86
4.05
6.5
4.74
5.7
- -
1.84
Basic EPS, GAAP
-0.19
0.09
0.89
0.49
0.51
1.37
1.23
2.04
3.57
0.39
1.94
0.33
11.51
4.89
4.06
- -
2.96
Free Cash Flow per Basic Share
0.21
0.21
0.2
0.2
0.17
0.17
0.14
0.1
0.1
0.1
0.25
0.28
0.29
0.4
0.5
- -
0.1
Dividend per Share
7.51
8.08
8.28
8.34
6.82
8.03
7.57
8.03
8.91
10.1
25.02
28.54
34.75
39.09
44.29
- -
10.9
Book Value per Share
11.54
11.85
11.35
11.23
9.26
10.91
10.37
10.9
11.77
12.75
27.04
31.22
38.74
38.62
42.26
- -
13.71
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
- -
1
Basic Weighted Avg Shares
1
1
7
8
9
10
10
11
12
13
18
19
23
21
23
22
14
Sales/Revenue/Turnover
- -
- -
- -
10.33
1.07
- -
-4.24
10.17
13.71
16.53
- -
- -
- -
- -
- -
- -
14.57
Operating Margin (%)
- -
- -
- -
1
- -
1
1
1
1
1
1
1
1
1
1
1
1
Depreciation Expense
1
1
- -
- -
- -
- -
- -
1
1
1
4
4
7
5
6
5
2
Net Income, GAAP
34.99
31.43
41.96
39.15
60.95
40.55
- -
43.19
39.42
31.67
16.41
15.35
17.45
19.22
16.72
17.06
28.59
Effective Tax Rate (%)
69.7
41.92
6.94
6.28
0.42
3.94
-3.03
5.78
8.31
11.29
22.51
21.66
28.95
23.14
25.33
22.4
14.13
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4
3
16
19
6
27
39
32
30
26
38
36
19
13
13
5
36
LT Debt
11
12
13
13
13
13
12
13
14
16
31
36
44
44
48
53
17
Total Equity
- -
- -
- -
1.61
0.1
- -
- -
1.3
2.12
3.22
- -
- -
- -
- -
- -
- -
2.48
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.86
6.73
5.55
5.81
0.43
4.53
-3.8
7.97
11.51
14.74
21.8
15.19
20.54
12.84
13.67
10.5
18.37
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'07
Sep'19
Dec'19
ST Debt
1
12
14
LT Borrowings
26
31
36
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
1
1
1
Shares Outstanding
1
1
1
Market Capitalization
18
17
15

Working Capital

FRC

•

in mil. unless spec.
Jun'07
Sep'19
Dec'19
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
12
9
8
Accounts Receivable, Net
1
1
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
3
2
ST Debt
1
12
14
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
17.63%
11.15%
10.55%
Free Cash Flow
368.68%
652.23%
56.85%
Net Income, GAAP
-17.83%
9%
-14.63%
Sales/Revenue/Turnover
9.47%
5.56%
-3.45%
Total Cash Common Dividend
18.99%
17.95%
10%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
21
2023
- -
- -
- -
- -
23
2024
- -
- -
- -
- -
22

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
4.74
2023
- -
- -
- -
- -
5.7
2024
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
0.4
2023
- -
- -
- -
- -
0.5
2024
- -
- -
- -
- -
- -
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Business
Lifestore Financial Group, Inc. (LSFG) operates as a North Carolina-chartered bank holding company that owns 100% of LifeStore Bank and LifeStore Insurance Services, providing comprehensive personal and business banking, investment, and insurance products and services primarily in northwestern North Carolina. LifeStore Bank offers checking accounts, savings accounts, money market accounts, and certificates of deposit; mortgage loans, automobile loans, home equity lines of credit, commercial real estate loans, commercial construction loans, investment property loans, equipment loans, working capital loans and lines of credit, and small business administration loans; credit cards; overdraft protection; and online and mobile banking services, with branches in Boone, Jefferson, and West Jefferson, plus a loan production office in Elkin. LifeStore Insurance Services functions as an independent insurance agency serving Elkin, Lenoir, Newland, and Sparta in addition to core banking markets, while investment and cash management services support individual and business clients. Founded in 1939 and headquartered at 1441 Mount Jefferson Road in West Jefferson, North Carolina, the company--formerly known as AF Financial Group until its name change in September 2009--serves community-focused customers in the regional banking sector as a subsidiary of AsheCo MHC, Inc. It maintains a commitment to local economic growth through personalized lending solutions like business loans and mortgages tailored to budgets and lifestyles, alongside community partnerships emphasized in its 2025 annual report. Recent quarterly financial reports through April 2025 highlight stable operations amid ongoing fraud prevention initiatives and debit card enhancements, with no major acquisitions, funding rounds, or strategic shifts announced in the past two years.

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