Live Oak Bancshares, Inc. (LOB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Live Oak Bancshares, Inc. stock (LOB) is currently trading at $32.75. Live Oak Bancshares, Inc. PE ratio is 14.28. Live Oak Bancshares, Inc. PS ratio (Price-to-Sales) is 3.06. Analyst consensus price target for LOB is $44.75. WallStSmart rates LOB as Moderate Buy.
- LOB PE ratio analysis and historical PE chart
- LOB PS ratio (Price-to-Sales) history and trend
- LOB intrinsic value — DCF, Graham Number, EPV models
- LOB stock price prediction 2025 2026 2027 2028 2029 2030
- LOB fair value vs current price
- LOB insider transactions and insider buying
- Is LOB undervalued or overvalued?
- Live Oak Bancshares, Inc. financial analysis — revenue, earnings, cash flow
- LOB Piotroski F-Score and Altman Z-Score
- LOB analyst price target and Smart Rating
Live Oak Bancshares, Inc.
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LOB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Live Oak Bancshares, Inc. (LOB)
LOB trades at a significant discount to its Graham intrinsic value of $104.36, offering a 61% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Live Oak Bancshares, Inc. (LOB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Live Oak Bancshares, Inc. (LOB) Key Strengths (6)
Keeps $49 of every $100 in revenue after operating costs
Revenue surging 70.20% year-over-year
Earnings per share surging 346.60% year-over-year
Keeps $22 of every $100 in revenue as net profit
71.79% of shares held by major funds and institutions
Trading at 1.28x book value, attractively priced
Supporting Valuation Data
Live Oak Bancshares, Inc. (LOB) Areas to Watch (3)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.06x sales
Live Oak Bancshares, Inc. (LOB) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.7/10) while 3 fall into concern territory (avg 4.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.28) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 49.10%, Profit Margin at 22.00%. Growth metrics are encouraging with Revenue Growth at 70.20%, EPS Growth at 346.60%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (3.06) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 9.36%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.36% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 70.20% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LOB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LOB's Price-to-Sales ratio of 3.06x trades 33% below its historical average of 4.57x (37th percentile). The current valuation is 73% below its historical high of 11.43x set in Jul 2015, and 132% above its historical low of 1.32x in Mar 2025. Over the past 12 months, the PS ratio has expanded from ~1.3x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Live Oak Bancshares, Inc. (LOB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Live Oak Bancshares, Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 481M with 70% growth year-over-year. Profit margins are strong at 22.0%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 70% YoY, reaching 481M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 936.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Live Oak Bancshares, Inc. maintain 70%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 38.0%. Watch payout ratio and free cash flow coverage.
Volatility is elevated with a beta of 1.92, so expect amplified moves relative to the broader market.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Live Oak Bancshares, Inc..
Bottom Line
Live Oak Bancshares, Inc. offers an attractive blend of growth (70% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Live Oak Bancshares, Inc.(LOB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Live Oak Bancshares, Inc. is the banking holding company for Live Oak Banking Company offering a variety of commercial banking products and services to individuals, small businesses and professionals in North Carolina, United States. The company is headquartered in Wilmington, North Carolina.