Lifestore Financial Group, Inc. (LSFG) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Lifestore Financial Group, Inc. (LSFG) trades at $59.90 with AI Score 56/100 (Grade B). LifeStore Financial Group, Inc. Market cap: $61.7M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for LSFG: LSFG does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates LSFG against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
LSFG: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Lifestore Financial Group, Inc. (LSFG) Financial Services Profile
LifeStore Financial Group, Inc., operating through LifeStore Bank, provides banking services in North Carolina, focusing on personal and business banking solutions. With a market capitalization of $61.7M and a P/E ratio of 7.93, the company offers traditional banking products and services, including loans, deposits, and online banking.
What Is the Investment Thesis for LSFG?
LifeStore Financial Group, Inc. presents a community banking model with a focus on North Carolina. The company's financial profile includes a market capitalization of $61.7M, a P/E ratio of 7.93, a profit margin of 19.7%, and a dividend yield of 1.27%. Growth catalysts include expansion of digital banking services and strategic lending initiatives within its local market. Potential risks include competition from larger regional and national banks, as well as regulatory changes affecting the banking industry. The company's beta of 0.41 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
LSFG Key Highlights
Market capitalization of $61.7M indicates a smaller community bank.
- P/E ratio of 7.93 suggests a potentially undervalued stock compared to industry peers.
- Profit margin of 19.7% demonstrates efficient operations and profitability.
- Dividend yield of 1.27% provides a modest income stream for investors.
- Beta of 0.41 indicates lower volatility compared to the overall market.
Who Are LSFG's Competitors?
LSFG is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BAOB The Baraboo Bancorporation, Inc. | $7.09 | +0.00% | $62.6M | 50 |
| CBAF CITBA Financial Corporation | $43.50 | +1.28% | $66.2M | 55 |
| CEFC Commercial National Financial Corporation | $15.80 | +0.19% | $62.2M | 50 |
| FFWC FFW Corporation | $53.75 | -1.79% | $58.2M | 45 |
| HFBK Harford Bank | $45.30 | -0.18% | $56.0M | 54 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LSFG's Key Strengths?
Strong local presence in North Carolina.
- Established customer base and community relationships.
- Diversified range of banking products and services.
- Experienced management team.
What Are LSFG's Weaknesses?
Limited geographic reach compared to larger regional banks.
- Smaller market capitalization and resources.
- Dependence on local economy.
- Vulnerability to interest rate fluctuations.
What Could Drive LSFG Stock Higher?
Potential expansion of digital banking services to attract new customers and enhance customer experience.
- Strategic lending initiatives focused on small businesses and commercial real estate in North Carolina.
- Focus on community engagement and local partnerships to strengthen brand reputation.
- Potential for increased profitability through cost optimization and efficiency improvements.
- Diversification of revenue streams through insurance agency products and services.
What Are the Key Risks for LSFG?
Financial-distress signal — its Altman Z-Score of 0.29 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Regulatory changes and compliance costs affecting the banking industry.
- Economic downturns and credit risk impacting loan portfolio.
- Cybersecurity threats and data breaches compromising customer data.
- Dependence on the local economy of North Carolina.
What Are the Growth Opportunities for LSFG?
- Expansion of Digital Banking Services: Investing in and expanding digital banking platforms to attract and retain customers is crucial. The digital banking market is projected to reach $9 trillion by 2027, presenting a significant opportunity for LifeStore Financial Group to enhance its customer experience and expand its reach beyond its physical branch locations. Timeline: Ongoing.
- Strategic Lending Initiatives: Focusing on niche lending markets, such as small business loans and commercial real estate loans, can drive growth. The market for small business loans is expected to grow as the economy recovers, providing LifeStore Financial Group with opportunities to increase its loan portfolio and revenue. Timeline: Ongoing.
- Insurance Agency Products and Services: Expanding insurance offerings can diversify revenue streams and provide additional value to customers. The insurance market is projected to grow, driven by increasing demand for property, casualty, and life insurance products. LifeStore Financial Group can leverage its existing customer base to cross-sell insurance products. Timeline: Ongoing.
