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 Undervalued zone, suggesting that its current forward PE ratio of 11.81 is considered Undervalued compared with the five-year average of 18.48. The fair price of Live Oak Bancshares Inc (LOB) is between 34.72 to 61.78 according to relative valuation methord. Compared to the current price of 32.83 USD , Live Oak Bancshares Inc is Undervalued By 5.45%.
Relative Value
Fair Zone
34.72-61.78
Current Price：32.83
5.45%
Undervalued
11.81
PE
1Y
3Y
5Y
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.
2.40
PS
Live Oak Bancshares Inc. (LOB) has a current PS of 2.40. The 5-year average PS is 3.91. The thresholds are as follows: Strongly Undervalued below 0.33, Undervalued between 0.33 and 2.12, Fairly Valued between 5.70 and 2.12, Overvalued between 5.70 and 7.49, and Strongly Overvalued above 7.49. The current Forward PS of 2.40 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 1.37. Compared to its 3-year average P/B ratio of 1.65 , the current P/B ratio is approximately -17.22% higher. Relative to its 5-year average P/B ratio of 2.41, the current P/B ratio is about -43.23% higher. Live Oak Bancshares Inc (LOB) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 23.82%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 12.24% , the current FCF yield is about -100.00% lower.
1.37
P/B
Median3y
1.65
Median5y
2.41
32.66
FCF Yield
Median3y
23.82
Median5y
12.24
Competitors Valuation Multiple
The average P/S ratio for LOB's competitors is , providing a benchmark for relative valuation. Live Oak Bancshares Inc Corp (LOB) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 15.70%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of LOB decreased by 16.99% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 10.57 to 18.56.
The secondary factor is the Revenue Growth, contributed 15.70%to the performance.
Overall, the performance of LOB in the past 1 year is driven by Margin Expansion. Which is more sustainable.
People Also Watch
FAQ
Is Live Oak Bancshares Inc (LOB) currently overvalued or undervalued?
What is Live Oak Bancshares Inc (LOB) fair value?
How does LOB's valuation metrics compare to the industry average?
What is the current P/B ratio for Live Oak Bancshares Inc (LOB) as of Dec 05 2025?
What is the current FCF Yield for Live Oak Bancshares Inc (LOB) as of Dec 05 2025?
What is the current Forward P/E ratio for Live Oak Bancshares Inc (LOB) as of Dec 05 2025?