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 18.39. The fair price of Live Oak Bancshares Inc (LOB) is between 38.91 to 68.80 according to relative valuation methord. Compared to the current price of 37.49 USD , Live Oak Bancshares Inc is Undervalued By 3.64%.
Relative Value
Fair Zone
38.91-68.80
Current Price：37.49
3.64%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
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 1.64 , the current P/B ratio is approximately -12.15% higher. Relative to its 5-year average P/B ratio of 2.37, the current P/B ratio is about -39.18% 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 24.60%, the current FCF yield is approximately 27.30% lower. Relative to its 5-year average FCF yield of 13.18% , the current FCF yield is about 137.55% lower.
P/B
Median3y
1.64
Median5y
2.37
FCF Yield
Median3y
24.60
Median5y
13.18
Competitors Valuation Multiple
AI Analysis for LOB
The average P/S ratio for LOB competitors is 2.91, providing a benchmark for relative valuation. Live Oak Bancshares Inc Corp (LOB.N) exhibits a P/S ratio of 2.50, which is -14.06% above the industry average. Given its robust revenue growth of 15.70%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for LOB
1Y
3Y
5Y
Market capitalization of LOB increased by 0.00% over the past 1 year. 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 is driven by Unknown.
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Frequently Asked Questions
Is LOB currently overvalued or undervalued?
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 18.39. The fair price of Live Oak Bancshares Inc (LOB) is between 38.91 to 68.80 according to relative valuation methord. Compared to the current price of 37.49 USD , Live Oak Bancshares Inc is Undervalued By 3.64% .
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 38.91 to 68.80 according to relative valuation methord.
How does LOB's valuation metrics compare to the industry average?
The average P/S ratio for LOB's competitors is 2.91, providing a benchmark for relative valuation. Live Oak Bancshares Inc Corp (LOB) exhibits a P/S ratio of 2.50, which is -14.06% above the industry average. Given its robust revenue growth of 15.70%, this premium appears unsustainable.
What is the current P/B ratio for Live Oak Bancshares Inc (LOB) as of Jan 10 2026?
As of Jan 10 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 Jan 10 2026?
As of Jan 10 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 Jan 10 2026?
As of Jan 10 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 Jan 10 2026?
As of Jan 10 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.