Live Oak Bancshares, Inc. Common Stock (LOB)
Financial Services › State Commercial Banks
Price History
Feb 9, 2026 — May 24, 2026Investment Snapshot
- Trading 7% above Graham Number — above intrinsic value estimate
- Piotroski F-Score 3/9 — signs of financial weakness
- ROE of 7.0% — below-average profitability
Live Oak Bancshares, Inc. Common Stock (LOB) is a Financial Services company operating in State Commercial Banks, listed on the NYSE , with a market capitalisation of $1.7 billion . Key value metrics: P/E ratio 19.2, P/B ratio 1.35, Piotroski F-Score 3 out of 9 .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
Live Oak Bancshares, Inc. Common Stock — Fundamental Analysis Summary
Live Oak Bancshares, Inc. Common Stock (LOB) is currently trading 7% above its Graham Number of $34.71, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries a reasonable trailing P/E ratio of 19.2x.
On financial health, LOB shows a weak Piotroski F-Score of 3/9, a signal of deteriorating financial health, and modest return on equity of 7.0% (sector average: 4.9%), and high leverage with a debt-to-equity ratio of 11.11.
StockPik's composite Value Score for LOB is 62/100 — an above-average value rating. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
LOB shows earnings growing at 37%.
LOB pays a modest dividend yield of 0.3%.