LOB PE Ratio & Valuation, Is LOB Overvalued

Historical Valuation

Live Oak Bancshares Inc (LOB) is now in the Undervalued zone, suggesting that its current forward PE ratio of 12.30 is considered Undervalued compared with the five-year average of 18.54. The fair price of Live Oak Bancshares Inc (LOB) is between 33.97 to 60.54 according to relative valuation method. Compared to the current price of 33.08 USD , Live Oak Bancshares Inc By Undervalued By 2.63%.

Relative Value

Fair Zone

33.97-60.54

Current Price：33.08

2.63%

Undervalued

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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Live Oak Bancshares Inc (LOB) has a current Price-to-Book (P/B) ratio of 1.44. Compared to its 3-year average P/B ratio of 1.63, the current P/B ratio is approximately -11.58% higher. Relative to its 5-year average P/B ratio of 2.33, the current P/B ratio is about -38.01% higher. Live Oak Bancshares Inc (LOB) has a Forward Free Cash Flow (FCF) yield of approximately 31.31%. Compared to its 3-year average FCF yield of 25.74%, the current FCF yield is approximately 21.65% lower. Relative to its 5-year average FCF yield of 14.14%, the current FCF yield is about 121.51% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for LOB competitors is 3.64, providing a benchmark for relative valuation. Live Oak Bancshares Inc Corp (LOB.N) exhibits a P/S ratio of 2.50, which is -31.16% above the industry average. Given its robust revenue growth of 6.99%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of LOB increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of LOB in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is LOB currently overvalued or undervalued?

What is Live Oak Bancshares Inc (LOB) fair value?

LOB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Live Oak Bancshares Inc (LOB) is between 33.97 to 60.54 according to relative valuation method.

How does LOB's valuation metrics compare to the industry average?

The average P/S ratio for LOB's competitors is 3.64, providing a benchmark for relative valuation. Live Oak Bancshares Inc Corp (LOB) exhibits a P/S ratio of 2.50, which is -31.16% above the industry average. Given its robust revenue growth of 6.99%, this premium appears unsustainable.

What is the current P/B ratio for Live Oak Bancshares Inc (LOB) as of Mar 12 2026?

As of Mar 12 2026, Live Oak Bancshares Inc (LOB) has a P/B ratio of 1.44. This indicates that the market values LOB at 1.44 times its book value.

What is the current FCF Yield for Live Oak Bancshares Inc (LOB) as of Mar 12 2026?

As of Mar 12 2026, Live Oak Bancshares Inc (LOB) has a FCF Yield of 31.31%. This means that for every dollar of Live Oak Bancshares Inc's market capitalization, the company generates 31.31 cents in free cash flow.

What is the current Forward P/E ratio for Live Oak Bancshares Inc (LOB) as of Mar 12 2026?

As of Mar 12 2026, Live Oak Bancshares Inc (LOB) has a Forward P/E ratio of 12.30. This means the market is willing to pay $12.30 for every dollar of Live Oak Bancshares Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for Live Oak Bancshares Inc (LOB) as of Mar 12 2026?

As of Mar 12 2026, Live Oak Bancshares Inc (LOB) has a Forward P/S ratio of 2.50. This means the market is valuing LOB at $2.50 for every dollar of expected revenue over the next 12 months.

LOB Valuation