- Investment and Cash Management Services: Offering investment and cash management services can attract high-net-worth individuals and businesses. The wealth management market is growing, driven by increasing affluence and demand for financial planning services. LifeStore Financial Group can partner with established investment firms to provide these services. Timeline: Ongoing.
- Community Engagement and Local Partnerships: Strengthening ties with local communities and businesses can enhance brand reputation and customer loyalty. Participating in community events, sponsoring local initiatives, and partnering with local businesses can increase LifeStore Financial Group's visibility and attract new customers. Timeline: Ongoing.
What Are LSFG's Competitive Advantages?
- Strong local presence and community relationships in North Carolina.
- Established customer base and brand reputation.
- Federally chartered thrift holding company status provides regulatory advantages.
- Personalized service and local decision-making.
- Diversified range of banking products and services.
What Does LSFG Do?
LifeStore Financial Group, Inc., established in 1939 and headquartered in West Jefferson, North Carolina, operates as the holding company for LifeStore Bank. Originally known as AF Financial Group, the company rebranded in 2009 to reflect its commitment to providing community-focused banking services. LifeStore Bank offers a range of personal and business banking products, including checking, savings, and money market accounts, as well as certificates of deposit. The bank also provides various loan products such as mortgage loans, automobile loans, home equity lines of credit, commercial real estate loans, commercial construction loans, investment property loans, equipment loans, working capital loans/lines of credit, and small business administration loans. Additionally, LifeStore Financial Group offers credit cards, insurance agency products and services, investment and cash management services, and online and mobile banking services to cater to the evolving needs of its customers. As a subsidiary of AsheCo MHC, Inc., LifeStore Financial Group maintains a strong local presence in North Carolina, focusing on building long-term relationships with its customers and supporting the economic growth of the communities it serves.
What Products and Services Does LSFG Offer?
- Provides personal and business banking products and services in North Carolina.
- Offers checking, savings, and money market accounts.
- Provides certificates of deposit.
- Offers mortgage loans, automobile loans, and home equity lines of credit.
- Provides commercial real estate loans and commercial construction loans.
- Offers investment property loans, equipment loans, and working capital loans/lines of credit.
- Provides small business administration loans.
- Offers credit cards.
How Does LSFG Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides insurance agency products and services for commission.
- Offers investment and cash management services for fees.
- Utilizes online and mobile banking services to enhance customer experience and reduce operational costs.
What Industry Does LSFG Operate In?
LifeStore Financial Group operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is also subject to regulatory changes and interest rate fluctuations. Regional banks like LifeStore Financial Group focus on building local relationships and providing personalized services to differentiate themselves. The market is seeing a trend towards digital banking solutions and mobile accessibility, requiring regional banks to invest in technology to remain competitive.
Who Are LSFG's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Commercial clients needing real estate and construction financing.
- Customers seeking insurance products and services.
- Individuals and businesses seeking investment and cash management services.
Company Profile
Lifestore Financial Group, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in West Jefferson, US. The company is led by CEO Robert E. Washburn. LSFG has traded publicly since 1998.
Lifestore Financial Group, Inc. Financial Trajectory
Lifestore Financial Group, Inc. (LSFG) reported $9.7M in revenue for Q1 2026, reflecting 8.4% growth compared to the prior quarter. The company recorded net income of $2.0M, with diluted EPS of $1.89. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, LSFG averaged $1.80 in diluted EPS.
How Lifestore Financial Group, Inc. Is Valued
Lifestore Financial Group, Inc. carries a market capitalization of $61.7M, placing it in the micro-cap category. Relative to its peer group, LSFG's quantitative score of 56/100 is roughly in line with the peer average of 51/100.
Key Financial Metrics
Return on equity for Lifestore Financial Group, Inc. stands at 12.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.4%, showing how much profit it generates from its asset base. LSFG trades at a trailing price-to-earnings ratio of 9.94, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.1%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Lifestore Financial Group, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.29 places it in the distress zone, a signal of elevated financial risk.
LSFG Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Strong local presence in North Carolina.
- Established customer base and community relationships.
- Diversified range of banking products and services.
- Experienced management team.
Bear Case
- Limited geographic reach compared to larger regional banks.
