LOB Valuation

Live Oak Bancshares Inc

Add to Watchlist

Advanced Chart

38.690

-0.03(-0.077%)1D

Overview
Forecast
Valuation
Earnings

LOB Relative Valuation

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. If the market price exceeds this fair value range, LOB is overvalued; if below, it's undervalued.

Historical Valuation

Live Oak Bancshares Inc (LOB) is now in the Fair zone, suggesting that its current forward PE ratio of 14.77 is considered Fairly compared with the five-year average of 18.61. The fair price of Live Oak Bancshares Inc (LOB) is between 35.34 to 60.54 according to relative valuation methord.

Relative Value

Fair Zone

35.34-60.54

Current Price：38.69

Fair

14.77

Trailing

Forward

0.00

EV/EBITDA

Live Oak Bancshares Inc. (LOB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Live Oak Bancshares Inc. (LOB) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.84

Live Oak Bancshares Inc. (LOB) has a current PS of 2.84. The 5-year average PS is 3.98. The thresholds are as follows: Strongly Undervalued below 0.44, Undervalued between 0.44 and 2.21, Fairly Valued between 5.75 and 2.21, Overvalued between 5.75 and 7.52, and Strongly Overvalued above 7.52. The current Forward PS of 2.84 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Live Oak Bancshares Inc. (LOB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Live Oak Bancshares Inc. (LOB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Live Oak Bancshares Inc (LOB) has a current Price-to-Book (P/B) ratio of 1.66. Compared to its 3-year average P/B ratio of 1.68 , the current P/B ratio is approximately -1.21% higher. Relative to its 5-year average P/B ratio of 2.45, the current P/B ratio is about -32.25% higher. Live Oak Bancshares Inc (LOB) has a Forward Free Cash Flow (FCF) yield of approximately 37.34%. Compared to its 3-year average FCF yield of 21.56%, the current FCF yield is approximately 73.20% lower. Relative to its 5-year average FCF yield of 8.99% , the current FCF yield is about 315.36% lower.

1.66

P/B

Median3y

1.68

Median5y

2.45

37.34

FCF Yield

Median3y

21.56

Median5y

8.99

Competitors Valuation Multiple

The average P/S ratio for LOB's competitors is 3.75, providing a benchmark for relative valuation. Live Oak Bancshares Inc Corp (LOB) exhibits a P/S ratio of 2.84, which is -24.25% above the industry average. Given its robust revenue growth of 21.12%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

LOB.N

Live Oak Bancshares Inc

Lakeland Financial Corp

Coastal Financial Corp (EVERETT)

First Commonwealth Financial Corp

Bank of NT Butterfield & Son Ltd

Performance Decomposition

Market capitalization of LOB decreased by 18.22% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 116.05M to 140.56M.

The secondary factor is the P/E Change, contributed -10.97%to the performance.

Overall, the performance of LOB in the past 1 year is driven by Revenue Growth. Which is more sustainable.

21.12%

116.05M → 140.56M

Revenue Growth

-28.37%

23.23 → 16.64

Margin Expansion

-10.97%

35.82 → 31.89

P/E Change

-18.22%