- Smaller market capitalization and resources.
- Dependence on local economy.
- Vulnerability to interest rate fluctuations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $10M | $2M | $1.89 |
| Q4 2025 | $9M | $2M | $1.55 |
| Q3 2025 | $9M | $2M | $2.03 |
| Q2 2025 | $8M | $1M | $1.72 |
Based on FMP financials and quantitative analysis
LSFG Latest News
No recent news available for LSFG.
LSFG Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LSFG.
Price Targets
Wall Street price target analysis for LSFG.
LSFG MoonshotScore
What does this score mean?
The MoonshotScore rates LSFG 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Robert E. Washburn
CEO
Robert E. Washburn serves as the CEO of LifeStore Financial Group, Inc. His career spans several decades in the banking and financial services industry. He has held various leadership positions, focusing on strategic planning, risk management, and community development. Washburn's expertise includes commercial lending, retail banking, and regulatory compliance. He is actively involved in community organizations and serves on various boards, demonstrating his commitment to local economic growth. His educational background includes a degree in Business Administration and certifications in banking management.
Track Record: Under Robert E. Washburn's leadership, LifeStore Financial Group has focused on maintaining a strong community banking presence in North Carolina. Key achievements include enhancing customer relationships, expanding digital banking services, and maintaining a stable financial performance. He has overseen strategic lending initiatives and implemented risk management practices to ensure the bank's long-term sustainability. Washburn has also focused on fostering a positive work environment and promoting employee development.
LSFG OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that LifeStore Financial Group may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies with distressed financials, shell corporations, or those that choose not to comply with higher reporting standards.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Higher potential for fraud and manipulation.
- Lower liquidity and wider bid-ask spreads.
- Greater price volatility.
- Potential for delisting or suspension of trading.
- Verify the company's financial statements and SEC filings (if available).
- Research the background and experience of the management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any regulatory actions or legal proceedings against the company.
- Review the company's capitalization structure and shareholder base.
- Consult with a qualified financial advisor.
- Established history of operations since 1939.
- Federally chartered thrift holding company status.
- Subsidiary of AsheCo MHC, Inc.
- Presence of a CEO and management team.
- Provision of banking products and services in North Carolina.
Common Questions About LSFG (Financial Services)
What does the AI Score mean for LSFG?
LSFG holds an AI Score of 56/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. LifeStore Financial Group, Inc. is a federally chartered thrift holding company operating through LifeStore Bank, providing banking products and services in North Carolina. The company focuses …
What does Lifestore Financial Group, Inc. do?
LifeStore Financial Group, Inc., through its subsidiary LifeStore Bank, provides a range of banking products and services to individuals and businesses in North Carolina. These include deposit accounts like checking, savings, and CDs, as well as various loan products such as mortgages, auto loans, and commercial loans. The company also offers online and mobile banking services, insurance products, and investment management services, focusing on building relationships within its local communities.
What do analysts say about LSFG stock?
As of March 18, 2026, there is no readily available analyst consensus on LSFG stock due to its OTC listing and smaller market capitalization. Key valuation metrics include a P/E ratio of 7.93, a profit margin of 19.7%, and a dividend yield of 1.27%.
What are the main risks for LSFG?
LifeStore Financial Group faces several risks, including competition from larger banks with greater resources, regulatory compliance costs, and the potential for economic downturns impacting its loan portfolio. As an OTC-listed stock, LSFG also carries risks related to limited liquidity, financial disclosure, and potential price volatility. Cybersecurity threats and data breaches are ongoing concerns for all financial institutions.
What are the key factors to evaluate for LSFG?
Lifestore Financial Group, Inc. (LSFG) holds an AI score of 56/100 (moderate). presents a community banking model with a focus on North Carolina. Not financial advice.
How frequently does LSFG data refresh on this page?
LSFG's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven LSFG's recent stock price performance?
Lifestore Financial Group, Inc. (LSFG) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in North Carolina. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LSFG overvalued or undervalued right now?
Lifestore Financial Group, Inc. (LSFG) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research LSFG before investing?
Before investing in Lifestore Financial Group, Inc. (LSFG), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
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- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than major exchange data.